...Operator Ladies and gentlemen, good evening, and welcome to HDFC Bank Limited Q4 FY '23 Earnings Conference Call on the financial results, presented by the management of HDFC Bank. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Mr. Srinivasan Vaidyanathan, Chief Financial Officer, HDFC Bank. Thank you, and over to you, sir. Srinivasan Vaidyanathan ...