...Hello, everyone. Welcome to MS Virtual Digital Bank Trip, this is Mr. Sumeet Kariwala, India bank's analyst at Morgan Stanley. I am glad to host the next session with HDFC Bank. We're joined by Mr. Srinivasan, who is the Chief Financial Officer of the bank. He joined the bank around 2 years back, before which we belonged to the Citi Group for almost 27 years and has held various regional and global leadership positions in diverse geographies, such as Singapore, Hong Kong, New York. We are also joined by Mr. Parag Rao. He's the country head for our cadence, consumer finance, digital banking and marketing at HDFC Bank. Mr. Rao joined the bank in 2002, and under his leadership, HDFC Bank has grown to become the market leader in cadence business and has retained this position over the years. We are also joined by Ajit Shetty, who is Vice President of Investor Relations. Please note that this session will be of 50 minutes long. We'll start with some opening remarks by the management of their...
