Srinivasan Vaidyanathan | Chief Financial Officer |
Arvind Kapil | Group Head of Retail Assets & SLI |
Rahul Shukla | Group Head of Commercial Banking & Rural Business |
Jimmy Tata | Chief Credit Officer |
Mahrukh Adajania | Elara Capital |
Kunal Shah | ICICI Securities |
Suresh Ganapathy | Macquarie |
Adarsh Parasrampuria | CLSA |
Saurabh Kumar | J.P. Morgan |
Prakhar Sharma | Jefferies |
Ladies and gentlemen, good evening, and welcome to HDFC Bank Limited Q2 FY '22 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.