Operator Ladies and gentlemen, good evening, and welcome to HDFC Bank Limited Q4 FY '21 Earnings Conference Call on the financial results presented by the Management of HDFC Bank. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after a brief commentary by the management. [Operator Instructions] I now hand the conference over to Mr. Srinivasan Vaidyanathan, Chief Financial Officer, HDFC Bank. Thank you, and over to you, sir. Srinivasan Vaidyanathan -- Chief Financial Officer Okay. Thank you, Stephen. Appreciate all of you calling in today. Apologize there is five minutes delay, people are still getting in. But we will get going. I do want to start -- use this time to start with some environmental context of how we operated in the recent quarter, that gives you a good backdrop of what some of those results are.