Q4 2019 PNB Housing Finance Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the PNB Housing Finance Limited Q4 and Financial Year '18-'19 Conference Call. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Ms. Deepika Gupta Padhi. Thank you, and over to you.
Thank you, Stanford. Good evening and welcome, everyone. We are here to discuss PNB Housing Finance Q4 and financial year '18-'19 results adopted as per Indian Accounting Standards. With me, we have our leadership team, represented by Mr. Sanjaya Gupta, Managing Director; Mr. Shaji Varghese, Executive Director, Business Development; Mr. Ajay Gupta, Executive Director, Risk Management; Mr. Nitant Desai, Chief Operations and Technology Officer; Mr. Anshul Bhargava, Chief People Officer; Mr. Sanjay Jain, company Secretary and Head of Compliance; and Mr. Kapish Jain, Chief Financial Officer.
We will begin this call with the overview and performance update by the Managing Director, followed by an interactive Q
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