Q4 2022 Ujjivan Small Finance Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to Q4 FY '22 Earnings Conference Call of Ujjivan Small Finance Bank Limited hosted by IIFL Securities Limited. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Mr. Alpesh Mehta from IIFL Securities. Thank you, and over to you, Mr. Mehta.
Thanks, Margaret, and good evening, everyone, and thanks for joining us for this 4Q '22 Ujjivan Small Finance Bank Earnings Conference Call.
From the management side, we have Mr. Ittira Davis, who is the MD and CEO of the company; Ms. Carol Furtado, Chief Business Officer; Mr. M.D. Ramesh Murthy, Chief Financial Officer; Mr. Martin P. S., Chief Operating Officer; Mr. Ashish Goel, Chief Credit Officer; Mr. Vibhas Chandra, Head, Micro Banking; and Deepak, who heads the Financial Planning and Strategy and Investor Relations.
Now without much ado, I hand it over to Mr. Davis for the opening comments and post which we wound have a Q&A session. Thanks, and over
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