Q4 2020 HDFC Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good evening, and welcome to the HDFC Bank Q4 FY '20 earnings conference call on the financial results presented by Mr. Srinivasan Vaidyanathan, Chief Financial Officer; Mr. Sashi Jagdishan, Group Head; and Mr. Jimmy Tata, Chief Risk Officer. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Srinivasan Vaidyanathan. Thank you, and over to you, sir.
Okay. Thank you, Aman. Appreciate the participants calling in today. Particularly, I think it's been delayed 10, 20 minutes. The traffic has been high, I think, from the telecom coming in, but we'll get started anyway because there are more than a few hundred waiting to join in, but we'll go.
First, some background, right, for 30 seconds, particularly for some of you who may be outside the country and the COVID situation here, right? Economic activity started slowing down in March and came to a grinding halt with pan-India lockdown starting March 22. Banking is an
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