Q3 2020 Kotak Mahindra Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Kotak Mahindra Bank Q3 FY '20 Earnings Conference Call. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Uday Kotak. Thank you, and over to you, sir.
Good evening, friends. Happy New Year, and welcome to our quarterly con call in connection with the December 2019 results. On the bigger picture, I do believe that the Darwinian theory of survival of the fittest is currently playing out across a number of sectors. And I do believe in due course, it is also having an impact on the financial sector, which is going through its turbulencies.
At this point of time, therefore, in terms of strategy, 2 important points are relevant for any player in the risk-based financial sector. #1, a need to do shopper risk underwriting in choosing not just the sector, but also specific borrowers, because we are seeing significant mortality within the
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