Q3 2021 Kotak Mahindra Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Kotak Mahindra Bank Q3 FY '21 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, Mr. Kotak.
Good evening, friends and colleagues. First of all, I wish you all a very happy 2021. I'll start my initial comments in 3 parts. Part 1 is about the economy and the macro picture as we see in the Indian context. Part 2 is about specifics, some of the specifics on the bank and the group in the context of the quarter, which has gone by. And part 3 is more about how we see the broader strategy and the situation of banking and Kotak as we go forward in 2021.
So with that, let me first start with the economy. I think the most important aspect of the economy in the first half of calendar 2021 is going to be the vaccine, the success of the vaccine, the effectiveness of the vaccine in
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