Q4 2019 AU Small Finance Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the AU Small Finance Bank Q4 FY '19 Earning Conference Call. (Operator Instructions) Please note that this conference is being recorded.
I would now like to hand the conference over to Mr. Sunil Parnami, Chief of Investor Relations at AU Small Finance Bank. Thank you, and over to you, sir.
Thank you, Janice. Good morning, everyone, and welcome to AU Small Finance Bank's Q4 FY '19 and Fiscal '19 Results Conference Call. We have with us today from AU Bank our MD and CEO, Mr. Sanjay Agarwal; our Executive Director, Mr. Uttam Tibrewal; and our CFO, Mr. Deepak Jain. On the call, we also have respective business heads and product heads for different line of businesses, our Head of Treasury, our Head of Accounts, our Chief Risk Officer, our Chief of Digital Bank and Senior Vice President, Information Technology.
Since most of you already know them, therefore, I will request them to please introduce themselves as and when
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