Q4 2021 AU Small Finance Bank Ltd Earnings Call Transcript
Good morning, everyone, and welcome to AU -- and welcome to AU Bank's Earnings Call for the fourth quarter of FY '21. We thank you all for taking the time to join this call, and I hope you're all safe and well. On the call today, we have our MD and CEO, Mr. Sanjay Agarwal; our Executive Director, Mr. Uttam Tibrewal; and a few members of our senior management team.
I would now like to invite Mr. Gaurav Jain, our group Head of IR from the MD's office for the opening remarks.
Thank you, Aseem. Good morning, everyone, and I hope that you're all as and healthy. Amidst the ongoing challenging environment, we wanted to share our reflections on our performance during FY '21. Overall, despite the challenging context, especially in the first half of FY '21 our performance, has been extremely resilient. We were able to keep our asset quality in check, strengthen our balance sheet, increase granularity of our deposits, and significantly bolster our branch banking and digital properties. I'll
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