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Q4 2020 Federal Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Federal Bank Q4 FY '20 Earnings Conference Call. (Operator Instructions) Please note that this conference is being recorded.
I would now like to hand the conference call to Mr. Shyam Srinivasan, MD and CEO. Thank you, and over to you, Mr. Shyam Srinivasan.
Thank you, and good afternoon, everybody, and I hope everybody is safe wherever you are and are able to cope well with the challenges of the world, so to say. We're gathered to have a conversation about our Q4 outcomes and, more importantly, the way forward.
I'm just trying to reflect back on 26 February, when we had our Analyst Day in Mumbai. And we came away quite encouraged that we had given a good narration of ourselves and the -- many of you who are probably on the call today had a good sense of our plans and way forward. While our direction hasn't changed, certainly, the challenges that we are faced with today were not visualized then. And consequently, the mid-course
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