Q2 2020 Kotak Mahindra Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Kotak Mahindra Bank Q2 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 to do the call at the end of the second quarter and midpoint of the financial year 2019-'20. As you are all aware, this is a very interesting and challenging time in the Indian economy, particularly in the first half of the current fisc, which is April to September, when we did see a slowing economy and a reasonable gradient of that slowdown in the first quarter and also in the second quarter.
At the end of the first quarter, when we discussed in early July -- or in July, we were all concerned about where the monsoons would end, including a -- most projections were talking about a less-than-normal monsoon. Contrary to expectations, we actually had a
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