Q4 2021 Ujjivan Small Finance Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Q4 FY '21 Earnings Conference Call of Ujjivan Small Finance Bank, hosted by IIFL Capital Limited. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Mr. [Pratik Cheda] from ISM Capital Limited. Thank you, and over to you, sir.
Thanks, Rateja. Good evening, everyone. Welcome to the 4Q FY '21 Conference Call of Ujjivan Small Finance Bank. From the management team, we have Mr. Nitin Chugh, Managing Director and CEO; Mrs. Upma Goel, Chief Financial Officer; Mr. Ashish Goel, Chief Credit Officer; Mr. J. Srinivas Murty, Head of Liabilities; Mr. Rajat Singh, Head of Micro Banking and Rural Banking; Mr. Sneh Thakur, Head of Credit and Collections, Micro Banking and Rural Banking; and Mr. Deepak Khetan, Head of Investor Relationship.
I would like -- now like to hand over the call to Mr. Nitin Chugh for his opening comments, post which we can open the floor for questions. Over to you, Nitin.
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