State Bank of India

Good day and welcome to State Bank of India Q1 FY23 Earnings Conference Call. As a reminder, all participant lines will be in the listen-only mode and there will be no optionality for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing star then zero on your touchtone phone. Please note that this conference is being recorded. I now hand the conference over to Mr. Sanjay Kapoor, General Manager, PPR from State Bank of India. Thank you and over to you, Mr. Kapoor.

Namaste and good evening, ladies and gentlemen. I am Sanjay Kapoor, General Manager, Performance Planning and Review. On behalf of the top management of SPI, I extend a warm welcome to all joining us today on SPI's Q1 FY23 earnings conference call.

On the call today, we have with us our chairman, Mr. Dinesh Kumar Khara, Mr. C.S. Sethi, Managing Director, International Banking, Global Markets and Technology, Mr. Swaminathan J, Managing Director, Corporate Banking and Subsidiaries, Mr. Ashwini Kumar Tiwari, Managing Director, Risk Compliance and SARGI, Mr. Alok Kumar Chaudhary, Managing Director, Retail Business and Operations, Mrs. Saloni Narayan, Deputy Managing Director, Finance. Mr. Pawan Kumar Kedia, Chief General Manager, Financial Control. Mr. Charanjit Akra, Chief Financial Officer.