Q3 2024 Kotak Mahindra Bank Ltd Earnings Call Transcript

Jan 20, 2024 / 10:30AM GMT
Operator

Ladies and gentlemen, good day, and welcome to the Kotak Mahindra Bank Q3 FY '24 Earnings Conference Call. (Operator Instructions) There will be an opportunity for you to ask questions after the presentation concludes. (Operator Instructions) Please note that this conference is being recorded.

I now hand the conference over to Mr. Ashok Vaswani, Managing Director and CEO of Kotak Bank. Thank you, and over to you, sir.

Ashok Valiram Vaswani - Kotak Mahindra Bank Limited - MD & CEO

Thank you. Thank you so much. I'm absolutely delighted to be here with all of you for the first time as the CEO of Kotak Mahindra Bank. As you all must be well aware, I've been in this assignment for only about 17 or 18 calendar days. And I'm still working my way, getting my arms around the place. But I am very cognizant that these are incredibly special times and that Kotak is in a particularly special place, which I will come back to.

If you just take a big step back, globally, we've had unprecedented volatility over the last few years, starting with the COVID

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