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Q3 2023 Bank of Baroda Ltd Earnings Call Transcript
We have with us today, Mr. Sanjiv Chadha, the Managing Director and CEO of Bank of Baroda. And he was joined by the bank's EDs and the bank's Chief Financial Officer.
We'll start with brief opening remarks by Mr. Chadha. We have a brief presentation for you, and we'll follow that up with the Q&A session. Over to you, sir.
Thanks very much, Phiroza, and very warm welcome to all of you. Great pleasure to see after a long time. I think it's 3 years since we met in person. So thank you again for taking the trouble.
Let me just begin by introducing my colleagues, with many of whom you might be familiar. So starting on my right, we have [Mr. Jetha Nand], who looks after retail products. To his right, we have Lalit, who you might be seeing for the first time. So Lalit was heading our U.S. operations and now handling our international operations and also a lot of the platform functions, including HR. To
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