Q4 2019 South Indian Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good morning, good day, and welcome to the Q4 Earnings Conference Call of South Indian Bank hosted by IndiaNivesh Securities Limited. This conference may contain forward-looking statements about the bank, which are based on the beliefs, opinions and expectations of the bank as on date of this call. These statements are not the guarantees of future performance and involve risks and uncertainties that are difficult to predict. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Mr. Ravikant Bhat, Senior Analyst from IndiaNivesh Securities Limited. Thank you, and over to you, Mr. Bhat.
Thank you. Good morning to all of you. It's a great pleasure to host the Q4 FY '19 earnings conference call of South Indian Bank. For the call, we are joined by Mr. V. G. Mathew, MD and CEO of the bank; Mr. Thomas Joseph, EVP, Operations; Mr. G. Sivakumar, EVP, Credit; Mr. K. N. Reghunathan, EVP, Treasury; and Ms.
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