Q3 2023 Kotak Mahindra Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Kotak Mahindra Bank Q3 FY '23 Earnings Conference Call. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Uday Kotak, MD and CEO, Kotak Mahindra Bank. Thank you. And over to you, Mr. Kotak.
Good evening, friends. Wish you all a very Happy New Year and 2023 as we get off to the start of what looks like a very interesting year. And it's always challenging at the start of the year to predict what the year will be, especially after what we have seen over the last 2 years or 3 years. Therefore, let's keep our fingers crossed and assume that we have no negative surprises of the scale and size, which we have seen over the last few years, and let's work our way forward as we manage the opportunities as well as risks.
So in that context, the big question in my mind is something which I'll discuss, I've touched upon briefly in the last
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