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Q4 2020 PNB Housing Finance Ltd Earnings Call Transcript
Ladies and gentlemen, good morning, and welcome to the PNB Housing Finance Limited Q4 and FY '19/'20 Earnings Conference Call. (Operator Instructions) Please note, that this conference is being recorded.
I now hand the conference over to Ms. Deepika Gupta Padhi. Thank you, and over to you, ma'am.
Thank you, Lisan. Good morning, and welcome, everyone. We are here to discuss PNB Housing Finance Q4 and financial year '19/'20 results. You must have seen our business and financial numbers in the presentation and the press release as shared with the Indian Stock Exchanges and are also available on our website, that is www.pnbhousing.com. With me, we have our leadership team represented by Mr. Neeraj Vyas, Managing Director and CEO; Mr. Ajay Gupta, Executive Director, Risk Management; Mr. Kapish Jain, Chief Financial Officer; Mr. Anshul Bhargava, Chief People Officer; Mr. Nitant Desai, Chief Centralized Operational and Technology
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