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Q4 2022 PNB Housing Finance Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Q4 and FY '21/'22 Earnings Conference Call of PNB Housing Finance Limited. (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, Margaret. Good evening, and welcome, everyone, and sorry for the delay from our end. We are here to discuss PNB Housing Finance Q4 and financial year '21/'22 results. You must have seen our business and financial numbers in the press release and the presentation is also uploaded just now, shared with the Indian Stock Exchanges and it's also available on our website www.pnbhousing.com.
With me we have our entire management team across vertical sitting over here led by Mr. Hardayal Prasad, Managing Director and CEO. We will begin this call with the performance update by the Managing Director and CEO, followed by an
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