The COVID-19 pandemic has been perhaps the toughest challenge that our group has experienced in its three decade history. The very fact that the pandemic happened on the backdrop of an already slowing economy has further accentuated the problems for all stakeholders. But thanks to the grit, determination and teamwork, our group has managed the situation well so far by embracing technology. The present fiscal, in all likelihood, is going to be a year of consolidation, but I am very optimistic about the future, especially keeping in mind the strategic decision taken by the group to focus on our core competence i.e. equipment financing. Going forward, government has massive plans lined up for infrastructure investments and that will translate into higher demand for equipment in areas of infrastructure, construction and mining. Our aim should be to strengthen our market leadership in this field. In addition, the pandemic has highlighted the importance of healthcare, technology and agriculture - three areas which will clearly be in government's development agenda. As we already have a presence in these sectors, the portfolio of the assets that we finance is set to increase. Moreover, keeping in mind the new normals of social distancing and work-from-home, our technology platform will enable us conduct minimum-contact transactions and bring out new innovations in our service offerings. Thus, the coming years hold a lot of promise for the group. I urge all team members to invest in upgrading their skill sets so that we can be future ready.