Enhancing customer experience, while diversifying our suite of products and services have been our central focus areas. Though the year began with turbulences and challenges, we revved up performance, demonstrating laudable turnaround in the last fiscal. Whether it is curating an eclectic mix of talent, or prioritising stakeholders’ interests, embracing digitisation, or being sentient towards community welfare, we have journeyed forward with utmost grit, values, commitment and efficiency.