Q1 2022 Aditya Birla Capital Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Aditya Birla Capital Limited Q1 FY '22 Earnings Conference Call. (Operator Instructions)
I now hand the conference over to Mr. Ajay Srinivasan, Chief Executive, Aditya Birla Capital. Thank you, and over to you, sir.
Good evening, and welcome to this Q1 FY '22 results call for Aditya Birla Capital. I am, as always, joined by the CEOs of our businesses, and together, we'll take you through this presentation that I hope you have a copy of.
I'll start with Slide 3, which provides the highlights for Q1 of FY '22. Actually, Slide 3 provides the key highlights for the quarter. In spite of what is clearly a devastating second wave of COVID with significant disruptions, we delivered a strong set of results across our businesses. On a consolidated basis, our PAT for Q1 at INR 302 crores grew 52% year-on-year. While our overall lending book growth was impacted due to the lockdowns, our retail plus SME plus HNI book, which, as you know, is our target
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