A New look, a New beginning! We are pleased to announce the completion of the merger of IDFC Bank and Capital First, officially combined to form a new enterprise which will be called IDFC First Bank. The merger is a milestone in the history of the two institutions and marks the beginning of a new journey. It enables both institutions to expand capabilities and reach, to better serve our esteemed customers. IDFC First Bank represents the common vision that IDFC Bank and Capital First have been pursuing for many years, but on a much broader scale. It is a universal bank, committed to offering a wider range of retail and wholesale banking solutions, backed by exceptional service, to millions of people across the country. We are excited to begin at a time when the banking space is changing rapidly, driven by digitisation, a new market of first-time borrowers, customer preferences and a conducive regulatory environment. We believe an immense opportunity awaits all of us, as IDFC First Bank starts to invest in customer-driven innovation that will create new liability products, new credit markets and new jobs - keeping in view the needs of a new India. IDFC First Bank will also use technology extensively to serve the entire ecosystem of small enterprises, entrepreneurs, consumers and corporates. We thank all our customers and stakeholders for their continued support. Wishing you all continued success and growth with u