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hello and welcome to smart camera webinar im michael tegos today im pleased to welcome back to the webinar analyst hemingwazari who will outline his views on recent corporate governance developments in indian financial institutions hemendra will be separating the narrative from the reality on the ground a few words about him indra he is a research analyst registered with the securities and exchange board of india with over 25 years of experience in the indian capital markets specializing in banking and economic research he was worked with prominent foreign and domestic capital market firms such as ubs societal and hsbc and as a regular guest on business media channels respected for his non-consensus view on stocks on the market a few more seconds to take care of some of our standard housekeeping you can always send in questions for our speaker today using the q a button on your screen and please do not reshare the webinar without express permission a recording will be available after