Speeches - Regulating Commercial Banking - আরবিআই - Reserve Bank of India
speeches
সেপ্টেম্বর 09, 2003
Financing for Entrepreneurship and SMEs : An Indian Perspective
I am indeed thankful to OECD for inviting me as speaker at this important workshop on "Entrepreneurship in a Global Economy". In my address, I shall share with you some of the initiatives that are being taken by the Indian authorities with regard to the Small Scale Industries (SSI), against the backdrop of the SME financing in a cross-country perspective.In view of the continuing financing problems of the SMEs, at least two broad approaches have been adopted at the na
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India
I am indeed thankful to OECD for inviting me as speaker at this important workshop on "Entrepreneurship in a Global Economy". In my address, I shall share with you some of the initiatives that are being taken by the Indian authorities with regard to the Small Scale Industries (SSI), against the backdrop of the SME financing in a cross-country perspective.In view of the continuing financing problems of the SMEs, at least two broad approaches have been adopted at the na
মে 21, 2003
Infrastructure Development in India: Emerging Challenges
I. BACKGROUNDInfrastructure contributes significantly to economic development both by increasing productivity and by providing amenities that enhance the quality of life. The impact of infrastructure on economic growth is well documented internationally. In the Indian context too, elasticities of output with respect to various stocks of infrastructure indicate that the transport and communication sectors play a dominant role in explaining the variations in GDP and its
Dr. Rakesh Mohan, Deputy Governor, Reserve Bank of India
I. BACKGROUNDInfrastructure contributes significantly to economic development both by increasing productivity and by providing amenities that enhance the quality of life. The impact of infrastructure on economic growth is well documented internationally. In the Indian context too, elasticities of output with respect to various stocks of infrastructure indicate that the transport and communication sectors play a dominant role in explaining the variations in GDP and its
জানু 07, 2003
Management Challenges in Banking*
IntroductionIt gives me great pleasure in participating in the Annual Day function of NIBM where I have spent two years as a student of BMP in 1980s. NIBM has been playing a vital role in providing a platform to bankers and at times to Regulators also for exchange of views and thoughts to meet the emerging requirements of banking sector. Recent developments have underscored the urgency to sensitise the banking industry on emerging issues and quickly adapt to the chang
Shri. G.P. Muniappan, Deputy Governor, Reserve Bank of India
IntroductionIt gives me great pleasure in participating in the Annual Day function of NIBM where I have spent two years as a student of BMP in 1980s. NIBM has been playing a vital role in providing a platform to bankers and at times to Regulators also for exchange of views and thoughts to meet the emerging requirements of banking sector. Recent developments have underscored the urgency to sensitise the banking industry on emerging issues and quickly adapt to the chang
ডিসেম্বর 29, 2002
Transforming Indian Banking: In Search of a Better Tomorrow
The significant transformation of the banking industry in India is clearly evident from the changes that have occurred in the financial markets, institutions and products. While deregulation has opened up new vistas for banks to augment revenues, it has entailed greater competition and consequently greater risks. Cross-border flows and entry of new products, particularly derivative instruments, have impacted significantly on the domestic banking sector, forcing banks
Dr. Rakesh Mohan, Deputy Governor, Reserve Bank of India
The significant transformation of the banking industry in India is clearly evident from the changes that have occurred in the financial markets, institutions and products. While deregulation has opened up new vistas for banks to augment revenues, it has entailed greater competition and consequently greater risks. Cross-border flows and entry of new products, particularly derivative instruments, have impacted significantly on the domestic banking sector, forcing banks
ডিসেম্বর 28, 2002
Re-Engineering Operations in Banking System
Banking has traditionally remained a protected industry in many emerging economies. However, a combination of developments has compelled banks to change the old ways of doing business. These include, among others, technological advancements, disintermediation pressures arising from a liberalized marketplace, increased emphasis on shareholders’ value and macroeconomic pressures and banking crises in 1990s. As a consequence of these developments, the dividing line betwe
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India
Banking has traditionally remained a protected industry in many emerging economies. However, a combination of developments has compelled banks to change the old ways of doing business. These include, among others, technological advancements, disintermediation pressures arising from a liberalized marketplace, increased emphasis on shareholders’ value and macroeconomic pressures and banking crises in 1990s. As a consequence of these developments, the dividing line betwe
ডিসেম্বর 28, 2002
Inaugural Session on Technical Session I - Reorienting Structure
Introduction It gives me great pleasure to address this gathering of professionals from the financial sector. I have been impressed by the arrangements which have been made for the conduct of the program, and hope that the proceedings will also match the organisation in grandeur. I have had the opportunity to go through the papers which are being presented at this session and I am very happy to note that they are of a high quality and raise very pertinent issues. In f
Shri. G.P. Muniappan, Deputy Governor, Reserve Bank of India
Introduction It gives me great pleasure to address this gathering of professionals from the financial sector. I have been impressed by the arrangements which have been made for the conduct of the program, and hope that the proceedings will also match the organisation in grandeur. I have had the opportunity to go through the papers which are being presented at this session and I am very happy to note that they are of a high quality and raise very pertinent issues. In f
ডিসেম্বর 27, 2002
Strengthening Indian Banking and Finance: Progress and Prospects
The Bank Economists’ Conference has become an important annual event for constructive interactions and informed debate on the state of our financial system. The theme chosen for this year, "Indian Banking: Managing Transformation", provides an excellent opportunity to reflect on the ground that has been covered in transforming Indian banking into a vibrant, sound and a well-functioning system, and to chart out a plan for the future. I am happy to be here with you agai
Dr. Bimal Jalan, Governor, Reserve Bank of India
The Bank Economists’ Conference has become an important annual event for constructive interactions and informed debate on the state of our financial system. The theme chosen for this year, "Indian Banking: Managing Transformation", provides an excellent opportunity to reflect on the ground that has been covered in transforming Indian banking into a vibrant, sound and a well-functioning system, and to chart out a plan for the future. I am happy to be here with you agai
সেপ্টেম্বর 11, 2002
Governance and Regulation of Financial Services
I. Introduction to the theme and the speakersThe theme for this session is a very broad one, encompassing the entire framework of regulation. However, it is very relevant in today’s times given the focus on the regulation and supervision of the institutions in the financial sector. This focus has emerged in the context of the large number of financial sector crises and bank failures, which have plagued almost all the economies in the world over the last two decades. T
Shri. G.P. Muniappan, Deputy Governor, Reserve Bank of India
I. Introduction to the theme and the speakersThe theme for this session is a very broad one, encompassing the entire framework of regulation. However, it is very relevant in today’s times given the focus on the regulation and supervision of the institutions in the financial sector. This focus has emerged in the context of the large number of financial sector crises and bank failures, which have plagued almost all the economies in the world over the last two decades. T
আগস্ট 31, 2002
Challenges Before The Indian Banking Industry
I am honoured to speak at the 55th Annual General Meeting of the Indian Banks' Association. The Indian Banks' Association started as a voluntary service Organisation in 1946 has played a very important and pivotal role for more than 50 years in the banking industry and has made commendable efforts as a facilitator in ensuring an efficient and sound banking system which is committed to excellence in operations and customer service. The Association strives to meet the d
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India
I am honoured to speak at the 55th Annual General Meeting of the Indian Banks' Association. The Indian Banks' Association started as a voluntary service Organisation in 1946 has played a very important and pivotal role for more than 50 years in the banking industry and has made commendable efforts as a facilitator in ensuring an efficient and sound banking system which is committed to excellence in operations and customer service. The Association strives to meet the d
আগস্ট 30, 2002
Seminar on Banking Reforms and Strategies1
The first phase of banking sector reforms initiated in pursuance of the recommendations of the Committee on Financial Sector Reforms provided the necessary platform to the banking sector to operate on the basis of operational flexibility and functional autonomy, thereby enhancing efficiency, productivity and profitability. Keeping in view the major changes that took place in the macro economic environment and policy and institutional developments in the interim period
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India
The first phase of banking sector reforms initiated in pursuance of the recommendations of the Committee on Financial Sector Reforms provided the necessary platform to the banking sector to operate on the basis of operational flexibility and functional autonomy, thereby enhancing efficiency, productivity and profitability. Keeping in view the major changes that took place in the macro economic environment and policy and institutional developments in the interim period
জুলাই 08, 2002
Bank of England’s Seminar on International Financial Architecture
Today’s topic is a very large one and the time available to us is relatively short. To make the maximum use of the time available to me, I will make four broad points rather than deal with any specific issues relating to the international financial architecture. These, we can deal with later in the seminar during the question/answer period. The First point that I want to make is that we need to recognize that the period of the 90s, despite many gains, has seen many mo
Dr. Bimal Jalan, Governor, Reserve Bank of India
Today’s topic is a very large one and the time available to us is relatively short. To make the maximum use of the time available to me, I will make four broad points rather than deal with any specific issues relating to the international financial architecture. These, we can deal with later in the seminar during the question/answer period. The First point that I want to make is that we need to recognize that the period of the 90s, despite many gains, has seen many mo
এপ্রিল 19, 2002
Monetary and Financial Sector Reforms in India: A Practitioner's Perspective
Draft for Discussion For Private Circulation The objectives of this paper are to review the monetary and financial sector reforms in India, identify the emerging issues and explore the prospects for further reform. The first part is devoted to a brief background on the need for reforms taken up in 1991-92. The second part is devoted to the institutional aspects of the reform. Issues relating to ownership, competition and regulation in the financial sector as a whole,
Dr. Y. V. Reddy, Deputy Governor, Reserve Bank of India
Draft for Discussion For Private Circulation The objectives of this paper are to review the monetary and financial sector reforms in India, identify the emerging issues and explore the prospects for further reform. The first part is devoted to a brief background on the need for reforms taken up in 1991-92. The second part is devoted to the institutional aspects of the reform. Issues relating to ownership, competition and regulation in the financial sector as a whole,
এপ্রিল 18, 2002
Public Sector Banks and the Governance Challenge: Indian Experience
The objective of this paper is to detail the Indian experience in meeting the governance challenge with special reference to public sector banks (PSBs) or State-owned banks as they are described in some countries. The paper sets out the historical context of the Indian experience since the governance challenge is significantly related to the background in which state ownership emerged. This will be followed by an account of the pre-reform status encompassing the polic
Dr. Y. V. Reddy, Deputy Governor, Reserve Bank of India
The objective of this paper is to detail the Indian experience in meeting the governance challenge with special reference to public sector banks (PSBs) or State-owned banks as they are described in some countries. The paper sets out the historical context of the Indian experience since the governance challenge is significantly related to the background in which state ownership emerged. This will be followed by an account of the pre-reform status encompassing the polic
এপ্রিল 01, 2002
The NPA Overhang - Magnitude, Solutions, Legal Reforms
IntroductionI have readily accepted the invitation of CII for an interaction on NPAs so that the central bank can convey its concerns to those who can offer right solutions to this vexing problem and at the same time hear their view points for possible mitigation role by the central bank and government. I am thus really grateful to have been given an opportunity to talk on a subject of great interest to all who have assembled here.In fact, the problem of non performin
Shri. G.P. Muniappan, Deputy Governor, Reserve Bank of India
IntroductionI have readily accepted the invitation of CII for an interaction on NPAs so that the central bank can convey its concerns to those who can offer right solutions to this vexing problem and at the same time hear their view points for possible mitigation role by the central bank and government. I am thus really grateful to have been given an opportunity to talk on a subject of great interest to all who have assembled here.In fact, the problem of non performin
ফেব 11, 2002
Winning Strategies in Small and Medium Enterprises Finance
It is a matter of great pleasure for me to be present on this occasion for the inaugural address and share some of my thoughts and experiences on the development of this vital sector of economy. The IFC and FICCI need to be congratulated for the thoughtful theme selected for the symposium. The organisation of this symposium gains importance in the context of globalisation when the Small and Medium Enterprises (SME) face challenges and take advantage of opportunities c
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India
It is a matter of great pleasure for me to be present on this occasion for the inaugural address and share some of my thoughts and experiences on the development of this vital sector of economy. The IFC and FICCI need to be congratulated for the thoughtful theme selected for the symposium. The organisation of this symposium gains importance in the context of globalisation when the Small and Medium Enterprises (SME) face challenges and take advantage of opportunities c
জানু 23, 2002
Legal Aspects of International Financial Standards : National Law Perspective
Professor Giovanoli and friends, I am thankful to the Bank for International Settlements for giving me opportunity to make this presentation on the national law perspective, though a large number of presentations in the Seminar relate to international law. The presentation is based on Indian approach and Indian experience and focus is on processes and current status of various legislative changes that evolve in the consideration of international standards and codes. S
Dr. Y. V. Reddy, Deputy Governor, Reserve Bank of India
Professor Giovanoli and friends, I am thankful to the Bank for International Settlements for giving me opportunity to make this presentation on the national law perspective, though a large number of presentations in the Seminar relate to international law. The presentation is based on Indian approach and Indian experience and focus is on processes and current status of various legislative changes that evolve in the consideration of international standards and codes. S
জানু 17, 2002
Indian Banking of Tomorrow *
It is a proud privilege to be present at a conference which not only provides an introspection of the way things have gone by but also provides a glimpse into the near future – so that banks could plan their future course of action accordingly. I am indeed privileged to make the lead presentation on a topic close to my heart – on managing change for the better. Although my topic reads as ‘Indian Banking of tomorrow’ let me hasten to add that the tomorrow is already he
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India
It is a proud privilege to be present at a conference which not only provides an introspection of the way things have gone by but also provides a glimpse into the near future – so that banks could plan their future course of action accordingly. I am indeed privileged to make the lead presentation on a topic close to my heart – on managing change for the better. Although my topic reads as ‘Indian Banking of tomorrow’ let me hasten to add that the tomorrow is already he
জানু 16, 2002
Indian Banking : Paradigm Shift in Public Policy
Chairman, distinguished participants and friends,I am thankful to the organisers for inviting me to deliver this address. It is good to see that the focus on paradigm shift did not extend to shifting the traditional speaker at the Valedictory Address. Today’s address will be divided into five sections. The first section would capture the paradigm shift in the environment in the Indian banking as presented in the Conference and the deliberations as captured by the Rapp
Dr. Y. V. Reddy, Deputy Governor, Reserve Bank of India
Chairman, distinguished participants and friends,I am thankful to the organisers for inviting me to deliver this address. It is good to see that the focus on paradigm shift did not extend to shifting the traditional speaker at the Valedictory Address. Today’s address will be divided into five sections. The first section would capture the paradigm shift in the environment in the Indian banking as presented in the Conference and the deliberations as captured by the Rapp
জানু 14, 2002
Indian Banking : Paradigm Shift – A regulatory point of view
I am very happy to be here today in the midst of this distinguished gathering of practising bank economists. The decade gone by witnessed a wide range of financial sector reforms, with many of them still in the process of implementation. Some of the recently initiated measures by the RBI for risk management systems, anti money laundering safeguards and corporate governance in banks, and regulatory framework for non bank financial companies, urban cooperative banks, go
Shri. G.P. Muniappan, Deputy Governor, Reserve Bank of India
I am very happy to be here today in the midst of this distinguished gathering of practising bank economists. The decade gone by witnessed a wide range of financial sector reforms, with many of them still in the process of implementation. Some of the recently initiated measures by the RBI for risk management systems, anti money laundering safeguards and corporate governance in banks, and regulatory framework for non bank financial companies, urban cooperative banks, go
জানু 06, 2002
Corporate Governance and Financial Sector: Some Issues
Mr. Bhide, Dr. Saha, Distinguished Chairpersons of banks, FIs, and friends,The Annual Day of the NIBM has become an important event in the Bank’s calendar that all of us look forward to, and I am glad to be with you once again. I am thankful to Mr. Bhide and the Board of the NIBM for giving me this opportunity for an exchange of views on the important subject of Corporate Governance in banks and financial institutions. This is a timely initiative as the events of last
Dr. Bimal Jalan, Governor, Reserve Bank of India
Mr. Bhide, Dr. Saha, Distinguished Chairpersons of banks, FIs, and friends,The Annual Day of the NIBM has become an important event in the Bank’s calendar that all of us look forward to, and I am glad to be with you once again. I am thankful to Mr. Bhide and the Board of the NIBM for giving me this opportunity for an exchange of views on the important subject of Corporate Governance in banks and financial institutions. This is a timely initiative as the events of last
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