The Group wishes to place on record the support rendered by the then Deputy Governor Smt.Usha Thorat through constant encouragement and guidance. The Chairman acknowledges the cooperation extended by the members of the Group in completing the task entrusted to it.

The Group acknowledges the efforts of invitees from RBI, Shri G.S.Hegde, Principal Legal Adviser, Shri G.Padmanabhan, CGM-in-Charge, DPSS, Shri Salim Gangadharan, CGM-in-Charge, FED and Shri B.Mahapatra, CGM-in-Charge, DBOD for their useful contributions during the deliberations of the Group. The Group also wishes to acknowledge with thanks the valuable inputs and feedback provided by the commercial banks who were invited during the course of the meetings to share their views.

The Group wishes to especially acknowledge the contribution by Shri Bhargeshwar Baneree, DGM, DBS, Central Office in providing excellent Secretariat to the Groups and Sub-Groups and also taking care of all the logistics for the travel of members both from Mumbai and outside Mumbai.

The Group wishes to acknowledge the immense contribution made by Shri.N.Suganandh, AGM, RBI in preparing detailed material for the use of the members of the Group. Shri Suganandh was specially drafted from the DBS, RO, Chennai to consolidate and refine the reports of the Sub-Groups and prepare and refine the consolidated report of the Group.

Significant contributions were received from Shri.Jayakumar Trivedi, Delloitte and his team, Ms.Pallavi Mantrao, KPMG and her team, and Ms.Mini Krishnan, Legal Officer, RBI with the preparation of background material and assistance in drafting the report. The Group deeply appreciates their work. Useful inputs from Shri.Vicky Shah, Founder, Eagle Eye and Shri.T.Jagdeesh, AGM, RBI are also gratefully acknowledged.