Speeches - Regulating Commercial Banking - आरबीआय - Reserve Bank of India
speeches
मार्च 10, 2006
Financial Sector Reform and Financial Stability
Mr. President and distinguished friends, It is a privilege and an honour to be invited for this 8th Global Conference of Actuaries. Dr. R. Kannan has been a respected colleague of mine for several years in the Reserve Bank and I am thankful to him for persuading me to join you. Also, Mr. C.S. Rao, Chairman, IRDA and Mr. D. Swarup, PFRDA have been my friends and colleagues in the Government of Andhra Pradesh and Government of India. Financial sector reform and financia
Dr. Y. V. Reddy, Governor, Reserve Bank of India
Mr. President and distinguished friends, It is a privilege and an honour to be invited for this 8th Global Conference of Actuaries. Dr. R. Kannan has been a respected colleague of mine for several years in the Reserve Bank and I am thankful to him for persuading me to join you. Also, Mr. C.S. Rao, Chairman, IRDA and Mr. D. Swarup, PFRDA have been my friends and colleagues in the Government of Andhra Pradesh and Government of India. Financial sector reform and financia
मार्च 06, 2006
Reforms, Productivity and Efficiency in Banking: The Indian Experience
Let me at the outset congratulate the Pakistan Society of Development Economists for organising this Conference. Issues of productivity and efficiency have been at the centre-stage of discussions in recent years. Nowhere is this truer than the financial sector, which is perceived to be the ‘brain’ of the economy (Stiglitz, 1998). Even within the financial sector, given the dominance of bank-based financial systems in most emerging markets including ours and the system
Dr. Rakesh Mohan, Deputy Governor, Reserve Bank of India
Let me at the outset congratulate the Pakistan Society of Development Economists for organising this Conference. Issues of productivity and efficiency have been at the centre-stage of discussions in recent years. Nowhere is this truer than the financial sector, which is perceived to be the ‘brain’ of the economy (Stiglitz, 1998). Even within the financial sector, given the dominance of bank-based financial systems in most emerging markets including ours and the system
जाने 31, 2006
Indian banks and the global challenges*
It gives me great pleasure and privilege to participate in the Seminar jointly hosted by Indian Merchants' Chamber and IBA at a juncture when financial services sector across jurisdictions is going through a strong phase of increasing globalisation. Integration of economies leads to integration of financial markets catalyzing the globalisation process. The growing role of the financial sector in allocation of resources has significant potential advantages for the effi
Shri V. Leeladhar, Deputy Governor, Reserve Bank of India
It gives me great pleasure and privilege to participate in the Seminar jointly hosted by Indian Merchants' Chamber and IBA at a juncture when financial services sector across jurisdictions is going through a strong phase of increasing globalisation. Integration of economies leads to integration of financial markets catalyzing the globalisation process. The growing role of the financial sector in allocation of resources has significant potential advantages for the effi
डिसें 16, 2005
Corporate governance in banks in India
Friends, I am thankful to the organisers for inviting me to give a luncheon address. There are several reasons why I was compelled to accept the responsibility. First, the eminence of the presentors, namely Indian Institute of Management, Bangalore, International Institute of Finance and Indian Banks’ Association. Second, the persuasive skills of Mr. Sinor who brings to bear the persona of the whole banking community on any subject. Third, growing importance being acc
Dr. Y. V. Reddy, Governor, Reserve Bank of India
Friends, I am thankful to the organisers for inviting me to give a luncheon address. There are several reasons why I was compelled to accept the responsibility. First, the eminence of the presentors, namely Indian Institute of Management, Bangalore, International Institute of Finance and Indian Banks’ Association. Second, the persuasive skills of Mr. Sinor who brings to bear the persona of the whole banking community on any subject. Third, growing importance being acc
डिसें 03, 2005
Future growth drivers : Retail versus corporate
Good afternoon, ladies and gentlemen. It is my pleasure to be here in the precincts of one of the premier business schools of India. When Mr. Bhusnur Math, an ex-RBI colleague, approached me for this seminar, I must concede it was the association of MDI with the event that made me accept the invitation. The way the world is changing and becoming more complex, newer challenges are being thrown up necessitating more interaction and dialogue between academia and the poli
Smt. Shyamala Gopinath, Deputy Governor, Reserve Bank of India
Good afternoon, ladies and gentlemen. It is my pleasure to be here in the precincts of one of the premier business schools of India. When Mr. Bhusnur Math, an ex-RBI colleague, approached me for this seminar, I must concede it was the association of MDI with the event that made me accept the invitation. The way the world is changing and becoming more complex, newer challenges are being thrown up necessitating more interaction and dialogue between academia and the poli
नोव्हें 14, 2005
Indian banking – The challenges ahead
1. I deem it an honour to have been invited to deliver this year’s G Natarajan memorial lecture. I did not have the good fortune of meeting late Shri G.Natrajan but I have heard a lot about him from my friend Shri V.A. George. As a father of a mentally challenged child I had an insight into the activities of Smt. Poonam Natrajan, founder chairperson of Vidya Sagar, formerly known as Spastic Society of India, Chennai. I am grateful to her for inviting me to address thi
Shri V. Leeladhar, Deputy Governor, Reserve Bank of India
1. I deem it an honour to have been invited to deliver this year’s G Natarajan memorial lecture. I did not have the good fortune of meeting late Shri G.Natrajan but I have heard a lot about him from my friend Shri V.A. George. As a father of a mentally challenged child I had an insight into the activities of Smt. Poonam Natrajan, founder chairperson of Vidya Sagar, formerly known as Spastic Society of India, Chennai. I am grateful to her for inviting me to address thi
नोव्हें 14, 2005
Corporate Governance in the Financial Sector
I am happy to be here today at the annual seminar of insurance regulators and feel fortunate to share the platform with a very distinguished international expert Dr. YRK Reddy of the Academy of Corporate Governance. Keeping in view the discussions on corporate governance scheduled at the seminar I intend to give a brief overview of the role and importance of corporate governance in the banking sector, initiatives undertaken by RBI and then a flag a few generic issues
Smt. Shyamala Gopinath, Deputy Governor, Reserve Bank of India
I am happy to be here today at the annual seminar of insurance regulators and feel fortunate to share the platform with a very distinguished international expert Dr. YRK Reddy of the Academy of Corporate Governance. Keeping in view the discussions on corporate governance scheduled at the seminar I intend to give a brief overview of the role and importance of corporate governance in the banking sector, initiatives undertaken by RBI and then a flag a few generic issues
ऑक्टो 07, 2005
Banks and Corporates as Partners in Progress
Friends, I am thankful to the organisers for giving me the opportunity to be with you and deliver the valedictory address at the FICCI-IBA Conference on ‘Global Banking : Paradigm Shift’. It is noteworthy that eminent persons from diverse areas of expertise and experience have participated in the Conference; and quite a few of them are from global bodies such as, BIS and central bankers or banking regulators from Mauritius, Pakistan, Saudi Arabia, Singapore, U.K. and
Dr. Y. V. Reddy, Governor, Reserve Bank of India
Friends, I am thankful to the organisers for giving me the opportunity to be with you and deliver the valedictory address at the FICCI-IBA Conference on ‘Global Banking : Paradigm Shift’. It is noteworthy that eminent persons from diverse areas of expertise and experience have participated in the Conference; and quite a few of them are from global bodies such as, BIS and central bankers or banking regulators from Mauritius, Pakistan, Saudi Arabia, Singapore, U.K. and
ऑग 26, 2005
Financial System Stability and Basel II -Way Forward
The initiative of the Association of Professional Bankers – Sri Lanka in organising this conference on Financial System Stability and Basel II – Way Forward is indeed commendable. Basel II is an important milestone in banking regulation and supervision and ought to be viewed as a necessary process for promoting the safety and soundness of the banking sector and thereby strengthening financial stability. What is financial stability? 2. In a situation of financial stabi
Smt. K.J. Udeshi, Deputy Governor, Reserve Bank of India
The initiative of the Association of Professional Bankers – Sri Lanka in organising this conference on Financial System Stability and Basel II – Way Forward is indeed commendable. Basel II is an important milestone in banking regulation and supervision and ought to be viewed as a necessary process for promoting the safety and soundness of the banking sector and thereby strengthening financial stability. What is financial stability? 2. In a situation of financial stabi
जुलै 09, 2005
Regulation and Risk Management: Implementing Basel II
It is indeed an honour to be amongst you on the occasion of the Platinum Jubilee Celebrations of The South Indian Bank Ltd. Today we remember the founders and pay homage to their vision and drive that led to the establishment of this bank. It is not only a day to feel proud, it is a day to reflect, a day to share, and a day to celebrate. It is also an opportunity to re-emphasise what the institution stands for, which not only helps in projecting its corporate culture
Shri V. Leeladhar, Deputy Governor, Reserve Bank of India
It is indeed an honour to be amongst you on the occasion of the Platinum Jubilee Celebrations of The South Indian Bank Ltd. Today we remember the founders and pay homage to their vision and drive that led to the establishment of this bank. It is not only a day to feel proud, it is a day to reflect, a day to share, and a day to celebrate. It is also an opportunity to re-emphasise what the institution stands for, which not only helps in projecting its corporate culture
मे 28, 2005
Retail Banking - Opportunities and Challenges *
The issue of retail banking is extremely important and topical. Across the globe, retail lending has been a spectacular innovation in the commercial banking sector in recent years. The growth of retail lending, especially, in emerging economies, is attributable to the rapid advances in information technology, the evolving macroeconomic environment, financial market reform, and several micro-level demand and supply side factors. India too experienced a surge in retail
Smt. Shyamala Gopinath, Deputy Governor, Reserve Bank of India
The issue of retail banking is extremely important and topical. Across the globe, retail lending has been a spectacular innovation in the commercial banking sector in recent years. The growth of retail lending, especially, in emerging economies, is attributable to the rapid advances in information technology, the evolving macroeconomic environment, financial market reform, and several micro-level demand and supply side factors. India too experienced a surge in retail
मे 26, 2005
Emerging Challenges before the Indian Banks – The Road Ahead*
It is indeed an honour to be invited to commence the Dena Bank Foundation Day Lecture Series. Today, as we remember the founders, we essentially pay homage to their vision and drive that led to the establishment of the Dena Bank. Shri Pranlalbhai Nanjee, inspired by his late father Shri Devkaran Nanjee’s dream to start a bank and play a seminal role in the development of the Indian banking industry, started the Devkaran Nanjee Banking Company in January 1938, about th
Shri V. Leeladhar, Deputy Governor, Reserve Bank of India
It is indeed an honour to be invited to commence the Dena Bank Foundation Day Lecture Series. Today, as we remember the founders, we essentially pay homage to their vision and drive that led to the establishment of the Dena Bank. Shri Pranlalbhai Nanjee, inspired by his late father Shri Devkaran Nanjee’s dream to start a bank and play a seminal role in the development of the Indian banking industry, started the Devkaran Nanjee Banking Company in January 1938, about th
मे 18, 2005
Banking Sector Reforms in India: An Overview
Governor Ishrat Husain and distinguished bankers,At the outset, let me express my gratitude to Governor Husain for inviting me to visit Karachi and meet with you. I consider it an honour to be here amidst the banking fraternity. I would like to congratulate Pakistan for its impressive economic performance. Governor Husain, in his address at the Seminar on Management of Pakistan Economy in Lahore, a few weeks ago, had this to say about recent economic performance of Pa
Dr. Y. V. Reddy, Governor, Reserve Bank of India
Governor Ishrat Husain and distinguished bankers,At the outset, let me express my gratitude to Governor Husain for inviting me to visit Karachi and meet with you. I consider it an honour to be here amidst the banking fraternity. I would like to congratulate Pakistan for its impressive economic performance. Governor Husain, in his address at the Seminar on Management of Pakistan Economy in Lahore, a few weeks ago, had this to say about recent economic performance of Pa
एप्रि 26, 2005
In quest of new cheese
IBA deserves to be complimented for having organised this Seminar on the subject of "In search of new cheese – Towards Newer Profit Avenues". The subject holds considerable contemporary relevance coming as it does at a time of intense competition, thinning margins, rising yields, and dwindling trading profits. As we look back we can see that the declining interest rate scenario during the last three to four years coupled with prudent regulation, in alignment with inte
Smt. K.J. Udeshi, Deputy Governor, Reserve Bank of India
IBA deserves to be complimented for having organised this Seminar on the subject of "In search of new cheese – Towards Newer Profit Avenues". The subject holds considerable contemporary relevance coming as it does at a time of intense competition, thinning margins, rising yields, and dwindling trading profits. As we look back we can see that the declining interest rate scenario during the last three to four years coupled with prudent regulation, in alignment with inte
एप्रि 26, 2005
Are Banks serving the Common Man ?
Ladies and gentlemen of the Lions Club of Bombay, Thank you very much for giving me an opportunity to share my thoughts with you all. Only Lions would be courageous enough to listen to a talk on the subject of banking which is dry and devoid of any humour. But if you keep in mind that banks deal with your hard-earned savings, what I have to say may be of interest to you. 2. The Reserve Bank has been trying to discipline banks with regard to the quality of customer ser
Smt. K.J. Udeshi, Deputy Governor, Reserve Bank of India
Ladies and gentlemen of the Lions Club of Bombay, Thank you very much for giving me an opportunity to share my thoughts with you all. Only Lions would be courageous enough to listen to a talk on the subject of banking which is dry and devoid of any humour. But if you keep in mind that banks deal with your hard-earned savings, what I have to say may be of interest to you. 2. The Reserve Bank has been trying to discipline banks with regard to the quality of customer ser
एप्रि 03, 2005
Emerging Realities in Banking & Finance: Role of New Generation Managers
It is indeed a pleasure to be here in your midst today. To be amongst bright young students is not only energizing but also a learning experience - as we look at issues afresh and start by asking basic questions, which at some level are the most difficult. 2. The Reserve Bank has shared a very special relationship with the NIBM – it catalyzed its creation in 1969, provided the venue for its first campus and has been intimately associated with its functioning. While th
Shri V. Leeladhar, Deputy Governor, Reserve Bank of India
It is indeed a pleasure to be here in your midst today. To be amongst bright young students is not only energizing but also a learning experience - as we look at issues afresh and start by asking basic questions, which at some level are the most difficult. 2. The Reserve Bank has shared a very special relationship with the NIBM – it catalyzed its creation in 1969, provided the venue for its first campus and has been intimately associated with its functioning. While th
मार्च 11, 2005
Contemporary and Future Issues in Indian Banking*
Banking scenario has changed rapidly since 1990s. The decade of 90s has witnessed a sea change in the way banking is done in India. Technology has made tremendous impact in banking. ‘Anywhere banking’ and ‘Anytime banking’ have become a reality. The financial sector now operates in a more competitive environment than before and intermediates relatively large volume of international financial flows. In the wake of greater financial deregulation and global financial int
Shri V. Leeladhar, Deputy Governor, Reserve Bank of India
Banking scenario has changed rapidly since 1990s. The decade of 90s has witnessed a sea change in the way banking is done in India. Technology has made tremendous impact in banking. ‘Anywhere banking’ and ‘Anytime banking’ have become a reality. The financial sector now operates in a more competitive environment than before and intermediates relatively large volume of international financial flows. In the wake of greater financial deregulation and global financial int
मार्च 11, 2005
Basel II Accord and its Implications
Ladies and gentlemen, it is my pleasure to share my thoughts with you on a subject which is currently engaging the attention of the banking community, not just in India but worldwide. Let me first admit upfront that although I am at the moment wearing the regulator’s hat, yet I have been a commercial banker for most part of my professional career. So, the banker in me still goads me to put myself in bankers’ shoes before evaluating any regulatory options. I can better
Shri V. Leeladhar, Deputy Governor, Reserve Bank of India
Ladies and gentlemen, it is my pleasure to share my thoughts with you on a subject which is currently engaging the attention of the banking community, not just in India but worldwide. Let me first admit upfront that although I am at the moment wearing the regulator’s hat, yet I have been a commercial banker for most part of my professional career. So, the banker in me still goads me to put myself in bankers’ shoes before evaluating any regulatory options. I can better
नोव्हें 27, 2004
Corporate Governance in Banks*
Let me at the outset commend the achievements of your bank in almost all the performance parameters. It is indeed heartening to see a well functioning and sound bank in the otherwise none too rosy co-operative sector. In fact, there could have been no better tribute to the memory of your great founder Sheth Shantaram Mangesh Kulkarni than to turn in a solid performance year after year, and also at the same time becoming a technologically savvy institution. I congratul
Shri V. Leeladhar, Deputy Governor, Reserve Bank of India
Let me at the outset commend the achievements of your bank in almost all the performance parameters. It is indeed heartening to see a well functioning and sound bank in the otherwise none too rosy co-operative sector. In fact, there could have been no better tribute to the memory of your great founder Sheth Shantaram Mangesh Kulkarni than to turn in a solid performance year after year, and also at the same time becoming a technologically savvy institution. I congratul
नोव्हें 10, 2004
Banking Needs of a Global Economy - Keynote Address
Thank you. I am, as ever, delighted to be in India. I am only sorry that on this occasion my visit is so brief. I am here in Delhi specifically to attend your conference this morning. I was glad to have the opportunity to address such an important topic and I am grateful to the organizers for persisting with their invitation even when getting here did not seem logistically possible. As you can see, it was—just! A strong, well-functioning financial sector is crucial fo
Anne O Krueger, First Deputy Managing Director
Thank you. I am, as ever, delighted to be in India. I am only sorry that on this occasion my visit is so brief. I am here in Delhi specifically to attend your conference this morning. I was glad to have the opportunity to address such an important topic and I am grateful to the organizers for persisting with their invitation even when getting here did not seem logistically possible. As you can see, it was—just! A strong, well-functioning financial sector is crucial fo
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