Speeches - Regulating Commercial Banking - ఆర్బిఐ - Reserve Bank of India
speeches
డిసెం 31, 2012
Contemporary issues in Banking: Reflections on Viewpoints of a Bank Economist
Dr. M. Narendra, Chairman and Managing Director, Indian Overseas Bank (IOB); Shri A.K. Bansal and Shri A.D.M. Chavali, Executive Directors of IOB; Shri N. Viswanathan, Regional Director, RBI; Smt. Indira Padmini and other General Managers of IOB; Shri M. Ramaswamy, Retired Secretary of Auroville; Shri S. Muthiah, Historian; Shri M.Ct.P. Chidambaram, grandson of the founder of Indian Overseas Bank; Shri B.J. Krishnan, Environmentalist; Shri Bhakther Solomon, Chief Exec
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Dr. M. Narendra, Chairman and Managing Director, Indian Overseas Bank (IOB); Shri A.K. Bansal and Shri A.D.M. Chavali, Executive Directors of IOB; Shri N. Viswanathan, Regional Director, RBI; Smt. Indira Padmini and other General Managers of IOB; Shri M. Ramaswamy, Retired Secretary of Auroville; Shri S. Muthiah, Historian; Shri M.Ct.P. Chidambaram, grandson of the founder of Indian Overseas Bank; Shri B.J. Krishnan, Environmentalist; Shri Bhakther Solomon, Chief Exec
డిసెం 17, 2012
Technology enabled transformation in the Financial Sector
Mr Sambamurthy, Members of Faculty, CIOs and GMs of banks, ladies and gentlemen. I thank the IDRBT for inviting me to address this erudite audience. The issues that I have chosen to flag; I hope, would generate adequate interest and be the basis for further deliberations leading to some concrete suggestions. We, in the Reserve Bank would eagerly look forward to such outcomes, as these can be useful to set the road map for technology adoption in the Indian financial se
Shri G Padmanabhan, Executive Director, Reserve Bank of India
Mr Sambamurthy, Members of Faculty, CIOs and GMs of banks, ladies and gentlemen. I thank the IDRBT for inviting me to address this erudite audience. The issues that I have chosen to flag; I hope, would generate adequate interest and be the basis for further deliberations leading to some concrete suggestions. We, in the Reserve Bank would eagerly look forward to such outcomes, as these can be useful to set the road map for technology adoption in the Indian financial se
నవం 23, 2012
Supporting Explosive Growth: Effective Linkages between the Banking Sector and Real Sector
Introduction Shri Rajkumar Dhoot, Hon’ble Member of Parliament and President, ASSOCHAM, Shri M. Narendra, Chairperson, ASSOCHAM National Council for Banking & Finance and CMD, Indian Overseas Bank, Shri Sunil Kanoria, Vice President, ASSOCHAM and Vice Chairman, SREI Infrastructure Finance Ltd.; Mrs. Shubhada Rao, Senior President and Chief Economist, Yes Bank Ltd.; Mr. Subhash C Aggarwal, CMD, SMC Group; Ms. Sudha Ravi, Co-Chairperson, ASSOCHAM National Council fo
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Introduction Shri Rajkumar Dhoot, Hon’ble Member of Parliament and President, ASSOCHAM, Shri M. Narendra, Chairperson, ASSOCHAM National Council for Banking & Finance and CMD, Indian Overseas Bank, Shri Sunil Kanoria, Vice President, ASSOCHAM and Vice Chairman, SREI Infrastructure Finance Ltd.; Mrs. Shubhada Rao, Senior President and Chief Economist, Yes Bank Ltd.; Mr. Subhash C Aggarwal, CMD, SMC Group; Ms. Sudha Ravi, Co-Chairperson, ASSOCHAM National Council fo
అక్టో 25, 2012
Financial Regulatory Reforms
A very good afternoon to you all. It is my privilege to chair the panel on ‘Financial Regulatory Reforms: Not far enough or Overkill?’ Let me welcome the four very eminent panelists, Mr. Jae-ha Park, Deputy Dean ADBI; Mr. Stephen Pickford, Associate Fellow, Chatham House; Mr. Paul Bernd Spahn, Professor Emeritus of Goethe University, Frankfurt am Main, Germany and Ms. Susan Thomas, Assistant Professor, Indira Gandhi Institute of Development Research. 2. The topic of t
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
A very good afternoon to you all. It is my privilege to chair the panel on ‘Financial Regulatory Reforms: Not far enough or Overkill?’ Let me welcome the four very eminent panelists, Mr. Jae-ha Park, Deputy Dean ADBI; Mr. Stephen Pickford, Associate Fellow, Chatham House; Mr. Paul Bernd Spahn, Professor Emeritus of Goethe University, Frankfurt am Main, Germany and Ms. Susan Thomas, Assistant Professor, Indira Gandhi Institute of Development Research. 2. The topic of t
అక్టో 23, 2012
Technology in the Financial Sector- Some Issues and a Few Concerns
Mr Joseph, Mr Jayakumar, Mr Hareesh Babu, Mr John, distinguished ladies and gentlemen, it is a pleasure to be addressing the bankers in this beautiful city of Thrissur, often called the cultural capital of Kerala. From the bankers' perspective it can well be called the banking capital of Kerala, as three banks are head-quartered in Thrissur and a fourth in the adjoining town of Aluva. I am told that the Bankers Club, Thrissur is one of the oldest and the largest in Ke
Shri G Padmanabhan, Executive Director, Reserve Bank of India
Mr Joseph, Mr Jayakumar, Mr Hareesh Babu, Mr John, distinguished ladies and gentlemen, it is a pleasure to be addressing the bankers in this beautiful city of Thrissur, often called the cultural capital of Kerala. From the bankers' perspective it can well be called the banking capital of Kerala, as three banks are head-quartered in Thrissur and a fourth in the adjoining town of Aluva. I am told that the Bankers Club, Thrissur is one of the oldest and the largest in Ke
అక్టో 22, 2012
Gauging the Potential of Emerging Markets – Can growth be achieved with Durable Financial Stability
Ms. Henny Sender, Chief Correspondent, International Finance, Financial Times and moderator for the panel discussion, my co-panelists, Mr. Bunt Ghosh, Head of Emerging Market Strategy for Asset Management, Credit Suisse; Mr. Sunil Godhwani, CMD, Religare Enterprises; Mr. Sizwe Nxasana, CEO, First Rand Group; Dr. Rana Kapoor, Founder, Managing Director and CEO, Yes Bank; other delegates and members of print and electronic media. A very good afternoon to you all. 2. Whi
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Ms. Henny Sender, Chief Correspondent, International Finance, Financial Times and moderator for the panel discussion, my co-panelists, Mr. Bunt Ghosh, Head of Emerging Market Strategy for Asset Management, Credit Suisse; Mr. Sunil Godhwani, CMD, Religare Enterprises; Mr. Sizwe Nxasana, CEO, First Rand Group; Dr. Rana Kapoor, Founder, Managing Director and CEO, Yes Bank; other delegates and members of print and electronic media. A very good afternoon to you all. 2. Whi
అక్టో 09, 2012
Techno - Banking – Prospects and Challenges
Distinguished ladies and gentlemen, I am honoured to be invited to deliver the key note address at the 6th edition of the ET Banking Technology Conclave. I am also thankful to the organizers for their kind gesture in asking me to deliver the inaugural rather than the valedictory address, as originally intended. I was rather apprehensive of delivering a valedictory address in a Seminar like this, since-drawing a cricket analogy- it would be like going in as the last ma
Shri G Padmanabhan, Executive Director, Reserve Bank of India
Distinguished ladies and gentlemen, I am honoured to be invited to deliver the key note address at the 6th edition of the ET Banking Technology Conclave. I am also thankful to the organizers for their kind gesture in asking me to deliver the inaugural rather than the valedictory address, as originally intended. I was rather apprehensive of delivering a valedictory address in a Seminar like this, since-drawing a cricket analogy- it would be like going in as the last ma
సెప్టెం 21, 2012
Underlying Concepts and Principles of Dynamic Provisioning
Thank you very much for inviting me to this conference to share with you my understanding of the underlying concepts and principles of dynamic provisioning. A discussion paper on the subject was brought out by the Reserve Bank of India (RBI) in March 2012. We are still in the process of examining the comments received from banks and other stakeholders and it may take us a while to finalise anything in this regard. Why make provisions? 2. Let me start the discussion wi
Shri B. Mahapatra, Executive Director, Reserve Bank of India
Thank you very much for inviting me to this conference to share with you my understanding of the underlying concepts and principles of dynamic provisioning. A discussion paper on the subject was brought out by the Reserve Bank of India (RBI) in March 2012. We are still in the process of examining the comments received from banks and other stakeholders and it may take us a while to finalise anything in this regard. Why make provisions? 2. Let me start the discussion wi
సెప్టెం 17, 2012
Indian Economy: Imperatives for Second Generation Reforms
Dr. Suresh Kotak, Chairman, Kotak and Co. Ltd.; Dr. J. Phadnis, Principal of the VES College of Arts, Science and Commerce; Shri B.L. Boolani, Trustee In-charge; Dr. Suniti Nagpurkar, Head of the Economics Department and Convener of the Seminar, Mrs. Dipta Dasgupta, my old friend from the Banaras Hindu University; faculty members and students participating in the Seminar, Ladies and Gentlemen. It is, indeed, a matter of great pleasure and privilege for me that I have
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Dr. Suresh Kotak, Chairman, Kotak and Co. Ltd.; Dr. J. Phadnis, Principal of the VES College of Arts, Science and Commerce; Shri B.L. Boolani, Trustee In-charge; Dr. Suniti Nagpurkar, Head of the Economics Department and Convener of the Seminar, Mrs. Dipta Dasgupta, my old friend from the Banaras Hindu University; faculty members and students participating in the Seminar, Ladies and Gentlemen. It is, indeed, a matter of great pleasure and privilege for me that I have
సెప్టెం 11, 2012
Financial Stability: 2007 to 2012 - Five years on
Mr. D. Sarkar, CMD, Union Bank of India, Mr. Pratip Chaudhuri, Chairman, State Bank of India, senior members of the banking fraternity, delegates to the Conference, members of the print and electronic media and other distinguished guests. It is my privilege to be here in FIBAC 2012 whose theme is “Sustainable excellence through customer engagement, employee engagement and right use of technology”. FIBAC is an important forum for serious deliberations on banking sector
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Mr. D. Sarkar, CMD, Union Bank of India, Mr. Pratip Chaudhuri, Chairman, State Bank of India, senior members of the banking fraternity, delegates to the Conference, members of the print and electronic media and other distinguished guests. It is my privilege to be here in FIBAC 2012 whose theme is “Sustainable excellence through customer engagement, employee engagement and right use of technology”. FIBAC is an important forum for serious deliberations on banking sector
సెప్టెం 05, 2012
Revised Guidelines on Priority Sector Lending: Rationale and Logic
Shri Alok K. Misra, Chairman, IBA and CMD, Bank of India; Shri Pratip Chaudhuri, Chairman, State Bank of India; CMDs/ CEOs of other banks; other senior members of the banking fraternity, delegates to the conference, members of the print and electronic media, other distinguished guests, ladies and gentlemen. It is, indeed, a matter of great pleasure for me to deliver this special address at the annual FICCI – IBA Global Banking Conference - FIBAC 2012. FIBAC has become
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Shri Alok K. Misra, Chairman, IBA and CMD, Bank of India; Shri Pratip Chaudhuri, Chairman, State Bank of India; CMDs/ CEOs of other banks; other senior members of the banking fraternity, delegates to the conference, members of the print and electronic media, other distinguished guests, ladies and gentlemen. It is, indeed, a matter of great pleasure for me to deliver this special address at the annual FICCI – IBA Global Banking Conference - FIBAC 2012. FIBAC has become
సెప్టెం 04, 2012
Basel III in International and Indian Contexts Ten Questions We Should Know the Answers For
For the fourth year on a trot, you have extended me the privilege of inaugurating this annual FICCI-IBA conference. Involving as it does leaders from the corporate and banking sectors, this conference has emerged as an important forum for discussing major policy issues. Naturally, I attach a lot of value to speaking from this platform. Thank you for this opportunity. 2. Later this month, we will be marking the fourth anniversary of the collapse of Lehman Brothers whic
Dr. D. Subbarao, Governor, Reserve Bank of India
For the fourth year on a trot, you have extended me the privilege of inaugurating this annual FICCI-IBA conference. Involving as it does leaders from the corporate and banking sectors, this conference has emerged as an important forum for discussing major policy issues. Naturally, I attach a lot of value to speaking from this platform. Thank you for this opportunity. 2. Later this month, we will be marking the fourth anniversary of the collapse of Lehman Brothers whic
సెప్టెం 03, 2012
CRR is a cost, manage it: Chakrabarty tells SBI
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
ఆగ 28, 2012
Perspectives on Risk and Governance
Mr. P R Ramesh, Chairman, Deloitte, Dr. Vikram Kuriyan, Director of the Investment Centre, Indian School of Business, Ms. Usha Thorat and Mr. V S Das, my erstwhile colleagues from Reserve Bank and other delegates. It is a pleasure for me to interact with you all, today at this Summit. 2. The theme of the Summit revolves around risk and governance, the two terms which are being looked at by policy makers with renewed interest and a fresh perspective in the aftermath of
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Mr. P R Ramesh, Chairman, Deloitte, Dr. Vikram Kuriyan, Director of the Investment Centre, Indian School of Business, Ms. Usha Thorat and Mr. V S Das, my erstwhile colleagues from Reserve Bank and other delegates. It is a pleasure for me to interact with you all, today at this Summit. 2. The theme of the Summit revolves around risk and governance, the two terms which are being looked at by policy makers with renewed interest and a fresh perspective in the aftermath of
ఆగ 13, 2012
Corporate Debt Restructuring- Issues and Way Forward
Ms. Soundara Kumar, Deputy Managing Director, State Bank of India, Mr. Siby Anthony, Managing Director & CEO, Edelweiss Asset Reconstruction Co. Ltd., Mr. R. Sundaram, President (Finance) & Company Secretary, Indo Count Industries Limited, Mr. T.R Madhavan, Executive Chairman, Centrum Group, and, seated in front of the dais, Mr. Chandir Gidwani , Promoter, Centrum Group, other distinguished guests, members of the print and electronic media, ladies and gentleme
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Ms. Soundara Kumar, Deputy Managing Director, State Bank of India, Mr. Siby Anthony, Managing Director & CEO, Edelweiss Asset Reconstruction Co. Ltd., Mr. R. Sundaram, President (Finance) & Company Secretary, Indo Count Industries Limited, Mr. T.R Madhavan, Executive Chairman, Centrum Group, and, seated in front of the dais, Mr. Chandir Gidwani , Promoter, Centrum Group, other distinguished guests, members of the print and electronic media, ladies and gentleme
జులై 19, 2012
Small is still Beautiful and Competitive – Reflections on the Growth of Micro, Small and Medium Enterprises (MSMEs) in India
Mr. Partha Chatterjee, Hon’ble Minister in Charge, Department of Commerce and Industries, Government of West Bengal, Dr. Manas Ranjan Bhunia, Hon’ble Minister in Charge, Department of Micro and Small Scale Enterprises and Textiles, Government of West Bengal, Dr. Rajeev Singh, Director General, Indian Chamber of Commerce, Kolkata, and other distinguished invitees. I am indeed happy to be a part of this national conference. 2. This conference is very timely for several
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Mr. Partha Chatterjee, Hon’ble Minister in Charge, Department of Commerce and Industries, Government of West Bengal, Dr. Manas Ranjan Bhunia, Hon’ble Minister in Charge, Department of Micro and Small Scale Enterprises and Textiles, Government of West Bengal, Dr. Rajeev Singh, Director General, Indian Chamber of Commerce, Kolkata, and other distinguished invitees. I am indeed happy to be a part of this national conference. 2. This conference is very timely for several
జులై 16, 2012
Issues in IT Governance
Smt. Meena Hemchandra, Principal CAB, members of CAB faculty and participants; wish you all a very good morning. I thank the Principal for the privilege given to me to address this gathering of CTOs and CIOs of banks, who are responsible for managing information, the most valuable resource for banks today. It is indeed appreciable and thoughtful of the CAB to organize a programme with a theme which has great contemporary relevance. Emergence of Corporate Governance 2.
Shri G Padmanabhan, Executive Director, Reserve Bank of India
Smt. Meena Hemchandra, Principal CAB, members of CAB faculty and participants; wish you all a very good morning. I thank the Principal for the privilege given to me to address this gathering of CTOs and CIOs of banks, who are responsible for managing information, the most valuable resource for banks today. It is indeed appreciable and thoughtful of the CAB to organize a programme with a theme which has great contemporary relevance. Emergence of Corporate Governance 2.
జులై 13, 2012
Global Convergence of Banking Regulations and its impact on Indian Banking System
I am very happy to be here to address the Bankers Club at Raipur. Chhattisgarh is a fast developing state and the banking system here has to play its role in ushering in economic growth of the state. The outreach programme in which I participated yesterday at Makanpur was an eye opener for me regarding the active role played by the banks towards this direction. Global Financial Crisis – A curtain raiser 2. As we are passing through difficult but challenging times as f
Shri G Padmanabhan, Executive Director, Reserve Bank of India
I am very happy to be here to address the Bankers Club at Raipur. Chhattisgarh is a fast developing state and the banking system here has to play its role in ushering in economic growth of the state. The outreach programme in which I participated yesterday at Makanpur was an eye opener for me regarding the active role played by the banks towards this direction. Global Financial Crisis – A curtain raiser 2. As we are passing through difficult but challenging times as f
జులై 04, 2012
Touching Hearts and Spreading Smiles
I am deeply touched by the invitation to deliver this oration as part of Indian Overseas Bank’s Platinum Jubilee celebrations. I know that some very distinguished people have given orations in this series, and it is an honour for me to add my name to that very select list. IOB - Origins and Legacy 2. At the outset, my congratulations to the CMD Shri Narendra, all the officers and staff of IOB on this very special occasion. I browsed through the history of IOB and am s
Dr. D. Subbarao, Governor, Reserve Bank of India
I am deeply touched by the invitation to deliver this oration as part of Indian Overseas Bank’s Platinum Jubilee celebrations. I know that some very distinguished people have given orations in this series, and it is an honour for me to add my name to that very select list. IOB - Origins and Legacy 2. At the outset, my congratulations to the CMD Shri Narendra, all the officers and staff of IOB on this very special occasion. I browsed through the history of IOB and am s
జులై 03, 2012
IT and Governance in Banks - Some thoughts
Shri Sambamurthy, Director, IDRBT; Shri Prabhakar, Chairman and Managing Director, Andhra Bank, Shri Rao, Managing Director, SBH, Shri Siva Kumar, member of faculty, IDRBT, distinguished fellows of IDRBT; other members of the faculty; and directors on the Boards of banks. Wish you all a very good morning. 2. Independent directors are looked upon by both the stakeholders and regulators as important contributors to the value additive and ethically positive oversight of
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Shri Sambamurthy, Director, IDRBT; Shri Prabhakar, Chairman and Managing Director, Andhra Bank, Shri Rao, Managing Director, SBH, Shri Siva Kumar, member of faculty, IDRBT, distinguished fellows of IDRBT; other members of the faculty; and directors on the Boards of banks. Wish you all a very good morning. 2. Independent directors are looked upon by both the stakeholders and regulators as important contributors to the value additive and ethically positive oversight of
జూన్ 04, 2012
Human Resource Management in Banks – Need for a new perspective
Shri Alok Misra, CMD, Bank of India, Dr. K. Ramakrishnan, Chief Executive, Indian Banks Association, CMDs and EDs of Public Sector Banks, fellow bankers, external consultants, members of the press and distinguished guests. I thank you for inviting me to this conference. 2. I am happy to note that a conference focusing exclusively on HR issues is being organized by Public Sector Banks. I understand that the conference is being organized at the instance of the Governmen
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Shri Alok Misra, CMD, Bank of India, Dr. K. Ramakrishnan, Chief Executive, Indian Banks Association, CMDs and EDs of Public Sector Banks, fellow bankers, external consultants, members of the press and distinguished guests. I thank you for inviting me to this conference. 2. I am happy to note that a conference focusing exclusively on HR issues is being organized by Public Sector Banks. I understand that the conference is being organized at the instance of the Governmen
ఏప్రి 24, 2012
Remarks by Dr. K. C. Chakrabarty, Deputy Governor, Reserve Bank of India in a Panel Discussion on Financial Literacy and Consumer Protection, Washington, DC, on April 22, 2012
• Globally, the triad of Financial Inclusion, Financial Literacy and Consumer Protection has been recognized as intertwining threads in pursuit of Financial Stability. For any kind of stability, whether financial, economic, political or social, inclusive growth is an essential prerequisite. Inclusive growth, in turn, is largely driven by financial inclusion and an inclusive financial system. Financial Inclusion and Literacy • Financial Inclusion and financial literacy
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
• Globally, the triad of Financial Inclusion, Financial Literacy and Consumer Protection has been recognized as intertwining threads in pursuit of Financial Stability. For any kind of stability, whether financial, economic, political or social, inclusive growth is an essential prerequisite. Inclusive growth, in turn, is largely driven by financial inclusion and an inclusive financial system. Financial Inclusion and Literacy • Financial Inclusion and financial literacy
ఏప్రి 13, 2012
Enabling Affordable Housing for All – Issues & Challenges
1. It is a pleasure to address such a distinguished gathering of delegates at the international conference and the well-known experts from the sector who have assembled here. It is my pleasure to be here not only as a representative of the Reserve Bank of India but also as a member of the Board of the National Housing Bank (NHB). Over the years, the Reserve Bank and the NHB have committed to the cause of improving the condition of the Indian housing sector considering
Shri Harun R Khan, Deputy Governor, Reserve Bank of India
1. It is a pleasure to address such a distinguished gathering of delegates at the international conference and the well-known experts from the sector who have assembled here. It is my pleasure to be here not only as a representative of the Reserve Bank of India but also as a member of the Board of the National Housing Bank (NHB). Over the years, the Reserve Bank and the NHB have committed to the cause of improving the condition of the Indian housing sector considering
ఏప్రి 03, 2012
Systemic risk assessment – The cornerstone for the pursuit of financial stability
1. First of all, let me extend a warm welcome to all of you to this vibrant city called Mumbai. We, in India, often call this city the Maximum City – it is undeniably, like the punch line of the advertisement of a global bank, a city which never sleeps. I hope all of you also take maximum advantage of your stay here in respect of the deliberations during the seminar and of the tremendous opportunities for entertainment that this city offers! 2. The subject of this con
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
1. First of all, let me extend a warm welcome to all of you to this vibrant city called Mumbai. We, in India, often call this city the Maximum City – it is undeniably, like the punch line of the advertisement of a global bank, a city which never sleeps. I hope all of you also take maximum advantage of your stay here in respect of the deliberations during the seminar and of the tremendous opportunities for entertainment that this city offers! 2. The subject of this con
మార్చి 20, 2012
Changing Contours of Global Crisis- Impact on Indian Economy
Dr. Devi Singh, Director, IIM Lucknow and Mentor Director, IIM Kashipur; Professor Manoj Anand; other members of the faculty; my fellow bankers and the young and ‘raring to go’ students of Indian Institute of Management, Kashipur. A very good evening to you all. I deem it a privilege to address young and bright students like this. I see in them the willingness to listen, courage to question and the enthusiasm to take on challenges that the future holds for them. In sh
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Dr. Devi Singh, Director, IIM Lucknow and Mentor Director, IIM Kashipur; Professor Manoj Anand; other members of the faculty; my fellow bankers and the young and ‘raring to go’ students of Indian Institute of Management, Kashipur. A very good evening to you all. I deem it a privilege to address young and bright students like this. I see in them the willingness to listen, courage to question and the enthusiasm to take on challenges that the future holds for them. In sh
మార్చి 13, 2012
Striking a Balance: Credit Penetration and NPA Management – Role of Information Sharing
Mr. Nair, Chairman, Credit Information Bureau (India) Limited (CIBIL) and CMD, Union Bank of India; Mr. Mallya, CMD, Bank of Baroda; Mr. Siddharth Mehta, President and CEO, TransUnion; Mr. Thukral, MD, CIBIL and other distinguished guests. It is indeed an honour for me to address you all here during the fourth annual Credit Information Conference. 2. Banking is a risky business. Banks, or more generally the credit institutions, in their role as intermediaries take upo
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Mr. Nair, Chairman, Credit Information Bureau (India) Limited (CIBIL) and CMD, Union Bank of India; Mr. Mallya, CMD, Bank of Baroda; Mr. Siddharth Mehta, President and CEO, TransUnion; Mr. Thukral, MD, CIBIL and other distinguished guests. It is indeed an honour for me to address you all here during the fourth annual Credit Information Conference. 2. Banking is a risky business. Banks, or more generally the credit institutions, in their role as intermediaries take upo
మార్చి 05, 2012
The Framework for Pre-Empting Systemic Financial Risks
1. For all the like-never-before-and-hopefully-never-after financial, fiscal, economic and social costs of the Global Financial Crisis, the one perverse benefit of it, nevertheless, has been that it has tellingly focussed attention of global law and policy makers and head honchos of finance and banking industry, also like never before, on risk and the risk management imperative as also compelled a cathartic reappraisal of how risk should be defined and measured ! As s
Shri V.K. Sharma, Executive Director, Reserve Bank of India
1. For all the like-never-before-and-hopefully-never-after financial, fiscal, economic and social costs of the Global Financial Crisis, the one perverse benefit of it, nevertheless, has been that it has tellingly focussed attention of global law and policy makers and head honchos of finance and banking industry, also like never before, on risk and the risk management imperative as also compelled a cathartic reappraisal of how risk should be defined and measured ! As s
మార్చి 03, 2012
Implications of Basel III for Capital, Liquidity and Profitability of Banks
It is heartening that the National Institute of Bank Management (NIBM), Pune is organizing a two-day National Conference on ‘Emerging Macro Environment, Regulatory Changes and Bank Competitiveness’, today and tomorrow. I am indeed grateful to the NIBM for giving me this privilege to talk to you today on a topic - Implications of Basel III for Capital, Liquidity and Profitability of Banks - which is contemporaneous, not only in the financial circles, but also in the la
Shri B. Mahapatra, Executive Director, Reserve Bank of India
It is heartening that the National Institute of Bank Management (NIBM), Pune is organizing a two-day National Conference on ‘Emerging Macro Environment, Regulatory Changes and Bank Competitiveness’, today and tomorrow. I am indeed grateful to the NIBM for giving me this privilege to talk to you today on a topic - Implications of Basel III for Capital, Liquidity and Profitability of Banks - which is contemporaneous, not only in the financial circles, but also in the la
ఫిబ్ర 27, 2012
BCSBI, Customer Service and Consumer Protection-Issues and Challenges
Shri A.C.Mahajan, Chairman BCSBI, Shri M.M. Chitale, Shri H.N.Sinor, Shri C. Krishnan, members of the Governing Council of BCSBI, Shri N Raja CEO, BCSBI, delegates to the Conference, Ladies and Gentlemen, it gives me great pleasure to be in your midst today and share with you some of my thoughts concerning quality of customer care and service in our banking industry. 1. The BCSBI has been in existence for six years now and has done a commendable job in this short span
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Shri A.C.Mahajan, Chairman BCSBI, Shri M.M. Chitale, Shri H.N.Sinor, Shri C. Krishnan, members of the Governing Council of BCSBI, Shri N Raja CEO, BCSBI, delegates to the Conference, Ladies and Gentlemen, it gives me great pleasure to be in your midst today and share with you some of my thoughts concerning quality of customer care and service in our banking industry. 1. The BCSBI has been in existence for six years now and has done a commendable job in this short span
ఫిబ్ర 17, 2012
Indian Banking Sector: Towards the Next Orbit
Dr. Pritam Singh, Director General, International Management Institute, Dr. Ahindra Chakrabarti, Programme Director, participants from Reserve Bank of India and the commercial banks. It gives me great pleasure to be before you today as you embark on this journey of learning here at IMI and later across Paris, Berlin and Milan to imbibe the culture of these countries and the best practices. The Advanced Management Programme is the ninth in the series and includes study
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Dr. Pritam Singh, Director General, International Management Institute, Dr. Ahindra Chakrabarti, Programme Director, participants from Reserve Bank of India and the commercial banks. It gives me great pleasure to be before you today as you embark on this journey of learning here at IMI and later across Paris, Berlin and Milan to imbibe the culture of these countries and the best practices. The Advanced Management Programme is the ninth in the series and includes study
ఫిబ్ర 17, 2012
Moving towards technology led excellence in banking
Shri Sambamurthy, Director IDRBT, Executive Directors of banks, members of faculty from IDRBT, ladies and gentlemen. It gives me immense pleasure to be delivering the keynote address in today’s workshop ‘Beyond Core Banking’ and I thank IDRBT for giving me the opportunity. 2. In today’s technologically advanced environment, Core Banking Solution (CBS), does not remain an edge anymore, but has become the basic prerequisite for any bank. Building on this, banks need to
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Shri Sambamurthy, Director IDRBT, Executive Directors of banks, members of faculty from IDRBT, ladies and gentlemen. It gives me immense pleasure to be delivering the keynote address in today’s workshop ‘Beyond Core Banking’ and I thank IDRBT for giving me the opportunity. 2. In today’s technologically advanced environment, Core Banking Solution (CBS), does not remain an edge anymore, but has become the basic prerequisite for any bank. Building on this, banks need to
జన 31, 2012
Indian Banking- Journey into the Future*
Shri M D Mallya, Chairman, Indian Banks’ Association and Shri M Narendra, Chairman, Indian Overseas Bank, the joint organizers of this mega event of the Indian banking industry and other delegates. A very good evening! It is an honour for me to be here today to deliver the valedictory address of this Conference which has come to signify an annual confluence of banking minds for serious deliberations. These conferences give us all an opportunity to reflect on the lates
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Shri M D Mallya, Chairman, Indian Banks’ Association and Shri M Narendra, Chairman, Indian Overseas Bank, the joint organizers of this mega event of the Indian banking industry and other delegates. A very good evening! It is an honour for me to be here today to deliver the valedictory address of this Conference which has come to signify an annual confluence of banking minds for serious deliberations. These conferences give us all an opportunity to reflect on the lates
జన 16, 2012
Infrastructure Financing in India – Progress & Prospects
Distinguished members of faculty and students. 1. IIT, Kharagpur is one of the very few educational institutes of India which has a strong linkage to our struggle for Independence and our vision for the future India. The Institute started its illustrious journey from Hijli Detention Camp where some of our freedom fighters were kept captive and had to make the supreme sacrifice for the freedom of our country. As Pandit Nehru, in his first convocation address in 1956, s
Shri Harun R Khan, Deputy Governor, Reserve Bank of India
Distinguished members of faculty and students. 1. IIT, Kharagpur is one of the very few educational institutes of India which has a strong linkage to our struggle for Independence and our vision for the future India. The Institute started its illustrious journey from Hijli Detention Camp where some of our freedom fighters were kept captive and had to make the supreme sacrifice for the freedom of our country. As Pandit Nehru, in his first convocation address in 1956, s
జన 09, 2012
Banking Sector – Maintaining Resilience to Risk and Shock and the role of the Accounting Profession
1. Shri Amarjit Chopra, past president, ICAI, Shri G. Ramaswamy, present president, ICAI, Shri Reddy and other council members, distinguished Guests and Delegates, ladies and gentlemen. It gives me great pleasure to address this august gathering of accounting professionals from around the world. I must, at the very outset, laud the initiative of The Institute of Chartered Accountants of India (ICAI) in organising this conference for accountants to dwell on issues of t
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
1. Shri Amarjit Chopra, past president, ICAI, Shri G. Ramaswamy, present president, ICAI, Shri Reddy and other council members, distinguished Guests and Delegates, ladies and gentlemen. It gives me great pleasure to address this august gathering of accounting professionals from around the world. I must, at the very outset, laud the initiative of The Institute of Chartered Accountants of India (ICAI) in organising this conference for accountants to dwell on issues of t
డిసెం 26, 2011
Legislative Reforms- Strengthening Banking Sector
Justice (Retd.) Shri B.N. Srikrishna, Chairman, Financial Sector Legislative Reforms Commission (FSLRC), Shri Swarup and Shri Malegam (members of FSLRC), Shri Yogesh Agarwal, Chairman, Pension Fund Regulatory and Development Authority (PFRDA), Shri Mudholkar and Shri Chikermane, and other delegates. It is an honour and privilege for me to address you today, on some of the key issues with regard to “Reforms in the Banking Sector” and I thank Financial Planning Standard
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Justice (Retd.) Shri B.N. Srikrishna, Chairman, Financial Sector Legislative Reforms Commission (FSLRC), Shri Swarup and Shri Malegam (members of FSLRC), Shri Yogesh Agarwal, Chairman, Pension Fund Regulatory and Development Authority (PFRDA), Shri Mudholkar and Shri Chikermane, and other delegates. It is an honour and privilege for me to address you today, on some of the key issues with regard to “Reforms in the Banking Sector” and I thank Financial Planning Standard
డిసెం 26, 2011
Financial Reporting in the context of Financial Stability: A Regulator’s view on Some Accounting Issues
1. Dr. Ashraf Nabhan Al Nabhani, Dean, College of Banking and Financial Studies, Mr. Kishore Rabi, Chairman, ICAI Muscat Chapter and other delegates. It gives me great pleasure to address this august gathering organised by the Muscat Chapter of the Institute of Chartered Accountants of India (ICAI). I am given to understand that the Muscat Chapter, the 19th overseas chapter of the ICAI is amongst the most active chapters of the ICAI and has been engaging in capacity b
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
1. Dr. Ashraf Nabhan Al Nabhani, Dean, College of Banking and Financial Studies, Mr. Kishore Rabi, Chairman, ICAI Muscat Chapter and other delegates. It gives me great pleasure to address this august gathering organised by the Muscat Chapter of the Institute of Chartered Accountants of India (ICAI). I am given to understand that the Muscat Chapter, the 19th overseas chapter of the ICAI is amongst the most active chapters of the ICAI and has been engaging in capacity b
డిసెం 16, 2011
Challenges to the Accounting Profession Some Reflections
Thank you for inviting me to speak at this conference of the Western India Regional Council of the Institute of Chartered Accountants of India (ICAI). 2. When I got invited to speak at this conference, at first I was a bit surprised. I wondered why you might be wasting valuable conference time listening to the Reserve Bank when there is not much in common between the Reserve Bank and the accounting profession, except possibly the fact that we both lose sleep when numb
Dr. D. Subbarao, Governor, Reserve Bank of India
Thank you for inviting me to speak at this conference of the Western India Regional Council of the Institute of Chartered Accountants of India (ICAI). 2. When I got invited to speak at this conference, at first I was a bit surprised. I wondered why you might be wasting valuable conference time listening to the Reserve Bank when there is not much in common between the Reserve Bank and the accounting profession, except possibly the fact that we both lose sleep when numb
డిసెం 14, 2011
Ten Commandments for a Successful Banking Career1
Ms Chanda Kochhar, MD and CEO, ICICI Bank, Shri T. V. Mohandas Pai, Chairman, Manipal Global Education Services, Dr K. Ramnarayan, Vice Chancellor, Manipal University, Shri Rajiv Sabharwal, Executive Director, ICICI Bank, other distinguished guests, ladies and gentlemen, and my young friends. 2. It is indeed a pleasure to be here in your midst today. Young people infuse energy and vigour into any gathering but bright, young bankers like you also make it a learning exp
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Ms Chanda Kochhar, MD and CEO, ICICI Bank, Shri T. V. Mohandas Pai, Chairman, Manipal Global Education Services, Dr K. Ramnarayan, Vice Chancellor, Manipal University, Shri Rajiv Sabharwal, Executive Director, ICICI Bank, other distinguished guests, ladies and gentlemen, and my young friends. 2. It is indeed a pleasure to be here in your midst today. Young people infuse energy and vigour into any gathering but bright, young bankers like you also make it a learning exp
నవం 15, 2011
Empowering Deposit Insurance Entities to Face Challenges posed by an Emerging Financial Landscape – Global and Indian experience
Mr. Hiroyuki Obata, Deputy Governor, DICJ, Japan, Mr. Carlos Isoard, Secretary General, IADI, Switzerland, Mr. Jerzy Pruski, President, BGF, Poland, Mr. Fred S. Carns, Director, FDIC, USA, Mr. G. Gopalakrishna, Executive Director, RBI, distinguished delegates, ladies and gentlemen. At the outset, on behalf of RBI, I extend a hearty welcome to all of you to India and especially to this fascinating state of Rajasthan. We thank IADI for agreeing to hold this conference j
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Mr. Hiroyuki Obata, Deputy Governor, DICJ, Japan, Mr. Carlos Isoard, Secretary General, IADI, Switzerland, Mr. Jerzy Pruski, President, BGF, Poland, Mr. Fred S. Carns, Director, FDIC, USA, Mr. G. Gopalakrishna, Executive Director, RBI, distinguished delegates, ladies and gentlemen. At the outset, on behalf of RBI, I extend a hearty welcome to all of you to India and especially to this fascinating state of Rajasthan. We thank IADI for agreeing to hold this conference j
నవం 15, 2011
Financial Sector Regulation for Growth, Equity and Stability in the Post Crisis World
Introduction I am delighted to join Governor Subbarao and his colleagues at the Reserve Bank of India at this conference on “Financial sector regulation for growth, equity and stability in the post-crisis world”. And I would like to thank Usha Thorat, the first head of the Centre for Advanced Financial Research and Learning, for the invitation. All credit is due to Governor Subbarao and Usha Thorat for this important initiative. One of the lessons of this crisis is ou
Jaime Caruana, General Manager, Bank for International Settlements
Introduction I am delighted to join Governor Subbarao and his colleagues at the Reserve Bank of India at this conference on “Financial sector regulation for growth, equity and stability in the post-crisis world”. And I would like to thank Usha Thorat, the first head of the Centre for Advanced Financial Research and Learning, for the invitation. All credit is due to Governor Subbarao and Usha Thorat for this important initiative. One of the lessons of this crisis is ou
నవం 15, 2011
Financial Regulation for Growth, Equity and Stability in the Post-Crisis World
Let me start by telling you about the motivation for the conference theme. 2. Failure of regulation, by wide agreement, was one of the main causes of the 2008 global financial crisis. It is unsurprising therefore that reforming regulation has come centre stage post-crisis. The progress in regulatory reforms over the last two years has been impressive, but the agenda ahead remains formidable. Regulation will bring in benefits by way of financial stability, but it also
Dr. D. Subbarao, Governor, Reserve Bank of India
Let me start by telling you about the motivation for the conference theme. 2. Failure of regulation, by wide agreement, was one of the main causes of the 2008 global financial crisis. It is unsurprising therefore that reforming regulation has come centre stage post-crisis. The progress in regulatory reforms over the last two years has been impressive, but the agenda ahead remains formidable. Regulation will bring in benefits by way of financial stability, but it also
నవం 14, 2011
Bank Resolution Framework Challenges in the Indian Context
On behalf of the Reserve Bank of India, let me once again extend a hearty welcome to all the delegates to this IADI-DICGC International Conference on the Role of Deposit Insurance in Bank Resolution Framework - Lessons from the Financial Crisis. Welcome also to this Sun City of Jodhpur - on the edge of the Thar Desert - a city of forts and palaces, lakes and gardens, and folklore and legend that represents - in its mellifluous blend of tradition and modernity - the be
Dr. D. Subbarao, Governor, Reserve Bank of India
On behalf of the Reserve Bank of India, let me once again extend a hearty welcome to all the delegates to this IADI-DICGC International Conference on the Role of Deposit Insurance in Bank Resolution Framework - Lessons from the Financial Crisis. Welcome also to this Sun City of Jodhpur - on the edge of the Thar Desert - a city of forts and palaces, lakes and gardens, and folklore and legend that represents - in its mellifluous blend of tradition and modernity - the be
నవం 14, 2011
Financial Inclusion and Financial Stability : Are they two sides of the same coin?
Presentation 1. It is always a pleasure to be a part of such a confluence of bankers and researchers on contemporary issues in banking and finance but to choose to speak on an area which needs to be either ‘wholesomely new’ or ‘extensively revised’ at such a forum becomes a challenge. I thank the organizers, the CMD of Indian Overseas Bank and the Chairman of IBA for offering me this opportunity to share my own thoughts on a topical issue that has engaged attention of
Shri Harun R Khan, Deputy Governor, Reserve Bank of India
Presentation 1. It is always a pleasure to be a part of such a confluence of bankers and researchers on contemporary issues in banking and finance but to choose to speak on an area which needs to be either ‘wholesomely new’ or ‘extensively revised’ at such a forum becomes a challenge. I thank the organizers, the CMD of Indian Overseas Bank and the Chairman of IBA for offering me this opportunity to share my own thoughts on a topical issue that has engaged attention of
నవం 11, 2011
Convergence of Mobile Banking, Financial Inclusion and Consumer Protection-Trend
Ms Ursula Menke, Commissioner , Financial Consumer Agency of Canada and Chair of the International Financial Consumer Protection Network (FinCoNet), distinguished participants, ladies and gentlemen. I thank the FinCoNet for including a special session on Financial Inclusion, Mobile Banking and Consumer Protection in today's agenda and inviting me to share the Indian perspective. Further, given the extent of financial exclusion that prevails in India where out of the 6
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Ms Ursula Menke, Commissioner , Financial Consumer Agency of Canada and Chair of the International Financial Consumer Protection Network (FinCoNet), distinguished participants, ladies and gentlemen. I thank the FinCoNet for including a special session on Financial Inclusion, Mobile Banking and Consumer Protection in today's agenda and inviting me to share the Indian perspective. Further, given the extent of financial exclusion that prevails in India where out of the 6
నవం 08, 2011
Gearing up for the Competitive Impulse in the Indian Banking in its defining decade
I: Introduction Dear Shri Narendra, CMD, Indian Overseas Bank and host of Bancon 2011, Shri M.D. Mallya, Chairman, Indian Banks Association and CMD, Bank of Baroda, Shri M.V. Nair, CMD, Union Bank of India, Shri S. Raman, CMD, Canara Bank, CMDs and EDs of other banks present here, fellow Bankers and all the delegates attending BANCON 2011, representatives of the print and electronic media, Ladies and Gentlemen. 2. It is my pleasure and privilege to be here to share my
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
I: Introduction Dear Shri Narendra, CMD, Indian Overseas Bank and host of Bancon 2011, Shri M.D. Mallya, Chairman, Indian Banks Association and CMD, Bank of Baroda, Shri M.V. Nair, CMD, Union Bank of India, Shri S. Raman, CMD, Canara Bank, CMDs and EDs of other banks present here, fellow Bankers and all the delegates attending BANCON 2011, representatives of the print and electronic media, Ladies and Gentlemen. 2. It is my pleasure and privilege to be here to share my
సెప్టెం 22, 2011
Impact of Global Financial Crisis on Financial Consumers – Global and Indian Perspective on Need for Consumer Protection – Role of Ombudsmen
Introduction Mr. Douglas Melville, Chairman INFO 2011, all the delegates attending the annual conference of INFO, Ladies and Gentlemen, It gives me immense pleasure to be here in British Columbia and particularly, Vancouver, the beautiful city and share my thoughts on a subject that has occupied centre stage ever since the global financial system has been hit by crisis leading to concerns being raised about the efficacy of laws, regulations and their implementation wi
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
Introduction Mr. Douglas Melville, Chairman INFO 2011, all the delegates attending the annual conference of INFO, Ladies and Gentlemen, It gives me immense pleasure to be here in British Columbia and particularly, Vancouver, the beautiful city and share my thoughts on a subject that has occupied centre stage ever since the global financial system has been hit by crisis leading to concerns being raised about the efficacy of laws, regulations and their implementation wi
ఆగ 29, 2011
Reflections on Regulatory Challenges and Dilemmas
Good Morning. It is indeed my privilege to be addressing you today in this Conference in which officials from industry and banking sector are participating. Today, I want to reflect on some of the challenges and dilemmas that we face as regulators of the banking system. A few of these challenges and dilemmas are in the context of the rapidly evolving regulatory landscape in the aftermath of the crisis, very aptly reflected in the theme of this Conference “Global banki
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Good Morning. It is indeed my privilege to be addressing you today in this Conference in which officials from industry and banking sector are participating. Today, I want to reflect on some of the challenges and dilemmas that we face as regulators of the banking system. A few of these challenges and dilemmas are in the context of the rapidly evolving regulatory landscape in the aftermath of the crisis, very aptly reflected in the theme of this Conference “Global banki
ఆగ 25, 2011
Banking, electronic payments and road ahead
Distinguished Ladies and Gentlemen 1. I am glad to be in your midst today to share my thoughts on “Banking, electronic payments and the road ahead”. In fact the subject of my address very well fits the theme of the conference “Global banking: Paradigm shift” and its emphasis on productivity excellence. I am sure the experts whom you would have heard and interacted with over the last two days would have shared their thoughts on the changes and challenges that banking i
Shri Harun R Khan, Deputy Governor, Reserve Bank of India
Distinguished Ladies and Gentlemen 1. I am glad to be in your midst today to share my thoughts on “Banking, electronic payments and the road ahead”. In fact the subject of my address very well fits the theme of the conference “Global banking: Paradigm shift” and its emphasis on productivity excellence. I am sure the experts whom you would have heard and interacted with over the last two days would have shared their thoughts on the changes and challenges that banking i
ఆగ 23, 2011
Corporate Governance of Banks in India In Pursuit of Productivity Excellence
For the third year in a row, it is my privilege to be addressing this joint conference of FICCI and IBA. I know both corporates and banks attach a lot of value to this conference, and so does the Reserve Bank. A joint forum of FICCI and IBA is an important platform for us in the Reserve Bank to share our views on topics of current relevance with two important segments of the economy - corporates and banks - which have a vital role in, and responsibility for, driving g
Dr. D. Subbarao, Governor, Reserve Bank of India
For the third year in a row, it is my privilege to be addressing this joint conference of FICCI and IBA. I know both corporates and banks attach a lot of value to this conference, and so does the Reserve Bank. A joint forum of FICCI and IBA is an important platform for us in the Reserve Bank to share our views on topics of current relevance with two important segments of the economy - corporates and banks - which have a vital role in, and responsibility for, driving g
ఆగ 12, 2011
Technology in Banking- In Pursuit of Excellence
Director IDRBT, Shri B Sambamurthy, faculty members and officers of IDRBT, officials from banks, members of the selection panel, my colleagues from Reserve Bank and all the other participants. It is indeed my privilege to be present here today to honour the recipients of the banking technology awards and deliver the key note address for the 7th edition of the awards. I am grateful to IDRBT for giving me this opportunity. My heartiest congratulations to all the winners
Shri Anand Sinha, Deputy Governor, Reserve Bank of India
Director IDRBT, Shri B Sambamurthy, faculty members and officers of IDRBT, officials from banks, members of the selection panel, my colleagues from Reserve Bank and all the other participants. It is indeed my privilege to be present here today to honour the recipients of the banking technology awards and deliver the key note address for the 7th edition of the awards. I am grateful to IDRBT for giving me this opportunity. My heartiest congratulations to all the winners
భారతీయ రిజర్వ్ బ్యాంక్ మొబైల్ అప్లికేషన్ను ఇన్స్టాల్ చేయండి మరియు తాజా వార్తలకు త్వరిత యాక్సెస్ పొందండి!
పేజీ చివరిగా అప్డేట్ చేయబడిన తేదీ: నవంబర్ 28, 2024
