A very basic and core issue for the Indian banking system and that is the challenge of achieving Financial Inclusion. Without being inclusive, financial and economic stability cannot be sustainable. First issue staring in the face of banking industry is capital. Even though reasonably well...

The importance of non-financial reporting in the overall assessment of a company's performance, its risk-return trade off is steadily gaining ground, both globally and in India. [Address by Dr K. C. Chakrabarty, Deputy Governor, RBI at National Conference on “ Non-Financial Reporting and...

The Indian economy reached the trillion US dollar GDP milestone in 2007 and joined other countries of the trillion dollar club, namely, the US, UK, Japan, Germany, China, France, Italy, Spain, Canada, Brazil and Russia. In fact, over the period 1960 to the late 1980s, India’s GDP in US...

Certain trends in agricultural productivity, agricultural finance are outlined. Recommendations for improving agricultural productivity are given here. [Address at The National Seminar on Productivity in Indian Agriculture at CAB, Pune]. URL:[http://rbi.org.in/scripts/BS_SpeechesView.aspx?Id=596].

Statistics is used in our day to day life. Examples are there to show that statistics is misused in many. This can happen when people are information illiterate. [Address at DST-CIMS, BHU on Mar 20, 2012 as part of the 150th Birth Aniversary Celebrations of Mahanama Pandit Madan Mohan Malviya].

Asset quality of banks has come under increasing pressure with rising NPAs and Restructured loans. The Gross NPA ratio for the banking system, which was 2.4% in March 2011, increased to 3.6 per cent by September 2012. Having seen the challenges before the Indian banking system, what are our...

The focus should be to simplify the technology which can operate on any platform. The technology solution to the business needs should be user-friendly without much third-party or IT vendor intervention or support requirement for operating the same. In this context, the banks need to redesign...

What is m-banking, Basic characteristics of m-commerce/e-commerce, Evolution of electronic financial services (e-banking/e-commerce/m-banking/m-commerce), Role of non-banks in Indian Payment Scenario. [Address at the India Telecom 2009 Conference organized by Department of Telecom, Government of...

The speech covers the macro setting for GenNext banking by way of discussing the demographic composition of India’s population and the nexus between low dependency ratio and saving. It also provides a projection of Housing and Education Loan requirement in the economy in the next few...