With regard to the concentration in the banking system, the Supervisor of Banks is working to make it easier to move from one bank to another, which should have a direct beneficial effect on customers.
*  *  *  The speaker acknowledges the contributions of Shri G Srinivas, Shri Subhas Chand and Shri. Surajit Bose of Reserve Bank of India. 1. Distinguished delegates to the FIBAC 2012, ladies and gentlemen.