*  *  *  Inputs from Dr Anil K Sharma and Smt Nikhila Koduri are gratefully acknowledged. 1. I would like to thank IDRBT for inviting me to address you on the above topic.
I must appreciate IDRBT for choosing this topic for the Seminar and inviting Directors of Indian banks, as all the issues chosen for the Seminar are very relevant today for banking. 2.