Third, in respect of risk management, areas yet uncharted by Indian banks include dynamic estimation of cash flow profile and risk profiles, adoption of risk-adjusted return on capital framework of pricing, etc.
All of us, all the time, are complaining about all the things that are wrong in our community, in our society and in our country. We want things to change. Just “wanting” is not good enough. We, each of us needs to be a change agent. And as Mahatma Gandhi said, we need to be the change that we desire.