R Gandhi: Growing NPAs in banks – efficacy of ratings accountability and transparency of credit rating agencies Speech by Mr R Gandhi, Deputy Governor of the Reserve Bank of India, at the Conference conducted by ASSOCHAM (Associated Chambers of Commerce and Industry of India), New Delhi, 31 May 2014. *  *  *  Assistance provided by Shri D.R.
Dogra and Shri Nethaji B is gratefully acknowledged. Shri Jajodia, Shri Narang, Shri Dubey, Shri Kulkarni, Shri Dogra, Shri Khanna, Shri Pathak, other distinguished speakers, Ladies and Gentlemen, a very good morning to everyone!