(c)  Retaining/ Developing the People:  We may be able to get the most suited people for our work but then the challenge is to retain these people and to develop them. There are several dimensions to this issue such as training/ re-skilling of employees, performance measurement, promotion policy, transfer policy, talent management, communication, etc.
Only time will tell whether the adopted reforms have the intended run-damping effects, but if they do, capital will be much less necessary. Some may raise concerns that increased regulation of nonbanks will only increase moral hazard and increase risk to the system on net. But moral hazard may already be present.