*  *  *  Dr. Khandelwal, Mr. Rao and distinguished friends, I am happy to be here with the banking fraternity to participate in the Bankers’ Conference 2007. I find that there are several conference papers which are of high quality.
Allow me to take this opportunity to thank those of you who have provided comments on our consultation paper. We plan to publish a report on 24 May 2019 reflecting key takeaways from the public consultation process, together with our responses and adopted positions in respect of the reforms.