But over a longer period of time international  BIS Review 14/2005  1  borrowing kept close to zero stabilizes a country's ratio of international obligations to its gross domestic product (GDP).1 When this liability ratio is stable, a nation's saving is implicitly financing most of its domestic investment.
Though the global financial system has witnessed crises, one after the other in quick succession, our learnings from each crisis have been short-lived. The imperative need for customer centricity and adherence to standards has often been recognized, but has been lost in the rush for short term business gains. Let me give some common examples of unfair treatment to customers: 11.