Mr James Crabtree, Mumbai Correspondent, Financial Times and moderator for the session, my fellow panellists Mr Y.M. Deosthalee, CMD L&T Finance; Mr Ajai Kumar, CMD Corporation Bank; Mr M.V. Tanksale, CMD Central Bank of India; Mr R.V.
Verma, CMD National Housing Bank; Mr Ajay Desai, Chief Financial Inclusion Officer, Yes Bank and Mr Leonardo Rubattu, General Manager, Iccrea Banca; other important people sitting in the audience specially Dr Rana Kapoor, Founder, MD and CEO, Yes Bank and Mr James Lamont, Managing Editor, Financial Times; delegates to the conference; members of the print and electronic media, ladies and gentlemen.