The overall banking sector’s exposure to housing loans being relatively small, adverse developments may not have any systemic implications on the banking sector. Not easily quantifiable strengths •  First, a vast pool of science and technology graduates and the millions who are familiar with English language are sources of strength for the emerging India so far.
The familiarity with multiple languages in India prepares the people to adapt better to multi-cultural situations, making it easier for them to fit into international systems very smoothly. There is also recognition of the need to maintain and enhance quality of research and skills.