Risk awareness has to spread bank-wide, the manner of doing business that measures risk adjusted returns needs to permeate the system. Top management and the Human Resource Development Policy of banks thus need to get tuned  4  BIS central bankers’ speeches  to this requirement.
We in the Reserve Bank also need to hone up our skills in regulating and supervising banks under the new system. We see this as an ongoing process and are continuously working towards skill improvement. Governance 18. One can have the capital, the liquid assets and the infrastructure.