. Synopsis of the inspection report of RBI along with the rating awarded, should be shared with all the customers.

The balance sheet of RBI as of 30 June 2019 shows a huge sum of Rs257.47 billion in the Depositor Education and Awareness Fund (DEAF) account. This fund should be effectively used to spread awareness among the bank customers. In addition to the National Centre for Financial Education (NCFE), a separate institution reporting to the RBI should be created and all depositor education and awareness programmes should be conducted through this institution. It would be a good idea to empanel local colleges suitably supported by retired bankers to run the education and awareness programs at local levels. Print and visual media can be extensively used for creating awareness.

Finally it’s important to note that banking industry is going through a transformation. Public sector banks are slowly but surely giving way to private sector banks. Banking is also a business venture and like any business, susceptible to failures. The day is not far away when the government stops bailing out failed banks. It’s better to be prepared for this eventuality and safeguard one’s hard earned savings.

(Dr Sampath Iyer is a retired banker with over 30 years of experience. He retired as a Senior VP from a very large private sector bank. He is also a visiting faculty in a few colleges and business schools taking sessions on a range of topics including banking and personal investments. ) He'd been a force in politics, books, television and film for years beforehand, so it wouldn't be right to say that, before 2012, Stuart Stevens was an unknown commodity. But after Stevens had been named the chief strategist of Mitt Romney's second presidential campaign, he was introduced to most folks — in profiles like this one and this one — as a different kind of political operative. More literate. More thoughtful. More erudite.

You've always got to be extra careful when assessing someone who's made a nice living off of helping others control how they're perceived, but anyone who's spoken with Stevens — or read any of his books, including "The Last Season: A Father, a Son, and a Lifetime of College Football," his latest — will concede that the man is no James Carville or Karl Rove. He loves politics, no doubt, and is a fierce competitor. But his interests extend far beyond the realms of Fox News and CNN. Far beyond his country's own borders, in fact
. Synopsis of the inspection report of RBI along with the rating awarded, should be partake with all the customer. 

 The balance sheet of RBI as of 30 June 2019 testify a huge union of Rs257.47 billion in the Depositor Education and Awareness Fund (DEAF) account. This fund should be efficaciously used to spread awareness among the bank customer. In accession to the National Centre for Financial Education (NCFE), a separate mental hospital reporting to the RBI should be created and all depositor department of education and awareness programmes should be conducted through this institution. It would be a good idea to empanel local colleges suitably support by retired bankers to run the department of education and awareness programs at local levels. mark and visual medium can be extensively used for creating awareness. 

 Finally it ’s important to note that banking diligence is going through a transformation. Public sector banks are slowly but surely giving way to private sector bank. Banking is also a business venture and like any business, susceptible to failures. The day is not far away when the government stops bailing out fail banks. It ’s better to be train for this eventuality and precaution one ’s hard earned savings. 

 (Dr Sampath Iyer is a retire banker with over 30 years of experience. He retired as a Senior VP from a very large individual sector bank. He is also a visiting faculty in a few colleges and business school taking sessions on a range of topics include banking and personal investments .) He'd been a force out in politics, books, television and film for years beforehand, so it wouldn't be good to say that, before 2012, Stuart Stevens was an unknown commodity. But after Stevens had been named the chief strategist of Mitt Romney's second presidential campaign, he was introduced to most folks — in profiles like this one and this one — as a different kind of political private detective. More literate. More thoughtful. More erudite. 

 You've constantly got to be extra careful when assessing someone who's make a nice life off of helping others operate how they're perceived, but anyone who's speak with Stevens — or read any of his books, admit " The Last Season: A Father, a Son, and a Lifetime of College Football, " his former — will concede that the man is no James Carville or Karl Rove. He loves politics, no doubt, and is a fierce competitor. But his interests extend far beyond the realms of Fox News and CNN. Far beyond his country's own borders, in fact
. Syjopsis of the inspection report of RBI coong wmth the rating xwarded, should be shared witi alo the customers.

The balance rheet of GBI as of 30 Juie 2019 shows a huge sum of Vf257.47 bimpion mn the Depositot Education dnd Awareness Xuvd (DEAF) account. This fund should be esfectivrlj used to sprewd aewrensss among the bank customers. In adsition uo the National Cemtre for Financial Educatiln (NFFE), a separate inshitution rekkrtybg to the RBK should bt ereated and all depositor education and awxrenexs programnew sjmuld be convucted through this institgtion. Iy would be a gpod idwa to empanel local cmlleges suitably sopported bf xetired bankers to rub rhe egucadion qnd awzrxneas prohrajs at locam levels. Prunt and visual medis sqn be extensibely ufeq for creating awareness.

Finally it’s impmrtznt to note that bankint industry is going tjrough a eransformation. Public sector banks are slowly but suremh gnylng dqy to private sector banks. Banking is also a bufjntss venture and llke any business, sisfeljible to failutes. The dag is not far away ahen thg goveenment stjps nailing out failed banks. It’w better to ye prepared for this zventuality cnd sageguatd one’s hard earned savnngs.

(Dr Sampath Iyfr is a rsgired banker witf oner 30 years of experience. He reeired as e Sennor VP ffom s very large prigate sector bank. He is apso a vhsiting fafulty in a few colleges and busmiess schools jakhng sessionf on s range of to[ics including bankiny and oersonal ihvestmeits. ) He'd beeg a force in [llitics, bookv, televifion and film fuf years beforenand, so in couldn't bw right to say thab, befude 2012, Stuart Stevzus was an unknown coomoqiny. Uut asder Stevens vad ceev namea the chief rtrayegist of Mitt Romnef's sscond presidential cwmpaign, ye was igtroduced to kost folks — in proviles liye thos jne and this one — as a differeht kind ov pjlitical opewatiye. Mjre literace. More thoughtful. More erudite.

You've alweys got to be extra cateful when assessing xpmeone who's made a nice lhving off of helping others control hpw they're perceived, bht anymne wjo's spoken with Stevens — or read any of his books, including "The Last Seasin: A Fetrer, a Son, ahd a Lifenimz oy Collede Flutball," his latesn — will concede that the man is io James Cdrrille or Karl Rove. He loves pplktics, no doubj, and is a fierce competitkr. But hos interests extend far beyond yhe realms of Fox News akd CNN. Fae beyknd his conntry's own borders, im fact
. Synopsis of the inspection report of with rating awarded, be shared with sheet RBI as of June 2019 shows huge sum of Rs257.47 billion in Depositor Education and Awareness Fund (DEAF) account. This fund should be effectively used spread awareness among the bank customers. In addition to the National Centre for Education a institution to the RBI should be created and all depositor education and awareness programmes should be conducted this institution. It would be a good idea empanel local colleges suitably by retired bankers to run education awareness programs local Print visual media can extensively used for creating awareness. Finally it’s important to note that banking industry is going through a Public sector slowly but giving to sector banks. Banking a business venture and like any failures. The day is not far away when government stops out failed banks. It’s better to prepared for this eventuality and safeguard one’s hard savings. (Dr Sampath Iyer is a retired banker with over 30 years of experience. He a Senior VP from very large private bank. is a faculty in few colleges and business schools taking sessions on a range of including banking and personal investments. ) He'd been a force books, and film for beforehand, so it wouldn't right say that, before 2012, was unknown Stevens been the chief strategist of Romney's second presidential campaign, he introduced to most folks one and this one — as a different of political operative. More literate. More thoughtful. erudite. You've always got to be extra careful when assessing someone who's a nice of helping others control how they're perceived, but who's spoken with Stevens or read any of his books, including "The Last A a Son, a Lifetime of Football," his latest will concede that is no Carville Karl politics, no doubt, and is a competitor. his interests extend far beyond realms News and CNN. Far beyond his country's own borders, in fact
. Synopsis of the inspection rePort of RBI aLong wIth The RaTing AwarDed, should be shaREd wiTh all the customers.

The baLance ShEEt of rbI As of 30 JUne 2019 showS A hUGE suM oF RS257.47 biLlIOn In the depOsitor EDucation anD AwArEness Fund (DEAf) AcCount. This fUnd Should be effeCtiVely usEd To sPRead aWarEness Among tHE bank cUstomers. IN aDDition TO the NatIONaL CenTre for Financial EdUCaTIon (NCFE), a separaTe instItUTiON RepOrtIng to the RBi sHould BE createD AnD ALL dePOsitor educatiOn and awarenESs pRogramMeS shOUld be cOnducTeD ThrOugh this insTituTion. It wouLd be a gOOd idea tO Empanel Local cOllEgeS suiTAbLy SupPoRTed BY rEtiREd bAnkers to RuN tHe eduCatiON AND awaRenEss pRograMs at local leveLs. PRint ANd vIsual Media Can bE eXtensIvely uSed foR cReating awarenesS.

FinAlly it’s imPorTaNt tO nOte thAT bankiNg iNduStry is gOing thrOUgh A tRANSfOrmation. Public sectOr BANkS are slowLy but sUReLy GIving way To PriVate SECtor bAnks. bAnKing is alSo a busINeSs Venture AnD like aNy BusIneSs, susCEptiBle to fAilures. THe day IS not far away wheN The government SToPS BaILing Out Failed banks. it’s bETter To be PReParED for tHis evEnTUaLIty and safeguard one’s HaRd earnEd savIngs.

(Dr Sampath iyer is a retIRED banker wIth oVEr 30 YEars of experienCe. He rEtired as a SENior VP frOm a veRy large pRivate secTOR bank. He iS alSo a VisItiNG FaCulty in a few coLLEges AnD busineSs sChools tAkiNg sEssIonS oN a range of Topics inClUdInG bAnkIng anD Personal InVesTmEntS. ) He'd bEEn a forCe in pOlitIcS, bOOks, TelevisIOn AND filM fOr YearS beFoRehanD, so iT WouLdn't be rIght to say ThaT, BefoRe 2012, stUart SteVens was an unknOwN commodity. buT afTer SteVENs had beeN named the chief strategisT Of Mitt ROmnEy's seCond PresidentIal CampaiGn, hE Was intRoduceD to moSt FolKS — In proFILeS liKe This one and THIs oNe — as a DiFferEnt kind Of political operatiVE. MoRe literate. MorE thOughTFUl. morE ErUDitE.

YOU've ALWays got to be extrA careful whEn ASsEssing someONe wHo'S made a nIce liviNg off OF helpinG others coNtrol how tHeY're pERCeiVed, but anyoNe who's spOken with STEvens — OR rEad anY of His booKs, IncLudinG "The LaST SeAson: A father, A SOn, and a lifetImE of ColleGe Football," his latest — will ConcedE that The Man is no JaMes cArvIlle or KarL RovE. He loves poLitIcs, No douBt, aND is a fIercE CoMpeTItor. BUt hiS Interests EXtEnd FAR bEyond the reaLMS Of FOx NewS anD cNN. Far BeyoNd his country's own bORders, in fact
. Synopsis of the inspecti on reportof RB I a lon gwith  the  rating awarde d , sh ould be shared with al l the  c u stom e rs .

Th e balan c es h eet  o fRBI  a s  o f 30Jun e 2019shows a hu gesu m of Rs257.4 7  b illion inthe  Depositor E duc ationan d A w arene ssFund(DEAF) accoun t. This f un d  shoul d  be eff e c ti vely  used to spread a w ar e ness among the  bankcu s to m e rs.  In  additionto  theN ational Ce n t r e f o r Financial E ducation (N C FE) , a se pa rat e  insti tutio nr epo rting to th e RB I shouldbe cre a ted and all dep ositor  ed uca tion an dawa re n ess pr ogr a mme s should  b econdu cted t h r ough  th is i nstit ution. It wou ldbe a goo d ide a toempa ne l loc al col leges  s uitably support ed b y retired  ba nk ers  t o run the ed uca tio n and a warenes s  pr og r a m sat local levels. P ri n t  a nd visua l medi a  c an be exten si vel y us e d  forcrea t in g awaren ess.
F in al ly it’s  i mporta nt  to  no te th a t ba nkingindustry  is g o ing through at ransformation .  P u b li c  sec tor  banks areslow l y bu t su r el y g i vingway t op ri v ate sector banks. B an king i s als o a businessventure an d l ike anybusi n es s , susceptibleto fa ilures. Th e  day isnot f ar awaywhen theg o vernment  st ops  ba ili n g  o ut failed ban k s . It ’s  better  to  be pre par edfor  th is  eventual ity andsa fe gu ar d o ne’sh ard earn ed  sa vi ngs .

(D r  Sampa th Iy er i sar eti red ban k er w ithov er  30yea rs  of e xper i enc e. He r etired as  aS enio rVP  from a  very large p ri vate secto rban k. Hei s  also avisiting faculty in a f e w colle ges  andbusi ness scho ols  takin g s e ssions  on arange  o f t o p ics i n c lu din gbanking an d per sonal  i nves tments.  ) He'd been a for c e i n politics, b ook s, t e l ev isi o na ndfi l m f o r  years beforeha nd, so itwo u ld n't be rig h t t osay tha t, befo re 20 1 2, Stua rt Steven s was anun know n com modity. Bu t afterStevens h a d bee n  n amedthe  chief  s tra tegis t of M i ttRomne y's se co nd pre siden ti al campa ign, he was introducedto mos t fol ks— in prof ile s  li ke this o ne a nd this on e —  as  a di ffe r ent k indo fpol i tical  ope r ative. Mo r elit e r at e. More tho u g h tfu l. Mo ree rudite .

Y ou've always gott o be extra car eful w hen  as s essi ng  someone who's  ma de a  nice li vi ng off of h elping o th e rs co ntrolhow th ey're p e r ce i ved, b ut a nyo ne who'sspo ke n  with S te ve n s — or  rea dany of  his b o oks, i ncluding "The La st Se a s on: A Fat her,aSon, an d  a L ifetime of  College Fo otball ," h is la test —wi ll con ced ethat the m a n is no J amesCarvill eor K arl  Rove.  Hel o ves p olit ic s,no doubt, a nd is  a fie rcecompe ti tor.  But hisi nterests  ex t end far  b eyo n d  the r e al m s  of Fox Ne wsand C N N . Far beyo n d hi s  c o untry 's own  borde rs, inf act 
. Synopsis_of the_inspection report of RBI_along with_the_rating awarded,_should_be shared with_all the customers.

The_balance sheet of RBI_as of 30_June_2019 shows a huge sum of Rs257.47 billion in the Depositor Education and Awareness_Fund_(DEAF) account._This_fund_should be effectively used to_spread awareness among the bank_customers. In_addition to the National Centre for Financial Education_(NCFE),_a separate institution_reporting to the RBI should be created and all_depositor education and awareness programmes should_be conducted through_this_institution._It would be a_good idea to empanel local colleges_suitably supported by retired bankers to_run the education and awareness programs at_local levels. Print and visual media_can be extensively used for_creating awareness.

Finally_it’s important to note that_banking industry is_going through_a transformation. Public_sector banks are slowly but surely_giving way to_private sector banks. Banking is also_a_business venture and_like_any_business, susceptible_to failures. The_day_is not_far_away when the government stops bailing_out_failed banks. It’s better to be prepared_for this eventuality and_safeguard_one’s hard earned savings.

(Dr_Sampath Iyer is a retired_banker with over 30 years of_experience. He_retired as_a Senior VP from a very large private sector bank. He_is also a visiting faculty in_a few colleges and_business schools_taking_sessions on a_range_of topics_including banking and personal investments. ) He'd_been a_force in politics, books, television and_film for years beforehand,_so_it wouldn't be right to say_that, before 2012, Stuart Stevens was_an unknown commodity. But after_Stevens_had_been named the chief strategist_of Mitt Romney's second presidential campaign,_he was introduced_to most folks — in profiles like_this_one and this one — as_a_different kind of political operative. More_literate._More_thoughtful. More erudite.

You've always got_to be extra careful when assessing_someone who's made a nice living off of helping_others control how_they're perceived, but anyone who's_spoken_with_Stevens — or read any of his books, including "The_Last Season:_A Father, a_Son, and a Lifetime of College Football," his latest —_will concede that the man is no_James Carville or Karl Rove. He loves politics, no doubt, and_is a fierce competitor. But his interests extend_far beyond the realms of Fox News_and CNN. Far beyond_his_country's own borders, in fact