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This book is a compilation of Shri R.K. Talwar Memorial Lectures. It covers the lectures from 2007 to 2021, organised by the Indian Institute of Banking and Finance in association with the State Bank of India. This book will be helpful for bankers & other professionals from every field. The detailed contents of the book are as follows: (1) The Indian Banking System – Challenges Ahead (i) By Dr C. Rangarajan, Former Governor, Reserve Bank of India & Former Chairman, Economic Advisory Council to the Prime Minister (2) Human Resource as a Key Driver in Indian Banking (i) By Shri Vinod Rai (Former IAS), Former Comptroller & Auditor General of India (3) Capital and Citizenship: Challenges and Opportunities before Financial Inclusion (i) By Smt. Elaben Bhatt, Founder, Self Employed Women's Association (SEWA) (4) The Future of Financial Regulation: Some Reflections (i) By Dr Rakesh Mohan, Former Chairman, National Transport Development Committee Planning Commission, Government of India (5) The Future of Finance in India (i) By Shri N. Vaghul, Former Chairman, ICICI Bank Ltd. (6) Growth, Poverty and Economic Transformation in India (i) By Dr. Arvind Panagariya, Former Vice Chairman, NITI Aayog (7) Castles in Sand: India and the Tide of Globalization (i) By Dr Ashish Nanda, Former Director, Indian Institute of Management, Ahmedabad (8) The Unfinished Agenda: Restoring Public Sector Bank Health in India (i) By Dr Viral V. Acharya, Former Deputy Governor, Reserve Bank of India (9) The Reform Agenda (i) By Dr Bibek Debroy, Chairman, Economic Advisory Council to the Prime Minister (EAC-PM) (10) Beyond Risk: Policy Making for an Uncertain World (i) By Shri Sanjeev Sanyal, Principal Economic Adviser, Ministry of Finance, Government of India (11) India's Covid Response (i) By Dr Krishnamurthy V. Subramanian, Former Chief Economic Adviser, Government of India