IST,
खोजें
errorSearch
पृष्ठ
भारतीय रिज़र्व बैंक की आधिकारिक वेबसाइट
भाषण और इंटरव्यू
भाषण और मीडिया से वार्तालाप
डिजिटल भुगतान पर गवर्नर का मैसेज
डिजिटल भुगतान पर गवर्नर का मैसेज
डिजिटल भुगतान पर गवर्नर का मैसेज
भाषण
अक्तूबर 09, 2012
टेक्नो बैंकिंग - संभावनाएं और चुनौतियां, जी. पद्मनाभन
Distinguished ladies and gentlemen, I am honoured to be invited to deliver the key note address at the 6th edition of the ET Banking Technology Conclave. I am also thankful to the organizers for their kind gesture in asking me to deliver the inaugural rather than the valedictory address, as originally intended. I was rather apprehensive of delivering a valedictory address in a Seminar like this, since-drawing a cricket analogy- it would be like going in as the last ma
श्री जी पद्मनाभन, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
Distinguished ladies and gentlemen, I am honoured to be invited to deliver the key note address at the 6th edition of the ET Banking Technology Conclave. I am also thankful to the organizers for their kind gesture in asking me to deliver the inaugural rather than the valedictory address, as originally intended. I was rather apprehensive of delivering a valedictory address in a Seminar like this, since-drawing a cricket analogy- it would be like going in as the last ma
अक्तूबर 09, 2012
भारतीय अर्थव्यवस्था में आशा की किरण, हारुन आर खान
Dr. Debashis Sanyal, Dean, Dr. Vrinda Kamat, Chairperson – MBA Banking, Faculty and students of the School of Business Management, NMIMS University, Shri. M G Sanghvi, Chairman & Managing Director, Syndicate Bank, Shri S K Jain, Executive Director, Bank of Baroda, distinguished invitees, ladies & gentlemen. It is a great pleasure to be amongst budding management professionals and corporate leaders of tomorrow. In the period of gloom and doom for the world in g
श्री हरुण आर खान, उप गवर्नर, भारतीय रिज़र्व बैंक
Dr. Debashis Sanyal, Dean, Dr. Vrinda Kamat, Chairperson – MBA Banking, Faculty and students of the School of Business Management, NMIMS University, Shri. M G Sanghvi, Chairman & Managing Director, Syndicate Bank, Shri S K Jain, Executive Director, Bank of Baroda, distinguished invitees, ladies & gentlemen. It is a great pleasure to be amongst budding management professionals and corporate leaders of tomorrow. In the period of gloom and doom for the world in g
सितंबर 27, 2012
समावेशी वृद्धि हासिल करना : नए युग की चुनौती दुव्वुरी सुब्बाराव
On behalf of the Reserve Bank of India, I have great pleasure in welcoming Hon’ble Mr. Tharman Shanmugaratnam, Deputy Prime Minister of Singapore, who will shortly be delivering the L.K. Jha Memorial Lecture. 2. I also have pleasure in acknowledging the presence here of members of the family of late Dr. L.K. Jha - Smt. Dipika Maharaj Singh, Smt. Sharika Glover and Kiron Glover. Your presence here means a lot to us. Thank you very much. A warm welcome, of course, to al
डॉ. डी. सुब्बाराव, गवर्नर, भारतीय रिज़र्व बैंक
On behalf of the Reserve Bank of India, I have great pleasure in welcoming Hon’ble Mr. Tharman Shanmugaratnam, Deputy Prime Minister of Singapore, who will shortly be delivering the L.K. Jha Memorial Lecture. 2. I also have pleasure in acknowledging the presence here of members of the family of late Dr. L.K. Jha - Smt. Dipika Maharaj Singh, Smt. Sharika Glover and Kiron Glover. Your presence here means a lot to us. Thank you very much. A warm welcome, of course, to al
सितंबर 23, 2012
खाद्य मुद्रास्फीति और कृषि आपूर्ति शृखंला प्रबंधन हारून आर.खान
1. Shri Kailash Singh, Managing Director, Tefla’s, Shri Ramesh Abhishek, Chairman, Forward Market Commission, Dr. D. Bhalla, Joint Secretary, Department of Food and Public Distribution, Government of India, Shri. Sushil Goenka and Vijay Datta of the Solvent Extractors’ Association of India, Shri. Sandeep Bajoria, Chairman, Globoil Organising Committee, Shri. Dinesh Shahra, Dr. B. V. Mehta and other leaders from the edible oil and agri-commodity trade industries, and d
श्री हरुण आर खान, उप गवर्नर, भारतीय रिज़र्व बैंक
1. Shri Kailash Singh, Managing Director, Tefla’s, Shri Ramesh Abhishek, Chairman, Forward Market Commission, Dr. D. Bhalla, Joint Secretary, Department of Food and Public Distribution, Government of India, Shri. Sushil Goenka and Vijay Datta of the Solvent Extractors’ Association of India, Shri. Sandeep Bajoria, Chairman, Globoil Organising Committee, Shri. Dinesh Shahra, Dr. B. V. Mehta and other leaders from the edible oil and agri-commodity trade industries, and d
सितंबर 21, 2012
गतिशील प्रावधानीकरण की अंतर्निहित अवधारणाएं और सिद्धांत बी.महापात्र
Thank you very much for inviting me to this conference to share with you my understanding of the underlying concepts and principles of dynamic provisioning. A discussion paper on the subject was brought out by the Reserve Bank of India (RBI) in March 2012. We are still in the process of examining the comments received from banks and other stakeholders and it may take us a while to finalise anything in this regard. Why make provisions? 2. Let me start the discussion wi
श्री बी. महापात्र, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
Thank you very much for inviting me to this conference to share with you my understanding of the underlying concepts and principles of dynamic provisioning. A discussion paper on the subject was brought out by the Reserve Bank of India (RBI) in March 2012. We are still in the process of examining the comments received from banks and other stakeholders and it may take us a while to finalise anything in this regard. Why make provisions? 2. Let me start the discussion wi
सितंबर 20, 2012
कर्ज बाजार के विकास में राज्य की भूमिका, हारुन आर खान
Presentation Mr. Robert Sheehy, Mr. Coskun Cangoz, Mr Jin Myung Kim, Mr Otavio Ladeira de Medeiros, Mr. Thordur Jonasson and distinguished participants. It is a great pleasure to be in the city of Doha and share my thoughts with such a distinguished gathering in the Conference jointly organized by the Qatar Central Bank and the International Monetary Fund. I am particularly thankful to Mr Abdulla Bin Saud Al-Thani, Governor, Qatar Central Bank and Mr. Ananthakrishnan
श्री हरुण आर खान, उप गवर्नर, भारतीय रिज़र्व बैंक
Presentation Mr. Robert Sheehy, Mr. Coskun Cangoz, Mr Jin Myung Kim, Mr Otavio Ladeira de Medeiros, Mr. Thordur Jonasson and distinguished participants. It is a great pleasure to be in the city of Doha and share my thoughts with such a distinguished gathering in the Conference jointly organized by the Qatar Central Bank and the International Monetary Fund. I am particularly thankful to Mr Abdulla Bin Saud Al-Thani, Governor, Qatar Central Bank and Mr. Ananthakrishnan
सितंबर 17, 2012
भारतीय अर्थव्यवस्था : दूसरी पीढ़ी के सुधारों की अनिवार्यता के.सी.चक्रवर्ती
Dr. Suresh Kotak, Chairman, Kotak and Co. Ltd.; Dr. J. Phadnis, Principal of the VES College of Arts, Science and Commerce; Shri B.L. Boolani, Trustee In-charge; Dr. Suniti Nagpurkar, Head of the Economics Department and Convener of the Seminar, Mrs. Dipta Dasgupta, my old friend from the Banaras Hindu University; faculty members and students participating in the Seminar, Ladies and Gentlemen. It is, indeed, a matter of great pleasure and privilege for me that I have
डॉ. के.सी. चक्रवर्ती, उप गवर्नर, भारतीय रिज़र्व बैंक
Dr. Suresh Kotak, Chairman, Kotak and Co. Ltd.; Dr. J. Phadnis, Principal of the VES College of Arts, Science and Commerce; Shri B.L. Boolani, Trustee In-charge; Dr. Suniti Nagpurkar, Head of the Economics Department and Convener of the Seminar, Mrs. Dipta Dasgupta, my old friend from the Banaras Hindu University; faculty members and students participating in the Seminar, Ladies and Gentlemen. It is, indeed, a matter of great pleasure and privilege for me that I have
सितंबर 13, 2012
अग्रिमों की पुनर्रचना के वर्तमान विवेक सम्मत दिशानिर्देशों की समीक्षा के लिए गठित कार्य दल की सिफारिशों की मुख्य-मुख्य बातें और उनका औचित्य बी.महापात्र
I am indeed grateful to the CAFRAL for inviting me here to discuss the highlights and rationale of the recommendations of the working group to review the existing prudential guidelines on restructuring of advances by banks and financial institutions, which I chaired. The working group was represented by eminent bankers, accountants, rating agency, Indian Banks’ Association (IBA) and the Reserve Bank of India (RBI). The working group submitted its report to the RBI on
श्री बी. महापात्र, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
I am indeed grateful to the CAFRAL for inviting me here to discuss the highlights and rationale of the recommendations of the working group to review the existing prudential guidelines on restructuring of advances by banks and financial institutions, which I chaired. The working group was represented by eminent bankers, accountants, rating agency, Indian Banks’ Association (IBA) and the Reserve Bank of India (RBI). The working group submitted its report to the RBI on
सितंबर 12, 2012
वैकल्पिक भुगतान माध्यम - प्रीपेड कार्ड : मुद्दे और चुनौतियां जी.पद्मनाभन
Distinguished ladies and gentlemen, 1. I am happy to be in your midst today and share some thoughts with you on the future roadmap of the Indian payments system. I have had the pleasure of interacting with the industry participants in similar conferences organised by IAMAI twice in the past. Since then, several developments have taken place which I firmly believe will result in a greater role to the assembled stakeholders in the Indian payments industry. 2. The enactm
श्री जी पद्मनाभन, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
Distinguished ladies and gentlemen, 1. I am happy to be in your midst today and share some thoughts with you on the future roadmap of the Indian payments system. I have had the pleasure of interacting with the industry participants in similar conferences organised by IAMAI twice in the past. Since then, several developments have taken place which I firmly believe will result in a greater role to the assembled stakeholders in the Indian payments industry. 2. The enactm
सितंबर 11, 2012
वित्तीय स्थिरता: 2007 से 2012 तक-पांच वर्ष आनंद सिन्हा
Mr. D. Sarkar, CMD, Union Bank of India, Mr. Pratip Chaudhuri, Chairman, State Bank of India, senior members of the banking fraternity, delegates to the Conference, members of the print and electronic media and other distinguished guests. It is my privilege to be here in FIBAC 2012 whose theme is “Sustainable excellence through customer engagement, employee engagement and right use of technology”. FIBAC is an important forum for serious deliberations on banking sector
श्री आनंद सिन्हा, उप गवर्नर, भारतीय रिज़र्व बैंक
Mr. D. Sarkar, CMD, Union Bank of India, Mr. Pratip Chaudhuri, Chairman, State Bank of India, senior members of the banking fraternity, delegates to the Conference, members of the print and electronic media and other distinguished guests. It is my privilege to be here in FIBAC 2012 whose theme is “Sustainable excellence through customer engagement, employee engagement and right use of technology”. FIBAC is an important forum for serious deliberations on banking sector
सितंबर 05, 2012
Turmoil in Global Economy: The Indian Perspectives
1. Shri Rajendra Kumar Das, Host Branch Chairman, Shri. Prashant Panda, Organizing Committee Chairman and the office bearers of the National & Branch Managing Committees of the Institute of Chartered Accountants of India (ICAI), Shri. Jugal Kishore Mahapatra, Principal Secretary, Finance, Government of Odisha, distinguished delegates from across the country, ladies and gentlemen. I am very happy to be invited to this important conference being organized by the ICA
Shri Harun R Khan, Deputy Governor, Reserve Bank of India
1. Shri Rajendra Kumar Das, Host Branch Chairman, Shri. Prashant Panda, Organizing Committee Chairman and the office bearers of the National & Branch Managing Committees of the Institute of Chartered Accountants of India (ICAI), Shri. Jugal Kishore Mahapatra, Principal Secretary, Finance, Government of Odisha, distinguished delegates from across the country, ladies and gentlemen. I am very happy to be invited to this important conference being organized by the ICA
सितंबर 05, 2012
भारत में मोबाइल बैंकिंग को ग्राहकोन्मुख बनाना: मुद्दे और चुनौतियां हारून आर.खान
Presentation Distinguished delegates to the FIBAC 2012, ladies and gentlemen. As I was reading the theme of the conference “Sustainable Excellence through engaged customers, employees and right use of technology” three words (sustainable, engaged and right use) helped me to decide how I can use this opportunity to relate with all the stakeholders of the payment system industry to introspect the issues and challenges confronting customization of mobile banking in India
श्री हरुण आर खान, उप गवर्नर, भारतीय रिज़र्व बैंक
Presentation Distinguished delegates to the FIBAC 2012, ladies and gentlemen. As I was reading the theme of the conference “Sustainable Excellence through engaged customers, employees and right use of technology” three words (sustainable, engaged and right use) helped me to decide how I can use this opportunity to relate with all the stakeholders of the payment system industry to introspect the issues and challenges confronting customization of mobile banking in India
सितंबर 05, 2012
प्राथमिकता प्राप्त क्षेत्र को ऋण संबंधी संशोधित दिशानिर्देश : औचित्य और तर्क के.सी.चक्रवर्ती
Shri Alok K. Misra, Chairman, IBA and CMD, Bank of India; Shri Pratip Chaudhuri, Chairman, State Bank of India; CMDs/ CEOs of other banks; other senior members of the banking fraternity, delegates to the conference, members of the print and electronic media, other distinguished guests, ladies and gentlemen. It is, indeed, a matter of great pleasure for me to deliver this special address at the annual FICCI – IBA Global Banking Conference - FIBAC 2012. FIBAC has become
डॉ. के.सी. चक्रवर्ती, उप गवर्नर, भारतीय रिज़र्व बैंक
Shri Alok K. Misra, Chairman, IBA and CMD, Bank of India; Shri Pratip Chaudhuri, Chairman, State Bank of India; CMDs/ CEOs of other banks; other senior members of the banking fraternity, delegates to the conference, members of the print and electronic media, other distinguished guests, ladies and gentlemen. It is, indeed, a matter of great pleasure for me to deliver this special address at the annual FICCI – IBA Global Banking Conference - FIBAC 2012. FIBAC has become
सितंबर 04, 2012
अंतरराष्ट्रीय और भारतीय परिप्रेक्ष्य में बासेल-III: दस प्रश्न जिनका उत्तर हमें जानना चाहिए दुव्वुरी सुब्बाराव
For the fourth year on a trot, you have extended me the privilege of inaugurating this annual FICCI-IBA conference. Involving as it does leaders from the corporate and banking sectors, this conference has emerged as an important forum for discussing major policy issues. Naturally, I attach a lot of value to speaking from this platform. Thank you for this opportunity. 2. Later this month, we will be marking the fourth anniversary of the collapse of Lehman Brothers whic
डॉ. डी. सुब्बाराव, गवर्नर, भारतीय रिज़र्व बैंक
For the fourth year on a trot, you have extended me the privilege of inaugurating this annual FICCI-IBA conference. Involving as it does leaders from the corporate and banking sectors, this conference has emerged as an important forum for discussing major policy issues. Naturally, I attach a lot of value to speaking from this platform. Thank you for this opportunity. 2. Later this month, we will be marking the fourth anniversary of the collapse of Lehman Brothers whic
सितंबर 03, 2012
CRR is a cost, manage it: Chakrabarty tells SBI
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
अगस्त 31, 2012
उत्तराखंड में आर्थिक और वित्तीय गतिविधियां दीपक मोहंती
I thank Professor Murthy for inviting me to share my thoughts with a young audience in an institution which has a formidable reputation in agricultural research as having pioneered the “Green Revolution”. In my talk today, I propose to briefly outline the economic and financial structure of the State as well as highlight various financial inclusion initiatives taken by the Reserve Bank. I will then indicate a few policy challenges in sustaining the growth momentum. I
श्री दीपक मोहंती, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
I thank Professor Murthy for inviting me to share my thoughts with a young audience in an institution which has a formidable reputation in agricultural research as having pioneered the “Green Revolution”. In my talk today, I propose to briefly outline the economic and financial structure of the State as well as highlight various financial inclusion initiatives taken by the Reserve Bank. I will then indicate a few policy challenges in sustaining the growth momentum. I
अगस्त 29, 2012
India in a Globalizing World : Some Policy Dilemmas
Dr. D. Subbarao, Governor, Reserve Bank of India
अगस्त 28, 2012
जोखिम और गवर्नेंस के परिप्रेक्ष्य में आनंद सिन्हा
Mr. P R Ramesh, Chairman, Deloitte, Dr. Vikram Kuriyan, Director of the Investment Centre, Indian School of Business, Ms. Usha Thorat and Mr. V S Das, my erstwhile colleagues from Reserve Bank and other delegates. It is a pleasure for me to interact with you all, today at this Summit. 2. The theme of the Summit revolves around risk and governance, the two terms which are being looked at by policy makers with renewed interest and a fresh perspective in the aftermath of
श्री आनंद सिन्हा, उप गवर्नर, भारतीय रिज़र्व बैंक
Mr. P R Ramesh, Chairman, Deloitte, Dr. Vikram Kuriyan, Director of the Investment Centre, Indian School of Business, Ms. Usha Thorat and Mr. V S Das, my erstwhile colleagues from Reserve Bank and other delegates. It is a pleasure for me to interact with you all, today at this Summit. 2. The theme of the Summit revolves around risk and governance, the two terms which are being looked at by policy makers with renewed interest and a fresh perspective in the aftermath of
अगस्त 28, 2012
भारत में संकट के बाद समष्टिआर्थिक चुनौतियां दीपक मोहंती
I thank Professor Aditi Abhyankar for the opportunity for being a part of such a distinguished panel and share my thoughts with the young audience. As the future of the country, you have a great stake in the performance of our economy in a globalised world: the opportunity it provides, the promise it holds and the challenges we face. Therefore, the focus of my talk today is on the recent macroeconomic performance of the Indian economy. As you know the Indian economy e
श्री दीपक मोहंती, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
I thank Professor Aditi Abhyankar for the opportunity for being a part of such a distinguished panel and share my thoughts with the young audience. As the future of the country, you have a great stake in the performance of our economy in a globalised world: the opportunity it provides, the promise it holds and the challenges we face. Therefore, the focus of my talk today is on the recent macroeconomic performance of the Indian economy. As you know the Indian economy e
अगस्त 24, 2012
विश्व अर्थव्यवस्था में उथल-पुथल: भारतीय परिदृश्य हारुन आर. खान
श्री हरुण आर खान, उप गवर्नर, भारतीय रिज़र्व बैंक
अगस्त 20, 2012
ओडिशा में आर्थिक और वित्तीय विकास दीपक मोहंती
I thank Shri Bijoy Ketan Mishra for inviting me to address this distinguished gathering. I am happy that The Political and Business Daily has chosen to highlight the role of banking in Odisha’s development. In the development of the financial sector, banks have a pivotal role. Finance leads growth and economic progress follows. As you know, the Reserve Bank has been actively engaged in the development of the financial sector. However, we have stepped up our efforts in
श्री दीपक मोहंती, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
I thank Shri Bijoy Ketan Mishra for inviting me to address this distinguished gathering. I am happy that The Political and Business Daily has chosen to highlight the role of banking in Odisha’s development. In the development of the financial sector, banks have a pivotal role. Finance leads growth and economic progress follows. As you know, the Reserve Bank has been actively engaged in the development of the financial sector. However, we have stepped up our efforts in
अगस्त 20, 2012
गोवा से गोवा तक - भारतीय विदेशी मुद्रा बाजार का परिवर्तित ढांचा - नई वास्तविकताएं और प्राथमिकताएं जी. पद्मनाभन
It is indeed an honour to once again address the top professionals in the Indian forex market. It is exactly 15 years since Dr Y V Reddy, the then RBI Deputy Governor, heralded the beginning of a true forex market in India in this city through what has become famous as the "Goa Speech". Clearly the attempt of Dr Reddy that day, and I was present in the front row of the audience, was to drive home some rationale and sanity into the participating audience. The market to
श्री जी पद्मनाभन, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
It is indeed an honour to once again address the top professionals in the Indian forex market. It is exactly 15 years since Dr Y V Reddy, the then RBI Deputy Governor, heralded the beginning of a true forex market in India in this city through what has become famous as the "Goa Speech". Clearly the attempt of Dr Reddy that day, and I was present in the front row of the audience, was to drive home some rationale and sanity into the participating audience. The market to
अगस्त 13, 2012
कारपोरेट ऋण पुनर्गठन - मुद्दे और भावी कदम के.सी. चक्रवर्ती
Ms. Soundara Kumar, Deputy Managing Director, State Bank of India, Mr. Siby Anthony, Managing Director & CEO, Edelweiss Asset Reconstruction Co. Ltd., Mr. R. Sundaram, President (Finance) & Company Secretary, Indo Count Industries Limited, Mr. T.R Madhavan, Executive Chairman, Centrum Group, and, seated in front of the dais, Mr. Chandir Gidwani , Promoter, Centrum Group, other distinguished guests, members of the print and electronic media, ladies and gentleme
डॉ. के.सी. चक्रवर्ती, उप गवर्नर, भारतीय रिज़र्व बैंक
Ms. Soundara Kumar, Deputy Managing Director, State Bank of India, Mr. Siby Anthony, Managing Director & CEO, Edelweiss Asset Reconstruction Co. Ltd., Mr. R. Sundaram, President (Finance) & Company Secretary, Indo Count Industries Limited, Mr. T.R Madhavan, Executive Chairman, Centrum Group, and, seated in front of the dais, Mr. Chandir Gidwani , Promoter, Centrum Group, other distinguished guests, members of the print and electronic media, ladies and gentleme
अगस्त 07, 2012
वित्तीय समावेशन के क्षेत्र में पदार्पण - एक अलग सोच के.सी. चक्रवर्ती
Mrs. Naina Lal Kidwai, Vice President, FICCI and Country Head, HSBC India; Dr. Amiya Sharma, Chair, Sa-Dhan; Mr. Mathew Titus, Executive Director, Sa-Dhan, delegates to this Financial Inclusion Conference organized by FICCI and Sa-Dhan, ladies and gentlemen. I am pleased to be here with you all for the Financial Inclusion Conference 2012 that is being organized jointly by Sa-Dhan and FICCI. The theme this year “The First Mile Walk into Financial Inclusion” is both inn
डॉ. के.सी. चक्रवर्ती, उप गवर्नर, भारतीय रिज़र्व बैंक
Mrs. Naina Lal Kidwai, Vice President, FICCI and Country Head, HSBC India; Dr. Amiya Sharma, Chair, Sa-Dhan; Mr. Mathew Titus, Executive Director, Sa-Dhan, delegates to this Financial Inclusion Conference organized by FICCI and Sa-Dhan, ladies and gentlemen. I am pleased to be here with you all for the Financial Inclusion Conference 2012 that is being organized jointly by Sa-Dhan and FICCI. The theme this year “The First Mile Walk into Financial Inclusion” is both inn
अगस्त 03, 2012
भारतीय भुगतान और निपटान प्रणालियां - उत्तरदायित्वपूर्ण नवोन्मेष और विनियमन दुव्वुरी सुब्बाराव
First of all, my thanks to the management of IDRBT for inviting me to this eighth edition of the IDRBT Banking Technology Awards function. Financial Innovation in the Context of the Crisis 2. We are gathered here today to recognise and celebrate financial innovation. If we take a long sweep of history, there is no doubt that innovation has contributed to enhancing the quantum, quality and reach of financial intermediation. In recent years though, financial innovation
डॉ. डी. सुब्बाराव, गवर्नर, भारतीय रिज़र्व बैंक
First of all, my thanks to the management of IDRBT for inviting me to this eighth edition of the IDRBT Banking Technology Awards function. Financial Innovation in the Context of the Crisis 2. We are gathered here today to recognise and celebrate financial innovation. If we take a long sweep of history, there is no doubt that innovation has contributed to enhancing the quantum, quality and reach of financial intermediation. In recent years though, financial innovation
जुलाई 30, 2012
न्यू नॉर्मल में मुद्रा जोखिम का प्रबंध करना जी.पद्मनाभन
Ladies and Gentlemen, I am happy to be here today and share with you my perspectives on this interesting theme of the Seminar. It does take a lot of courage to coin anything as "normal' these days. What is ‘New Normal’? Mr. Mohamed El-Erian and Mr. Bill Gross of Pacific Investment Management Company (PIMCO)coined the phrase ‘New Normal’ during early 2009 that basically signifies a downward shift in potential growth of the advanced economies post-crisis and the consequ
श्री जी पद्मनाभन, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
Ladies and Gentlemen, I am happy to be here today and share with you my perspectives on this interesting theme of the Seminar. It does take a lot of courage to coin anything as "normal' these days. What is ‘New Normal’? Mr. Mohamed El-Erian and Mr. Bill Gross of Pacific Investment Management Company (PIMCO)coined the phrase ‘New Normal’ during early 2009 that basically signifies a downward shift in potential growth of the advanced economies post-crisis and the consequ
जुलाई 23, 2012
वित्तीय समावेशन के मुद्दे और चुनौतियाँ : नीतियाँ, साझेदारी, प्रक्रियाएँ और उत्पाद हारून आर. खान
It is a great pleasure to be in the midst of such a galaxy of eminent civil servants, serving and retired, academics and corporate citizens associated with the Indian Institute of Public Administration (IIPA). IIPA was established in the year 1954 to undertake academic activities to enhance the leadership qualities and managerial capabilities. The idea is to build capacity for good governance and create mechanism for efficient delivery of public goods and welfare supp
श्री हरुण आर खान, उप गवर्नर, भारतीय रिज़र्व बैंक
It is a great pleasure to be in the midst of such a galaxy of eminent civil servants, serving and retired, academics and corporate citizens associated with the Indian Institute of Public Administration (IIPA). IIPA was established in the year 1954 to undertake academic activities to enhance the leadership qualities and managerial capabilities. The idea is to build capacity for good governance and create mechanism for efficient delivery of public goods and welfare supp
जुलाई 19, 2012
छोटा अब भी सुन्दर और प्रतिस्पर्धी है - भारत में सूक्ष्म, लघु और मझौले उद्योगों (एमएसएमई) पर अनुचिंतन आनन्द सिन्हा
Mr. Partha Chatterjee, Hon’ble Minister in Charge, Department of Commerce and Industries, Government of West Bengal, Dr. Manas Ranjan Bhunia, Hon’ble Minister in Charge, Department of Micro and Small Scale Enterprises and Textiles, Government of West Bengal, Dr. Rajeev Singh, Director General, Indian Chamber of Commerce, Kolkata, and other distinguished invitees. I am indeed happy to be a part of this national conference. 2. This conference is very timely for several
श्री आनंद सिन्हा, उप गवर्नर, भारतीय रिज़र्व बैंक
Mr. Partha Chatterjee, Hon’ble Minister in Charge, Department of Commerce and Industries, Government of West Bengal, Dr. Manas Ranjan Bhunia, Hon’ble Minister in Charge, Department of Micro and Small Scale Enterprises and Textiles, Government of West Bengal, Dr. Rajeev Singh, Director General, Indian Chamber of Commerce, Kolkata, and other distinguished invitees. I am indeed happy to be a part of this national conference. 2. This conference is very timely for several
जुलाई 19, 2012
डॉ. आई. जी पटेल की पुस्तक के विमोचन के अवसर पर दिया गया भाषण दुव्वुरी सुब्बाराव
1. There are many privileges of being the Governor. Among them is releasing the books by former Governors. It is a privilege to which I attach a lot of value, something which I prize. Newton 2. Because the occasion demands it, I must repeat what I said at the Reserve Bank’s Platinum Jubilee. 3. Those of you who have had some exposure to the history of science would know that Sir Isaac Newton was an intellectually arrogant man. When his friend and rival, Robert Hooke w
डॉ. डी. सुब्बाराव, गवर्नर, भारतीय रिज़र्व बैंक
1. There are many privileges of being the Governor. Among them is releasing the books by former Governors. It is a privilege to which I attach a lot of value, something which I prize. Newton 2. Because the occasion demands it, I must repeat what I said at the Reserve Bank’s Platinum Jubilee. 3. Those of you who have had some exposure to the history of science would know that Sir Isaac Newton was an intellectually arrogant man. When his friend and rival, Robert Hooke w
जुलाई 18, 2012
कार्मिक प्रबंधन के माध्यम से नेतृत्व, कार्यनिष्पादन और रूपांतरण वी.एस.दास
I thank the students of Jamnalal Bajaj Institute of Management Studies (JBIMS), Mumbai for inviting me to this Seminar, aptly titled “The CATALYST”. For me, being here, in my Alma Mater, is special, and being the Chief Guest today is therefore doubly special. I am also happy to be sharing with you my thoughts on a subject, which has been close to my heart: Leadership. I remember having studied Transformational Leadership and its Impact on Organisational Climate and Un
श्री वी.एस. दास, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
I thank the students of Jamnalal Bajaj Institute of Management Studies (JBIMS), Mumbai for inviting me to this Seminar, aptly titled “The CATALYST”. For me, being here, in my Alma Mater, is special, and being the Chief Guest today is therefore doubly special. I am also happy to be sharing with you my thoughts on a subject, which has been close to my heart: Leadership. I remember having studied Transformational Leadership and its Impact on Organisational Climate and Un
जुलाई 17, 2012
भारतीय रिज़र्व बैंक में अंक संकलन दीपक मोहंती
Governor Dr. Subbarao, Prof. R. Radhakrishna, Chairman, National Statistical Commission, Dr. Aurel Schubert, Director General, Statistics Department, European Central Bank (ECB), Deputy Governor Dr. Subir Gokarn; other distinguished speakers Prof. J.R. Varma, IIM Ahmedabad, Prof. Probal Chaudhuri, ISI Kolkata and Prof. Amit Bubna, ISB, Hyderabad; Deputy Governors, colleague Executive Directors, distinguished guests from the financial sector and academia, members of th
श्री दीपक मोहंती, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
Governor Dr. Subbarao, Prof. R. Radhakrishna, Chairman, National Statistical Commission, Dr. Aurel Schubert, Director General, Statistics Department, European Central Bank (ECB), Deputy Governor Dr. Subir Gokarn; other distinguished speakers Prof. J.R. Varma, IIM Ahmedabad, Prof. Probal Chaudhuri, ISI Kolkata and Prof. Amit Bubna, ISB, Hyderabad; Deputy Governors, colleague Executive Directors, distinguished guests from the financial sector and academia, members of th
जुलाई 17, 2012
आरबीआई के कार्य में सांख्यिकी और सांख्यिकीय विश्लेषण दुव्वुरी सुब्बाराव
Statistics Day at RBI The Statistics Day Conference, held to honour the memory of that doyen of statistics, the late Prof. P. C. Mahalanobis, has become an important event in the Reserve Bank’s annual calendar. Since statistical analysis is a critical input for the Reserve Bank to deliver on its mandate, we have found this annual conference to be a very valuable learning experience. 2. I want to acknowledge the presence here of several leading experts in statistical a
डॉ. डी. सुब्बाराव, गवर्नर, भारतीय रिज़र्व बैंक
Statistics Day at RBI The Statistics Day Conference, held to honour the memory of that doyen of statistics, the late Prof. P. C. Mahalanobis, has become an important event in the Reserve Bank’s annual calendar. Since statistical analysis is a critical input for the Reserve Bank to deliver on its mandate, we have found this annual conference to be a very valuable learning experience. 2. I want to acknowledge the presence here of several leading experts in statistical a
जुलाई 16, 2012
आईटी अभिशासन के मुद्देट जी.पद्मनाभन
Smt. Meena Hemchandra, Principal CAB, members of CAB faculty and participants; wish you all a very good morning. I thank the Principal for the privilege given to me to address this gathering of CTOs and CIOs of banks, who are responsible for managing information, the most valuable resource for banks today. It is indeed appreciable and thoughtful of the CAB to organize a programme with a theme which has great contemporary relevance. Emergence of Corporate Governance 2.
श्री जी पद्मनाभन, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
Smt. Meena Hemchandra, Principal CAB, members of CAB faculty and participants; wish you all a very good morning. I thank the Principal for the privilege given to me to address this gathering of CTOs and CIOs of banks, who are responsible for managing information, the most valuable resource for banks today. It is indeed appreciable and thoughtful of the CAB to organize a programme with a theme which has great contemporary relevance. Emergence of Corporate Governance 2.
जुलाई 13, 2012
बैंकिंग विनियमों में वैश्विक समानता और भारतीय बैंकिंग प्रणाली पर इसका प्रभाव जी.पद्मनाभन
I am very happy to be here to address the Bankers Club at Raipur. Chhattisgarh is a fast developing state and the banking system here has to play its role in ushering in economic growth of the state. The outreach programme in which I participated yesterday at Makanpur was an eye opener for me regarding the active role played by the banks towards this direction. Global Financial Crisis – A curtain raiser 2. As we are passing through difficult but challenging times as f
श्री जी पद्मनाभन, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
I am very happy to be here to address the Bankers Club at Raipur. Chhattisgarh is a fast developing state and the banking system here has to play its role in ushering in economic growth of the state. The outreach programme in which I participated yesterday at Makanpur was an eye opener for me regarding the active role played by the banks towards this direction. Global Financial Crisis – A curtain raiser 2. As we are passing through difficult but challenging times as f
जुलाई 12, 2012
Issues and Challenges in Financial Inclusion : Policies, Partnerships, Processes and Products
Shri Harun R Khan, Deputy Governor, Reserve Bank of India
जुलाई 12, 2012
कृषि ऋण - उपलब्धि और चुनौतियाँ दुव्वुरी सुब्बाराव
I am delighted to be a part of NABARD’s celebrations of its completion of thirty years. This is a special occasion for NABARD, of course; but also a special occasion for the Reserve Bank, for NABARD was incubated in the Reserve Bank before it rolled out as an independent development financial institution in 1982. The bondage between our two institutions has not only remained strong but is getting stronger. We share a common goal - of furthering inclusive growth. We al
डॉ. डी. सुब्बाराव, गवर्नर, भारतीय रिज़र्व बैंक
I am delighted to be a part of NABARD’s celebrations of its completion of thirty years. This is a special occasion for NABARD, of course; but also a special occasion for the Reserve Bank, for NABARD was incubated in the Reserve Bank before it rolled out as an independent development financial institution in 1982. The bondage between our two institutions has not only remained strong but is getting stronger. We share a common goal - of furthering inclusive growth. We al
जुलाई 11, 2012
ओटीसी डेरिवेटिव्स ट्रेड रिपोजिटरी का आरंभ किया जाना सुबीर गोकर्ण
We are gathered here to mark the launch of the OTC Derivatives Trade Repository. As you know, in the aftermath of the US sub-prime crisis, improving transparency and reducing counterparty risk in OTC derivatives transactions have been two principal themes of discourse in the context of helping create a robust financial market architecture. This would not only reduce the possibility of recurrence of such a crisis in future but also contain the fallout and facilitate ti
डॉ. सुबीर गोकर्ण, उप गवर्नर, भारतीय रिज़र्व बैंक
We are gathered here to mark the launch of the OTC Derivatives Trade Repository. As you know, in the aftermath of the US sub-prime crisis, improving transparency and reducing counterparty risk in OTC derivatives transactions have been two principal themes of discourse in the context of helping create a robust financial market architecture. This would not only reduce the possibility of recurrence of such a crisis in future but also contain the fallout and facilitate ti
जुलाई 04, 2012
दिलों को छूना और मुस्कान बिखेरना दुव्वुरी सुब्बाराव
I am deeply touched by the invitation to deliver this oration as part of Indian Overseas Bank’s Platinum Jubilee celebrations. I know that some very distinguished people have given orations in this series, and it is an honour for me to add my name to that very select list. IOB - Origins and Legacy 2. At the outset, my congratulations to the CMD Shri Narendra, all the officers and staff of IOB on this very special occasion. I browsed through the history of IOB and am s
डॉ. डी. सुब्बाराव, गवर्नर, भारतीय रिज़र्व बैंक
I am deeply touched by the invitation to deliver this oration as part of Indian Overseas Bank’s Platinum Jubilee celebrations. I know that some very distinguished people have given orations in this series, and it is an honour for me to add my name to that very select list. IOB - Origins and Legacy 2. At the outset, my congratulations to the CMD Shri Narendra, all the officers and staff of IOB on this very special occasion. I browsed through the history of IOB and am s
जुलाई 03, 2012
बैंकों में आईटी और अभिशासन - कुछ विचार आनन्द सिन्हा
Shri Sambamurthy, Director, IDRBT; Shri Prabhakar, Chairman and Managing Director, Andhra Bank, Shri Rao, Managing Director, SBH, Shri Siva Kumar, member of faculty, IDRBT, distinguished fellows of IDRBT; other members of the faculty; and directors on the Boards of banks. Wish you all a very good morning. 2. Independent directors are looked upon by both the stakeholders and regulators as important contributors to the value additive and ethically positive oversight of
श्री आनंद सिन्हा, उप गवर्नर, भारतीय रिज़र्व बैंक
Shri Sambamurthy, Director, IDRBT; Shri Prabhakar, Chairman and Managing Director, Andhra Bank, Shri Rao, Managing Director, SBH, Shri Siva Kumar, member of faculty, IDRBT, distinguished fellows of IDRBT; other members of the faculty; and directors on the Boards of banks. Wish you all a very good morning. 2. Independent directors are looked upon by both the stakeholders and regulators as important contributors to the value additive and ethically positive oversight of
जून 28, 2012
आईटीसी आधारित वित्तीय समावेशन - नवोन्मेष द्वारा नई राह का निर्माण के.सी. चक्रवर्ती
Shri N. Chandrasekaran, Chairman-CII BANKing TECH Summit 2012 and CEO & Managing Director, Tata Consultancy Services Ltd; Shri Pratip Chaudhuri, Chairman, State Bank of India; Shri Pradeep Bhargava, Chairman – CII Western Region; Mr. Manoj K. Kashyap, Executive Director, Pricewaterhouse Coopers Pvt. Ltd.; Mr. Dev Ranjan Mukherjee, Director, CII; distinguished guests, ladies and gentlemen. 2. When the financial sector is going through perhaps the most chequered pha
डॉ. के.सी. चक्रवर्ती, उप गवर्नर, भारतीय रिज़र्व बैंक
Shri N. Chandrasekaran, Chairman-CII BANKing TECH Summit 2012 and CEO & Managing Director, Tata Consultancy Services Ltd; Shri Pratip Chaudhuri, Chairman, State Bank of India; Shri Pradeep Bhargava, Chairman – CII Western Region; Mr. Manoj K. Kashyap, Executive Director, Pricewaterhouse Coopers Pvt. Ltd.; Mr. Dev Ranjan Mukherjee, Director, CII; distinguished guests, ladies and gentlemen. 2. When the financial sector is going through perhaps the most chequered pha
जून 27, 2012
कीमतों की स्थिरता और वित्तीय स्थिरताः एक उभरता बाजार परिदृश्य दीपक मोहन्ती
“A system of credit which has slowly grown up as years went on, which has suited itself to the course of business, which has forced itself on the habits of men, will not be altered because theorists disapprove of it, or because books are written against it.” Walter Bagehot, Lombard Street,1873. It is indeed an honour for me to be addressing the distinguished members of the Board of Directors and Senior Management of the Central Bank of Nigeria. I thank Governor Sanusi
श्री दीपक मोहंती, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
“A system of credit which has slowly grown up as years went on, which has suited itself to the course of business, which has forced itself on the habits of men, will not be altered because theorists disapprove of it, or because books are written against it.” Walter Bagehot, Lombard Street,1873. It is indeed an honour for me to be addressing the distinguished members of the Board of Directors and Senior Management of the Central Bank of Nigeria. I thank Governor Sanusi
जून 20, 2012
वित्त में जिम्मेदार नव प्रवर्तन जी. पद्मनाभन
Ladies and gentlemen, 1. C' est en effet un honneur et un privilège d'être ici ce soir, dans une des plus belles villes du monde, d'accepter au nom de l'une des Banques centrales les plus respectées du monde le prix Dufrenoy de l'Innovation décerné pour l'année 2012, à la Reserve Bank of India (pour nos calibrage politique dans le règlement des produits financiers). Je remercie tous ceux qui ont contribue a nous choisir pour cet honneur. Maintenant avant que l’on me d
श्री जी पद्मनाभन, कार्यपालक निदेशक, रिज़र्व बैंक ऑफ इंडिया
Ladies and gentlemen, 1. C' est en effet un honneur et un privilège d'être ici ce soir, dans une des plus belles villes du monde, d'accepter au nom de l'une des Banques centrales les plus respectées du monde le prix Dufrenoy de l'Innovation décerné pour l'année 2012, à la Reserve Bank of India (pour nos calibrage politique dans le règlement des produits financiers). Je remercie tous ceux qui ont contribue a nous choisir pour cet honneur. Maintenant avant que l’on me d
जून 19, 2012
India - Macroeconomic Situation Assessment and Prospects
Dr. D. Subbarao, Governor, Reserve Bank of India
जून 08, 2012
Financial Inclusion - A Update
Dr. K.C. Chakrabarty, Deputy Governor, Reserve Bank of India
जून 06, 2012
उभरती अर्थव्यवस्थाओं में वित्तीय शिक्षा की चुनौतियों का पता लगाना के.सी. चक्रवर्ती
Mr. James Crabtree, Chief Mumbai Correspondent, Financial Times, Mr. Uttam Nayak, Group Country Manager, South Asia, Visa Inc, Mr. Thomas Davenport, Director, South Asia, IFC, Ms. Nirupama Soundararajan, Additional Director, FICCI, Ms. Jayshree Vyas, Managing Director, SEWA Bank, distinguished guests, members of the press, ladies and gentlemen. It is my pleasure to be present here today to address this august gathering to deliberate on the challenge of financial educa
डॉ. के.सी. चक्रवर्ती, उप गवर्नर, भारतीय रिज़र्व बैंक
Mr. James Crabtree, Chief Mumbai Correspondent, Financial Times, Mr. Uttam Nayak, Group Country Manager, South Asia, Visa Inc, Mr. Thomas Davenport, Director, South Asia, IFC, Ms. Nirupama Soundararajan, Additional Director, FICCI, Ms. Jayshree Vyas, Managing Director, SEWA Bank, distinguished guests, members of the press, ladies and gentlemen. It is my pleasure to be present here today to address this august gathering to deliberate on the challenge of financial educa
जून 04, 2012
बैंकों में मानव संसाधन प्रबंधन - एक नये परिदृश्य की आवश्यकता के.सी. चक्रवर्ती
Shri Alok Misra, CMD, Bank of India, Dr. K. Ramakrishnan, Chief Executive, Indian Banks Association, CMDs and EDs of Public Sector Banks, fellow bankers, external consultants, members of the press and distinguished guests. I thank you for inviting me to this conference. 2. I am happy to note that a conference focusing exclusively on HR issues is being organized by Public Sector Banks. I understand that the conference is being organized at the instance of the Governmen
डॉ. के.सी. चक्रवर्ती, उप गवर्नर, भारतीय रिज़र्व बैंक
Shri Alok Misra, CMD, Bank of India, Dr. K. Ramakrishnan, Chief Executive, Indian Banks Association, CMDs and EDs of Public Sector Banks, fellow bankers, external consultants, members of the press and distinguished guests. I thank you for inviting me to this conference. 2. I am happy to note that a conference focusing exclusively on HR issues is being organized by Public Sector Banks. I understand that the conference is being organized at the instance of the Governmen
अप्रैल 27, 2012
व्यष्टि-वित्त संस्थाओं (एमएफआईएस) में अभिशासन का सशक्तीकरण - कुछ आकस्मिक विचार आनंद सिन्हा
Thank you for inviting me to deliver the keynote address at this microfinance workshop. Microfinance is currently at the centre of intense policy debate, especially, in the context of governance and regulatory oversight related issues. The current workshop which focuses the deliberations on governance issues in microfinance is, therefore, quite timely as well as contextually relevant. I congratulate the organisers on their choice of subject for this workshop and hope
श्री आनंद सिन्हा, उप गवर्नर, भारतीय रिज़र्व बैंक
Thank you for inviting me to deliver the keynote address at this microfinance workshop. Microfinance is currently at the centre of intense policy debate, especially, in the context of governance and regulatory oversight related issues. The current workshop which focuses the deliberations on governance issues in microfinance is, therefore, quite timely as well as contextually relevant. I congratulate the organisers on their choice of subject for this workshop and hope
अप्रैल 24, 2012
वित्तीय साक्षरता और उपभोक्ता संरक्षण - वित्तीय समावेशन के लिए आवश्यक आधार के.सी. चक्रवर्ती
• Globally, the triad of Financial Inclusion, Financial Literacy and Consumer Protection has been recognized as intertwining threads in pursuit of Financial Stability. For any kind of stability, whether financial, economic, political or social, inclusive growth is an essential prerequisite. Inclusive growth, in turn, is largely driven by financial inclusion and an inclusive financial system. Financial Inclusion and Literacy • Financial Inclusion and financial literacy
डॉ. के.सी. चक्रवर्ती, उप गवर्नर, भारतीय रिज़र्व बैंक
• Globally, the triad of Financial Inclusion, Financial Literacy and Consumer Protection has been recognized as intertwining threads in pursuit of Financial Stability. For any kind of stability, whether financial, economic, political or social, inclusive growth is an essential prerequisite. Inclusive growth, in turn, is largely driven by financial inclusion and an inclusive financial system. Financial Inclusion and Literacy • Financial Inclusion and financial literacy
अप्रैल 13, 2012
सबके लिए संभव आवास के प्रयास- मुद्दे और चुनौतियाँ हारून आर. खान
1. It is a pleasure to address such a distinguished gathering of delegates at the international conference and the well-known experts from the sector who have assembled here. It is my pleasure to be here not only as a representative of the Reserve Bank of India but also as a member of the Board of the National Housing Bank (NHB). Over the years, the Reserve Bank and the NHB have committed to the cause of improving the condition of the Indian housing sector considering
श्री हरुण आर खान, उप गवर्नर, भारतीय रिज़र्व बैंक
1. It is a pleasure to address such a distinguished gathering of delegates at the international conference and the well-known experts from the sector who have assembled here. It is my pleasure to be here not only as a representative of the Reserve Bank of India but also as a member of the Board of the National Housing Bank (NHB). Over the years, the Reserve Bank and the NHB have committed to the cause of improving the condition of the Indian housing sector considering
अप्रैल 12, 2012
उभरते उद्यमों के विकास का सशक्तीकरण के.सी. चक्रवर्ती
Shri Bodhisatva Ganguli, Deputy Executive Editor, The Economic Times, Shri Pramit Jhaveri, CEO, Citibank India, Ms. Paromita Chatterjee, Senior Editor, ET Now, Mr. Venu Srinivasan, Chairman, TVS Motor Company Ltd., Dr. Swati Piramal, Director – Strategic Alliances and Communications, Piramal Healthcare Ltd., distinguished panelists, other distinguished guests, members of the print and electronic media, ladies and gentlemen. 2. At the outset, I would like to congratula
डॉ. के.सी. चक्रवर्ती, उप गवर्नर, भारतीय रिज़र्व बैंक
Shri Bodhisatva Ganguli, Deputy Executive Editor, The Economic Times, Shri Pramit Jhaveri, CEO, Citibank India, Ms. Paromita Chatterjee, Senior Editor, ET Now, Mr. Venu Srinivasan, Chairman, TVS Motor Company Ltd., Dr. Swati Piramal, Director – Strategic Alliances and Communications, Piramal Healthcare Ltd., distinguished panelists, other distinguished guests, members of the print and electronic media, ladies and gentlemen. 2. At the outset, I would like to congratula
आरबीआई मोबाइल एप्लीकेशन इंस्टॉल करें और लेटेस्ट न्यूज़ का तुरंत एक्सेस पाएं!
हमारा ऐप इंस्टॉल करने के लिए QR कोड स्कैन करें
पृष्ठ अंतिम बार अपडेट किया गया: जून 04, 2025
पृष्ठ अंतिम बार अपडेट किया गया: नवंबर 23, 2022
