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The shadow of global financial crises of 2007 is still cast on the developing economies. Banking environment ever since has changed with looming challenges in regard to customer expectations and regulatory rigour. Basel Committees have seen the upswing of regulatory mechanisms moving from capital to liquidity coverage and net stable funding ratios. All these and the competitive environment where the operating space is sliced between unequal players demand risk management as part of business development. Unless the financial institutions view risk management as essential part of their work culture at all levels including the Board of Management, rewards cannot flow. Risk appetite is the key to future profits of the financial institutions. Professional Risk Management Association (PRMIA) Hyderabad Chapter celebrating its 6th Anniversary in August 2012 arranged a conference to discuss the nuances of such efforts where the Governor, Reserve Bank of India addressed the inaugural session and seven Bank Chairpersons and CEOs paneled the discussions along with academicians. This book is a compilation of all the speeches which serves as essential reading for all those who are on the learning curve in the discipline of Risk Management to provide a new slant to the subject. Printed Pages: 199.