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Dr. B. Yerram Raju - Dr. B. Yerram Raju, Economist, is Former Dean of Studies, Administrative Staff College of India, Hyderabad and former senior management executive of State Bank of India and author/co-author of more than 650 articles in all the leading financial dailies and 14 books that include: A Saint in the Board Room; Risk management: The New Accelerator; Agricultural banking: Getting the perspective Right among others. His research interests are in developmental economics, financial risk management, MSMEs, Cooperatives and governance. He was Member of the Jury of the Asia Pacific Bankers' Congress, Manila during 2004 and 2005. He is on the Boards of a few Consulting institutions dealing with setting up producer companies/agri cooperatives apart from being member of Board of Governors of Siva Sivani Institute of Management, Hyderabad and Farmers and Rural Science Foundation, Hyderabad. He was a short term consultant for the World Bank, UNCTAD, UNIDO, GOI, Andhra Pradesh (combined), and Telangana. He is also Senior Fellow, ISED, Kochi. M. Sitarama Murty - Mr. M. Sitarama Murty is a postgraduate in electronics from Andhra University. He had worked for five banks of the State Bank group, including State Bank of India at Paris, with over 37 years of experience. He retired as the Managing Director of State Bank of Mysore. His fields of interest are agriculture, international banking, foreign exchange and treasury management. He is widely travelled and participated in several international conferences abroad. He has been working as consultant and is on the boards of a few companies. He was also on the Board of Karnataka Bank ltd., for over six years. He has published two books and written more than a hundred articles in national newspapers Dr. Singala Subbaiah has been working with Reserve Bank of India (RBI) for nearly 18 years and is presently a General Manager in RBI, Hyderabad. During his tenure in RBI, Dr. Singala has worked in several departments dealing with regulation, supervision, financial markets and payment systems. He was a Member of Faculty at the Reserve Bank's Staff Training College, Chennai and Professor of Finance at the Administrative Staff College of India, Hyderabad on deputation from RBI. Prior to joining the RBI, he worked as a Lecturer in Business Management, Osmania University. Dr. Singala's qualifications include B.E, MBA (Finance), and Ph.D (Business Management). As a recipient of Lee Kuan Yew fellowship, Dr. Singala has completed Masters in Public Management from National University of Singapore and Harvard University, where he was awarded gold medal for his thesis on financial stability. He is a certified Financial Risk Manager (FRM) of the Global Association of Risk Professionals (GARP). He has authored/co-authored a number of articles on banking and finance in Reputed journals. Views expressed in the book are personal and not those of the RBI.

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