I would like to thank my parents, Mr Balakrishnan and Mrs Meenakshi, for instilling the right values and providing me the opportunities; my Guru, Shri Kamakshi Baba, whose grace has guided this work; my husband, Suresh S. and my children, Anagha and Abhinav, for their unswerving and enthusiastic support; all my teachers—at school, college and IIM Ahmedabad—who opened the gateway to acquiring knowledge; and the versatile veterans under whom I learnt banking in practice. My humble gratitude to Dr C. Rangarajan, whose foreword to the first edition of this book placed me on cloud nine, and Dr A. H. Kalro, whose invitation to teach banking at IIM Kozhikode helped me begin this wonderful journey.
As with the previous edition, I gratefully acknowledge the contribution of the entire Pearson team – past and present - in particular, Mr Raza Khan, Praveen Tiwari, Nitin Valecha, Gaurav Jain, Avnish Garg, Hemant, Ritu Sharma, Varun Goenka, and Sailza Kumari, who patiently spent several painstaking hours over telephone and mail, to fine tune the book’s quality and make it error free. Their commitment to this project, in spite of their busy schedule, has been commendable and exemplary.
Several experts deserve to be thanked for their comments and help extended to the first and second edition of this book. We owe a deep debt of gratitude to M. Venugopalan (Chairman, Federal Bank) who formally released this book at a function held in Cochin, Kerala. A partial list of others, who have been a source of inspiration for this work and those who had given comments on different chapters include:
M. V. Nair (Chairman, Union Bank of India)
Dr V. A. Joseph (Chairman, South Indian Bank)
Professor Thomas Paul (National Institute of Bank Management)
Dr Hiroshi Kurimoto (President, Nagoya University of Commerce and Business, Japan)
Krishna Mohan Nandiraju and Mayur Udermani (Ex students, IIM)
V. S. R. Moorthy (Former GM, Union Bank)
S. Harikumar (Oriental Bank of Commerce)
Jeomoan Kuriaon (Wells Fargo Bank)