TECHNICAL SESSION-II Welcome address by Prof. Subhasish Dey & Talk by Shri A. Sony, Deputy General Manager, South Indian Bank   Shri K. I. Varghese, Chief General Manager, Federal Bank   Prof. Sthanu R. Nair, IIM Kozhikode   Smt. Dhanya V., Assistant Adviser, DEPR, RBI   Summarization of the talks Dr. D. Ajit, Former Director, DEPR, RBI