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Former Deputy RBI Governor Dr Viral Acharya on India's Deep Banking Sector Problems

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departed erstwhile old above ancient antecedent anterior bygone first past prior aforementioned aforesaid earlier ex- foregoing late long ago long gone of yore once one-time preceding quondam sometime whilom after modern new current ensuing following future present prospective subsequent succeeding former precedent precursory preliminary previous delayed elapsed overdue afore aforetime ahead ante antecedently anteriorly back before present ere fore formerly forward gone gone by heretofore in advance in days of yore in front in old days in the past precendently previously since sooner up to now antiquated archaic belated dated dead defunct down memory lane extinct forgotten in oblivion lost of old old-fashioned old-time olden oldfangled out-of-date vanished water over the dam water under the bridge asleep cold exanimate expired finished gave up the ghost inanimate lifeless passed on pushing up daisies posterior ending front before behind later afterward recent existent alive living existing deceased lively born Former Clock Method aide appointee commissioner delegate minister representative ambassador backup factor legate lieutenant proxy regent replacement second-in-command sub subordinate substitute surrogate assembly member councilor dogcatcher representant chief manager ad interim adjutant alternate assistant delegated deputy interim pro tem pro tempore provisional temporary abettor actor advocate assignee attorney broker doer emissary envoy executor factotum functionary go-between handler intermediary lawyer mediary middleperson mover negotiator officer operative operator principal proctor promoter salesperson servant steward ten percenter worker aide-de-camp attendant coadjutant coadjutor crew crewman helper second supporter aid girl Friday man Friday shop stooge troops acting permanent agent agents aid\u002Faide superior leader boss aides Clock Method obi rsi rib r.b.i. 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RBI administrator boss chief commander comptroller controller director executive head leader manager overseer ruler superintendent supervisor chief of state gubernatorial leader guv head honcho presiding officer employee follower worker CEO President ambassador authority bureaucrat captain chair chairperson consul custodian dean exec front office governor head person inspector judge mayor minister officer official organizer person upstairs premier prez producer Bible arbiter aristocrat big cheese big shot big wig brains brass buff city hall connoisseur czar egghead establishment expert feds guru ivory dome kingfish kingpin law power elite pro professional professor pundit scholar specialist textbook top brass top dog top hand upstairs veteran virtuoso whiz wizard big gun big wheel bigwig chieftain dictator foreperson general honcho key player monarch overlord principal proprietor ringleader sovereign suzerain top cat big person executive officer helmer player skipper top person president authorities bible greenhorn rookie student amateur proletariat ignoramus underling subordinate servant apprentice directors Governor Clock Method governors aggressive energetic fervid growing vigorous zealous augmenting budding burgeoning expanding flourishing thriving contained controlled stunted static Viral Clock Method viral ochre each year ashore ochrer archeries arroyo ochroid archery indue inti undo in due indoor undear undue indicia indian into undy unit indigo indite indub undid and end uncia endear endow endue idea under untie on day anti inned intra in door un dear un due ander ender in to inert inter in dite in dub in fit un did in out in air broad buried deep-seated far profound rooted wide low submarine underground yawning abysmal abyssal below beneath bottomless distant downreaching fathomless immersed inmost subaqueous submerged subterranean sunk unfathomable narrow restricted aboveboard artless flighty frivolous ignorant light open pale quiet shallow soft superficial trivial unintelligent abstruse complex deep hypothetical ideal indefinite intellectual nonconcrete philosophical recondite transcendent transcendental unreal Greek to me abstract clear as dishwater complicated enigmatic esoteric heavy hidden incomprehensible intricate involved muddy obscure perplexing puzzling subtle vague boundless complete endless extreme illimitable incalculable infinite thorough unending vast cavernous immeasurable bass low-pitched resonant sonorous far down unlimited acute serious difficult occult secret wise arcane concealed discerning hermetic incisive learned mysterious penetrating sagacious sibylline Delphic orphic hard to understand simple plain happy easy slight known stupid unimportant tricky sharp knowing keen cunning designing artful astute canny crafty foxy insidious intriguing shrewd sly wily guileful contriving plotting slow dull blunt honest frank set intent musing lost abstracted concentrated engaged fixed into preoccupied rapt wrapped centered enfolded focused wrapped up great vivid hard dark rich strong alto contralto grave booming baritone full-toned low-toned moderate mild poor weak cheerful ocean blue drink briny middle brine main the high seas physical material concrete actual objective factual real lucid clear obvious ending limited measurable finite fathomable bounded Deep Clock Method Deeps deeps Deep! investment funding money dealing moneylending accounts banking business commerce economics financial affairs money money management budgeting commercial economic fiscal monetary numbers numeric pecuniary pocket finance financial Clock Method Banking district part region zone category division precinct quarter stratum whole belt block city county domain dominion enclosure field kingdom locality neck of the woods neighborhood parcel patch plot principality section sector sphere square state stretch territory township tract turf vicinity ward battlefield battleground province realm scene theatre affiliate authority branch command department detachment ell extension force offshoot power projection wing commune community locale parish stomping ground vicinage area areas arena arm body main incompetence weakness districts Sector! Clock Method complication dilemma dispute headache issue obstacle question trouble botheration box count crunch disagreement doubt hitch mess pickle predicament quandary scrape squeeze worriment can of worms disputed point hot water point at issue advantage agreement assistance blessing help peace benefit certainty opening solution riddle mystery intricacy conundrum stickler bugaboo illustration puzzler enigma query poser twister example stumper grabber teaser brainteaser cliff-hanger mind-boggler problems Clock Method Problems problem problem?
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