 Everything is based on some guidelines and principles, so similarly financial risk management is also based or rely on some principles to be followed that we need to learn in order to be an expert of this particular topic, so we'll be discussing principle risk and the policies relating to that particular factor. Principles of financial risk maximizing opportunity, as I've told you risk is not always a negative thing it is a way which we can utilize to opportunity to avail the opportunity. Ensuring business growth, if we know what our risk, if we know how to look into that we are in short looking for growth and improving our business structure. Align and integrate various views of risk management, someone may be in the board of directors, someone may be of high risk aptitude, someone may be not a risk averse, someone could be risk neutral, so when we are devising a policy we have to have a consensus, what overall risk strategy of the company be, build confidence of investment community and stakeholder, this is very important. You will invest your money to whom you can rely, so if you know an organization that is doing very good risk management, they know their risk and plan it well in contrast to some organization who is not fully aware of their risk or not managing them well, one will prefer with the strong risk management system. So this is your way and how investors look at, so we want a confidence of investors, so that is if you have a strong risk appetite strong risk management investor will be preferred to invest with you. Enhance corporate governance, corporate governance is another very emerging topic for today's world, it deals with how organization should be run, how board should perform, so that the heart of corporate governance is risk management. They want organization to be run in a best possible and effective way, so risk management is their key tool for improving an organization. Reduce unacceptable performance variability. As I've discussed we'll prefer to those organizations that are consistent rather than those with very much fluctuation, so we are aiming not to have very much variability, things beyond our control that's separate but things within our control we should try to maintain. A organization that is growing 5% every year, a company that is growing 20% per year, then 40% per year, then 30% per year, then 5% growth is better because the investor will get dividend and they will be consistent, so they can rely more on that. But still here we have to do risk management, we don't want to achieve any jugglery or window dressing financial figures from that. Providing chastity, that is you want a safe structure, you don't want us to be too suspicious or negatively considered, so we want to stay positive and in good expectation. So principle of risk management, we want constructive board engagement, that our board members should be well informed, they should know the whole scenario before they are making any decisions, so they should be key to that. This is a classic example of risk management committees, so this is a committee of the board whose task is to see the risk management of the organization, what are the risks, how to deal with them, how to tackle them. So this is a specific, financial institution must be, other organization, listed organization also preferring to form these committees. So we have to see effective risk positioning, where we are parked, we can't do this that we are not taking any risk, if we don't take any risk then how will the business grow, how will the profits come, so we have to see what is that level of risk we should take, so that's referred to as risk positioning that where we will park our position. We want to have a strong risk culture, when we say strong risk culture it doesn't mean that there will be no risk, but here we mean that there should be proper accountability, now everyone should know what is the responsibility, it will also give an answer to that and there will be questioning for that. Effective challenge, effective challenge means you should know the task and you should look into that, how it will be addressed and how it's going to be beneficial for you. Collaboration and open communication, now the time is over that only the chief of the organization will have the idea of what we have to do, here we are talking about open communication, you should tell your employees that these are our risks, if we achieve this, we will manage them this way then this is what benefit we will be getting, rather than that we have kept all this closed door, no, open door and accept the challenge and communicate, even better would be to engage others and discuss, rather than telling them these are things to be done. Appropriate incentive, as the factor goes on to reward them for good management, questions for executives and directors, so as we have discussed one word accountability, so accountability goes in the whole thing, board is answerable to shareholders, management is answerable to board, so they should be questioned, they should be discussed what was the decision taken, what you have entered, what you have not entered, all that has to be specifically reported, so do primary risk or not identify and understand their risk and risk appetite, main thing is that the core investor, he should be educated out of the risk tool, you have to tell him that what we are doing, how much risk are we taking, some risks will be clarity but in more the cases shareholder might know, not know, we have to brief them, we have to educate them that this is where we stand, does executive management openly support each line of defense to ensure function effectively, here comes subjectivity or accountability management, management is CEO, it is not whole part, CEO will take actions, decisions, parameters, principles and then he will be held answerable to the larger community, how he performs on that, thank you, that will end for today.