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    <title>Importance of strong Governance &amp; Secure IT Operations for Urban Co-operative Banks to Remain Relevant (N S Vishwanathan, Deputy Governor, Reserve Bank of India, August 04, 2018 - Gujarat Urban Co-operative Banks Federation at Gandhinagar)</title>
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    <description>The address prioritises professional governance and secure IT operations for Urban Co-operative Banks, noting insufficiency of Basel I CRAR compliance, persistent NPAs, and competitive pressures. It highlights RBI measures including draft Board of Management guidelines to professionalise boards, voluntary conversion to Small Finance Banks to enhance capital and resolution frameworks, enabling regulatory steps for UCB functioning, and the need for IT adoption with robust risk management, IS audits and in house expertise to protect depositors and contain frauds.</description>
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