TARSEM BHOGAL has over 30 years experience in banking and training and is former Principal of the Staff Training Centre, Association of Indian Banks in the United Kingdom. Previously a senior faculty member of an international bank's regional staff training and development centre in London, UK,Bhogal set up a regional staff training centre of a public sector bank in northern India. He has been a practical banker, managing banking operations in Kenya, India and the United Kingdom, starting his career with The Standard Bank Limited, Nairobi. Bhogal is a Fellow of The Institute of Financial Accountants, Member of Chartered Management Institute and ordinary member of the Chartered Institute of Financial Services, London, UK. ARUN KUMAR TRIVEDI is the former Vice President and Chief Representative of IndusInd Bank, London, UK, and presently a free lance consulting adviser in the areas of finance, banking and international trade. He is a Fellow of the Securities Investment Institute, London, UK, Fellow of the Indian Institute of Bankers and Life Member, Indian Society for Training and Development, New Delhi, India. Trivedi is also author and co-author of various books on the subjects of International Banking, Treasury Operations, Risk Management.