Recovery from the bad loans is the biggest challenge that the Government owned banks in India are facing. Insolvency and Bankruptcy Code (IBC) has been a boon for banks but only few banks got the full resolution. But in the process, the biggest lesson for banks pertains to consortium lending. Rajkiran Rai, MD & CEO of Union Bank Of India, explains why are they limiting the banks for consortium lending. Rai also shares his thoughts on geopolitical issues. SIBOS Sydney 2018 special series.