To: The Right Honourable Bank of England Governor Mr. Mark Carney  From: Athinarayanan Sanjeevraja  Date: October 31, 2013 RE: Congratulation to the Bank of England new Governor and Bank of England is Open for Business and UK Banking Sector Reform  Suggestion: Good Morning Mr. Governor. Let me start by paying my respects to you and through you to. Your Excellency, kindly accepts my heartfelt congratulation Governor. You are the first non-Briton to be appointed as the Bank of England Governor. As an Analyst, I knew that you have been an exceptional steward of Canada’s monetary policy. I fully support the BoE is open for business and the banking sector reform. Mr. Governor, you knew that the pressure from increased regulation, tight funding availability and tough economic condition always lead to substantial increase loan pricing for corporates. As a result, Banks will increase margins on their loans to corporates and on riskier loans. This will...