"Those who have looked to obtain a banking license will know it's not an easy task and has many twists and turns. What Ravi has achieved here is the manual for anyone wanting to take on the authorisation challenge. Covering all the bases from start to end, brilliantly written and easy to understand, How to Build A Bank is the ultimate guide." -- Carl D'Ammassa, CEO at DF Capital Bank
"Ravi Takhar is a financial services entrepreneur who has built a lending and deposit taking institution from scratch. He has now written a detailed textbook describing how he did it. This is a serious technical guide for anyone who wants to start their own bank. It covers all the critical requirements needed to gain approval from the regulators, and is thus essential reading for every challenger bank entrepreneur, and indeed those who advise or back them." -- Luke Johnson, Chairman, Risk Capital Partners
Ravi Takhar has over 35 years' experience in the creation, acquisition, growth, financing and disposal of financial businesses and banks. Mr Takhar is CEO of London Stock Exchange listed Orchard Funding Group PLC, a company he founded in 2002. He was an investment banker and Head of Financial Services Investment at Nikko, the Japanese investment bank, from 1998 to 2002, as well as Chairman of Mortgages PLC, the mortgage lender. Ravi was also Head of Mortgage Principal Finance at Investec Bank PLC from 2005 to 2008 and Chairman and Chief Risk Officer of Urban Exposure PLC, the development finance lender, from 2009 to 2020. He qualified as a banking solicitor at Clifford Chance, a leading international law firm, and has an MA from the University of Oxford.