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For capital-starved Indian banks, taking such haircuts is costly. But for the economy, it is an even greater cost given banks fund more than 60 percent of India’s credit requirements. “State-owned banks’ core capital ratios are already very weak and that is the main factor constraining their capacity to lend,” said Saswata Guha, director and head of financial institutions at Fitch Ratings. “It eventually poses a risk to economic growth.” mens initial cufflinks. (GRAPHIC: India’s stressed debt interactive – tmsnrt.rs/1Sf4ij7)..

(Reuters) – Facebook Inc Chief Executive Mark Zuckerberg is planning to unify the underlying messaging infrastructure of the WhatsApp, Instagram and Facebook Messenger services and incorporate end-to-end encryption into these apps, the New York Times reported on Friday. The three services will, however, continue as stand-alone apps, the report said, citing four people involved in the effort. Facebook said it is working on adding end-to-end encryption, which protects messages from being viewed by anyone except the participants in a conversation, to more of its messaging products, and considering ways to make it easier for users to connect across networks mens initial cufflinks.

“There is a lot of discussion and debate as we begin the long process of figuring out all the details of how this will work,” a spokesperson said mens initial cufflinks. After the changes, a Facebook user, for instance, will be able send an encrypted message to someone who has only a WhatsApp account, according to the New York Times report. Integrating the messaging services could make it harder for antitrust regulators to break up Facebook by undoing its acquisitions of WhatsApp and Instagram, said Sam Weinstein, a professor at the Benjamin N. Cardozo School of Law..

“If Facebook is worried about that then one way it can defend itself is to integrate those services,” Weinstein said mens initial cufflinks. But Weinstein said breaking up Facebook is viewed as an “extreme remedy” by regulators, particularly in the United States, so concerns over antitrust scrutiny may not have been a factor behind the integration. Some former Facebook security engineers and an outside encryption expert said the plan could be good news for user privacy, in particular by extending end-to-end encryption..

“I’m cautiously optimistic it’s a good thing,” said former Facebook Chief Security Officer Alex Stamos, who now teaches at Stanford University mens initial cufflinks. “My fear was that they were going to drop end-to-end encryption.”. However, the technology does not always conceal metadata – information about who is talking to whom – sparking concern among some researchers that the data might be shared. Any metadata integration likely will let Facebook learn more about users, linking identifiers such as phone numbers and email addresses for those using the services independently of each other..