worksheet based on direct and indirect speech

200+Direct and Indirect Speech Exercises and Answers (2025)

Direct and indirect speech exercises and answers (2025) help learners understand the transformation between direct statements and reported speech, enhancing their comprehension and expression abilities.

We frequently employ direct and indirect speech in our everyday interactions to accurately convey what was said and summarize information efficiently.

Enhance your understanding of Direct and Indirect Speech with our extensive collection of over 200 exercises and corresponding answers.

Through practice in transforming quotations into reported speech, grasp the principles and methods involved, and refine your differentiation between direct and indirect speech.

Elevate your language proficiency and deepen your comprehension of English with our comprehensive set of over 200 Direct and Indirect Speech exercises and answers.

Understanding Direct Speech

Direct speech is when the exact words spoken by a person are quoted within quotation marks. It provides a direct representation of what was said, maintaining the original wording and tone. Direct speech adds authenticity and immediacy to the narrative.

For example,

• Direct Speech: My aunt said, ‘Every mother loves her child.’
• Direct Speech: Mon said to me, ‘I shall go, but you will stay.’

Explore Indirect Speech

Indirect speech, also known as reported speech, conveys someone else’s words without quoting them directly. Indirect speech offers a concise summary, enabling effective communication and storytelling.

• Indirect Speech: My aunt said that every mother loves her child.
• Indirect Speech: Mon told me that she would go but I should stay.

Before delving into the direct and indirect speech exercises, consider how Tense , Pronouns , Time , and Place change when transitioning from direct to indirect speech and vice versa.

Exercises and Answers for Direct and Indirect Speech (2025)

Direct and Indirect Speech Exercises and answers, along with examples are given in the following for practice. It’s important for students as well as for competitive Exams. For practice and easy comprehension, Direct and indirect speech Exercises and answers have been arranged according to different rules in the following.

Direct and Indirect Speech Exercises and Answers with Tense Transformations

Exercises and answers with tense alterations facilitate practice and comprehension of verb tense transformations.

Exercise 1:

Change the mode of narration from direct Speech to indirect speech .

(1) He said , ‘I need some money.’ Ans: He said that he needed some money.

(2) She said, ‘I am waiting for him.’ Ans: She said that she was waiting for him.

(3) The boy said , ‘I have done my homework.’ Ans: The boy said that he had done his homework.

(4) You said, ‘The baby has been sleeping .” Ans: You said that the baby had been sleeping .

(5) You say, ‘I am always busy.’ Ans: You say that you are always busy.

(6) The child will say , ‘Mum knows everything.’ Ans: The child will say that Mum knows everything.

(7) He said , ‘I did it.’ Ans: He said that he had done it.

(8) She said, ‘He was talking .’ Ans: She said that he had been talking .

(9) The monk said , ‘Man will die .’ Ans: The monk said that man will die.

(10) He said , ‘The sun gives us light.’ Ans: He said that the sun gives us light.

Exercise 2:

Switch the narrative style from direct speech to indirect speech.

(1) He said to me, “I can’t recall your name.” Ans: He told me that he could not recall my name.

(2) Poulami says , “I am fine.” Ans: Poulomi says that she is fine.

(3) He said, “I did it.” Ans: He said that he had done it.

(4) “I know her address,” said Gopi. Ans: Gopi said that he knew her address.

(5) Ram said, “The earth is round.” Ans: Ram said that the Earth is round.

(6) “We planted it ourselves,” said the grandfather. Ans: The Gran Father said that they had planted it themselves.

(7) Debu said, “I have been playing rugby.” Ans: Debu said that he had been playing rugby.

(8) Purbasha said to me,” I am afraid of ghosts.” Ans: Purbasha told me that she was afraid of ghosts.

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Exercise 3:

Turn the following sentences from direct Speech to indirect speech .

(1) The boys said , “It has been raining since morning. We cannot play today.” Ans: The boys said that it had been raining since morning so they could not play that day.

(2) Anjan’s mother said, “Your father has left for Mumbai.” Ans: Anjan’s mother said that my father had left for Mumbai.

(3) My teacher said , “Practice makes a man perfect.” Ans: My teacher said that practice makes a man perfect.

(4) He says, “I go to the temple every morning.” Ans: He says that he goes to the temple every morning.

(5) He said to me, “I will not get down from the bus.” Ans: He told me that he would not get off the bus.

(6) Rita says to Mita, “I will go with you.” Ans: Rita tells Mita that she w ill go with her.

(7) The boy said to his friend, “I went to school yesterday.” Ans: The boy told his friend that he had gone to school the previous day.

(8) You said, “I was right.” Ans: You said that you had been right.

(9) “I ‘ll go to the top,” said the young lady. Ans: The young lady said that she would go to the top.

(10) I ‘ ve got my rules,” the conductor said to me. Ans: The conductor told me that he had got his rules.

Pronouns in Direct and Indirect Speech: Exercises and Answers

Exercises and answers incorporating pronouns in direct and indirect speech facilitate learners’ understanding and application of pronoun changes in reported speech structures.

Exercise 4:

(1) You said, ‘ I never smoked.” Ans: You said that you never smoked.

(2) I said, ‘ I am always busy.” Ans: I said that I was alway busy

(3) I said to you , ‘ You look tired.” Ans: I said to you that you looked tired.

(4) You said to me , ‘ You are dependable.” Ans: You said to me that I was dependable.

(5) You said, “ He is right.” Ans: You said that he was right.

(6) I said, “ They will be late. Ans: I said that they w ould be late.

(7) He said to (Deep) , ‘ You told it so.” Ans: He said to Deep that he (Deep) had told it so.

(8) Mon said to Moon , “ You are naughty.” Ans: Mon said to Moon that she (Moon) was naughty.

Exercise 5:

Alter the narrative style from direct speech to indirect speech.

(1) He said to me, “ I have done the job.” Ans: He told me that he had done the job.

(2) Rohit said, “ I was absent yesterday.” Ans: Rohit said that he (Rohit) had been absent the previous day.

(3) The boy said, “ My father died two years ago.” Ans: The boy said that his father had died two years before.

(4) He said, “ My goal is to climb Mt Everest. “ Ans: He said that his goal was to climb Mount Everest.

(5) “ I shall certainly do nothing of this kind”, the woman. Ans: The woman said that she would certainly do nothing of that kind.

(6) The man said, “ I am exhausted.” Ans: The man said that he was exhausted.

(7) He said, “ I am washing my hands.” Ans: He said that he was washing his hands.

(8) Mother bird said to her little ones, “Today I will teach you how to fly.” Ans: Mother bird told her little ones that that day, she would teach them how to fly.

(9) Rita’s father says. “ I have done this for you. Ans: Rita’s father says that he had done that for her.

(10) Sumana said to her sister, “ I want to play with you.” Ans: Sumana told her sister that she wanted to play with her.

Time and Place Expressions in Direct and Indirect Speech: Exercises and Answers

Exercises and answers on time and place expressions in direct and indirect speech aid learners in accurately conveying temporal and spatial information while mastering reported speech conventions.

Exercise 6:

Turn the following direct speech into indirect speech

(1) I said to you, “I wish to start business next year. “ Ans: I said to you that I wished to start business the following years.

(2) You said to them, “ Now I shall tell you a nice story.” Ans: You told them that then you would tell them a nice story.

(3) She said to him, “I bought the book yesterday. “ Ans: She told him that she had bought the book the previous day .

(4) He said to me, “I saw your sister two years ago . Ans: He told me that he had seen my sister two years before.

(5) He said to his son, “You may come with me tomorrow. Ans: He told his son that he (his son) might go with him the next day.

(6) He said to her, I’m talking to you now for your good.” Ans: He told her that he was talking to her then for her good.

(7) The girl said to me, My father died two years ago. “ Ans: The girl told me that her father died two years before.

Exception: But if ‘ now ‘, ‘ here ‘, ‘ this ‘ refer to things present before the speaker at the time of reporting, no change is needed.

(8) He said to me, ‘I have no friend here. ‘ Ans: He told me that he had no friend here.

(9) I said, ‘We cannot be happy in this world.’ Ans: I said that we cannot be happy in this world.

(10) She said, “ This is the house where I was born.” Ans: She said that this was the house where she was born.

Exercise 7:

Change the following sentences into indirect speech.

(1) The boy said to his father, “I had my tiffin in school yesterday. “ Ans: The boy told his father that he had had his tiffin in school the previous day .

(2) The captain informed, “The tournament was postponed last year. “ Ans: The captain informed us that the tournament was postponed the previous year .

(3) She said, “We have been living here for two years.” Ans: She said that they had been living there for two years.

(4) Arnab said to Ajit,” I am happy today .” Ans: Arna told Ajit that he was happy that day.

(5) My friend said to me, “We went to the zoo yesterday. “ Ans: My friend told me that they had gone to the zoo the previous day.

(6) The clerk said, “I’ll do the work now. “ Ans: Clark said that he would do the work then.

(7) Hiten said to Mihir, “I received this letter yesterday. “ Ans: Hiten told me that he had received that letter the previous day.

(8) Rajib said to me. “I shall go to the picture today. “ Ans: Rajiv told me that he would go to the picture that day.

(9) He said, “We are very happy here. “ Ans: He said that they were very happy there.

(10) The farmer said, “I’ll sow the seeds now. “ Ans: The farmer said that he will show the seats then.

(12) The man said to me, “I received your gift yesterday. “ Ans: The man told me that he had received my gift the previous day.

(15) I said to my friend, “You were present in the class yesterday. “ Ans: I told my friend that he had been present in the class the previous day.

Direct and Indirect Speech Exercises and Answers of Assertive Sentences

Direct and indirect speech exercises and answers focusing on assertive sentences enable learners to grasp the nuances of reporting statements confidently and accurately.

Exercise 8:

Transform the following direct speech into indirect speech

(1) My aunt said, ‘Every mother loves her child.’ Ans: My aunt said that every mother loves her child.

(2) Mon said to me, ‘I shall go, but you will stay.’ Ans: Mon told me that she would go but I should stay.

(3) He said to his father, ‘I shall always carry out your order.’ Ans: He told his father that he would always carry out his order.

(4) She said, ‘I sang a song at today’s function.’ Ans: She said that she had sung a song at today’s function.

(5) He said to me, ‘You are wicked, so I shall not mix with you.’ Ans: He told me that I was wicked, so he would not mix with me.

Exercise 9:

Change the following sentences converting the direct speeches into indirect speeches.

(1) The teacher said to the boy, “You have forgotten the lesson.” Ans: The teacher told the boy that he had forgotten the lesson.

(2) The boy said, “I shall go out and play.” Ans: The boy said that he would go out and play.

(3) He said, “I am happy to be here today.” Ans: He said that he was happy to be there that day.

(4) They said, “We shall play the game again tomorrow.” Ans: They said that they would play the game again the next day.

(5) The boy said, “Two and two make four.” Ans: The boy said that two and two make four.

Exercise 10:

Change the form of narration from indirect speech into direct speech.

(1) She told them that she had lost her books and theirs too. Ans : “I have lost my books and yours too”, she told them.

(2) The princess says that she has lost her way. Ans: The princess says, “I have lost my way.”

(3) They say that they must keep their locality clean. Ans: They say, “We must keep our locality clean.”

(4) The girl says that those books are theirs, but that one is hers. Ans: The girl says, “These books are theirs, but this one is mine.”

(5) The Happy prince said that he had led the dance in the Great Hall. Ans: The Happy Prince said, “I led the dance in the great hall.”

Interrogative Sentences Direct and Indirect Speech Exercises and Answers

Engage with interrogative sentences through direct and indirect speech exercises and answers to sharpen your ability to convey questions effectively within different narrative frameworks.

Exercise 11:

(1) Mother said to her, ‘Are you feeling feverish?’ Ans: Mother inquired of her if she was feeling feverish.

(2) ‘Was it not a piece of luck?’ said Slavator. Ans: Salvtor wanted to know if that was not a piece of luck.

(3) The host said to me, ‘Have all the guests arrived?’ Ans: The host asked me whether all the guests had arrived.

(4) I said, ‘Do you know who will preside over the meeting?’ Ans: I asked whether he knew who would be presiding over the meeting.

(5) I said to the boy, ‘Did you pass the examination?’ Ans: I asked the boy if had passed the examination.

(6) She said to him, ‘Which of the books do you want to buy? Ans: She asked him which of the books he wanted to buy.

(7) The king said, ‘Who is not ready to due for his land, my countryman?’ Ans: The king asked his countrymen who was not ready to due for his land.

(8) He said to her, ‘Whose type writer are you using? Ans: He inquired of her whose type- writer she was using.

(9) The girl said to the strang ‘Whom do you want to see? Ans: The girl asked the stranger whom he wanted to see.

(10) The teacher said to the student, ‘Why are you late regularly? Ans: The teacher asked the student why he was late regularly.

Exercise 12:

Turn the following sentences from direct speech to indirect speech.

(1) Bulbuli said to her friend, “Will you come tomorrow?” Ans: Bulbuli asked her friend if she would on the next day.

(2) The policeman said to the stranger, “What are you looking for?” Ans: The police asked the stranger what he was looking for.

(3) Nikhil said to me, “Why do you look sad? Ans: Nikhil asked me why I looked sad.

(4) I said to her, “Did you take tea ?” Ans: I asked her if she had taken tea.

(5) The girl said to her mother, “Will you give me your bangles ?” Ans: The girl asked her mother if she would give her her bangles.

(6) Father said to me, “Why are you so upset?” Ans: Father asked me why I was so upset.

Exercise 13:

Change the following indirect speech into Direct speech.

(1) She asked me if I had called her. Ans: She said to me, “Did you call me ?”

(2) He asked me if I was writing a letter. Ans: He asked me, “Are you writing a letter ?”

(3) The man asked the child how he had got there. Ans: “How did you get here, child ?”, the man said.

(4) The police asked me if I could show my identity card. Ans: The police said to me, “Can you show your identity card ?”

(5) He asked us if we were attending the meeting that day. Ans: He said to us, “Are you attending the meeting today?”

(6) I asked her if she had taken medicine. Ans: I said to her, “Did you take medicine ?”

(7) Raja asked Dipu if he would go to school that day. Ans: Raja said to Dipu, “Will you go to school today?

Imperative Sentences Direct and Indirect Speech Exercises and Answers

Master imperative sentences through direct and indirect speech exercises and answers, refining your skill in conveying commands and requests within diverse linguistic contexts.

Exercise 14:

Change the following sentences from direct speech to indirect speech.

(1) The teacher said, ‘Boys, go to your classes.’ Ans: The teacher ordered the boys to go to their classes.

(2) She said to him, ‘Please lend me your pen.’ Ans: She requested him to lend her his pen.

(3) The mother said to her son, ‘Wait here for me.’ Ans: The mother told her son to wait there for her.

(4) He said to me, ‘Go home at once.’ Ans: He advised me to go home at once.

(5) I said to my teacher, ‘Please explain the passage. Ans: I requested my teacher to explain the passage.

(6) The student said to the teacher, “Excuse me, sir.’ Ans: The student begged the teacher to excuse him.

(7) He said, ‘Friends, lend me your ears. Ans: Addressing them as friends, he requested them to lend him their ears.

Exercise 15:

(1) The teacher said to the students, “Keep quiet.” Ans: The teachers ordered the students to keep quiet.

(2) My teacher said to me. “Do not neglect your studies.” Ans: My teacher advised me not to neglect my studies.

(3) The man said to his son, “Always try to be honest.” Ans: The man advised it’s on to always try to be honest.

(4) Mother said to Raju, “Do not run in the sun.” Ans: Mother ordered Raju not to run in the sun.

(5) The man said to me, “Brother, please help me.” Ans: Addressing as a brother, the man requested me to help him.

(6) The students said, “Please allow us to play in the field.” Ans: The students requested to allow them to play on the field.

(7) He said to me, “Please give me some money.” Ans: He requested me to give him some money.

Exercise 16:

Change the following sentences from Indirect speech to Direct Speech of narration.

(1) He advised me not to waste my valuable time. Ans: He said to me, “Don’t waste your valuable time.”

(2) The grandson advised the children not to pluck flowers. Ans: The gardener said to the children, “Do not pluck flowers.”

(3) Tom forbade Sid to shake him. Ans: Tom said to Sid, “Don’t shake me.”

(4) The master ordered the servant to sort the door. Ans: The master said to the servant, “Shut the door.”

(5) The commander ordered the soldiers to stand at ease. Ans: The commander said to the soldiers, “Stand at ease.”

(6) Addressing as sethji, the vendor told him not to rob the poor. Ans: “Sethji, don’t rob the poor”, said the vendor.

(7) The doctor advised the patient to take proper vitamins to stay healthy. Ans: The doctor said to the patient, “Take proper vitamins to stay healthy.”

(8) The teacher ordered the students to do it then. Ans: The teacher said to the students, “Do it now.”

Direct and indirect speech Exercises and Answers with “Let”

Enhance your understanding of direct and indirect speech through exercises and answers featuring the usage of “let,” allowing you to effectively report permissions, suggestions, or proposals in various contexts

Exercise 17:

Change the following sentences from direct speech to indirect speech mode of narration.

(1) He said to her, ‘Let us go out for a walk,’ Ans: He proposed to her that they should go out for a walk.

(2) Mon said to Mohan, ‘Let us dis- cuss the matter,’ Ans: Mon suggested to Mohan that they should discuss the matter.

(3) The chairman said, ‘Let us put the motion to vote. Ans: The chairman proposed that they should put the motion to vote.

(4) I said to her, ‘Let us have some music,’ Ans: I proposed to her that we should have some music.

(5) ‘Let us hurry or we may miss the bus,’ said he, Ans: He urged all to hurry or they might miss the bus.

(6) She said, ‘Let me come in.’ Ans: She requested that she might be allowed to come in.

(7) He said, ‘Let her say whatever she likes.’ Ans: He said that she might say whatever she liked.

(8) He said, ‘Let me have a cup of coffee.’ Ans: He wished that he might have a cup of coffee.

(9) The player said to the captain, ‘Let me have a chance, please.’ Ans: The player requested the captain to let him have a chance.

(10) I said, ‘Let him work ever so hard, he cannot win the prize.’ Ans: He said that the visitor might be allowed to wait outside.

Exercise 18:

(1) Rahim said, “Let us decide the matter together.” Ans: Rahim suggested that they should decide the matter together.

(2) The boy said to me, “Let us play cricket.” Ans: The boy proposed that they should play cricket.

(3) He said, “Let me go home.” Ans: He wished that he might go home.

(4) He said to me, “Let him say whatever he likes.” Ans: He wished me that he might say whatever he liked.

(5) He shouted, “Let me go out. Ans: He shouted at me to go out.

Exercise 19:

Change the following sentences from indirect speech to direct speech mode of narration.

(1) She proposed that they should go to the cinema. Ans: She said, “Let us go to the cinema.”

(2) He suggested that they should drop the matter. Ans: He said, “Let us drop the matter”

(3) They suggested that they should make him give them their fears back. Ans: “Let’s make him give us our fares back,” they said.

(4) Shabnam proposed Chandni that they should go for a walk. Ans: “Let us go for a walk.” said Shabnam to Chandni.

(5) The leader suggested that they should hold a meeting the next day. Ans: The leader said, “Let’s hold a meeting tomorrow.”

Direct and Indirect Speech Exercises and Answers of Optative Sentences

Practice direct and indirect speech with exercises and answers focusing on optative sentences, enabling you to accurately report wishes, prayers, or blessings while honing your linguistic proficiency.

Exercise 20:

Change the following from Direct Speech to Indirect Speech.

(1) Mother said, ‘May you be happy.’ Ans: Mother wished that I might be happy.

(2) He said to you, ‘May God bless you.’ Ans: He prayed that God might bless you.

(3) She said, ‘Had I been there!’ Ans: She wished that she had been there.

(4) He said to me, ‘May you succeed.’ Ans: He wished that I might succeed.

(5) They said, ‘Long live the leader.’ Ans: They prayed that the leader might live long.

(6) He said to me, ‘May your mother recover soon. Ans: He wished that my mother might recover soon.

(7) The monk said, ‘May peace prevail.’ Ans: The monk hoped that peace would prevail.

(8) The boy siad, ‘Had I the wings of a bird.’ Ans: The boy wished that he could have the wings of a bird.

Exercise 21:

(1) I said to him, “May you be happy.” Ans: I wished that he might be happy.

(2) Mother said to me, “May God bless you.” Ans: Mother prayed that God might bless me.

(3) He said, “May his soul rest in peace.” Ans: He prayed that his soul might rest in peace.

(4) The girl said, “Oh, had I the wings of a dove.” Ans: The girl wished that she could have the wings of a dove.

(5) I said to him, “May you live long.” Ans: I wished him that he might live long.

Exercise 22:

Change the following from Indirect Speech to Direct Speech.

(1) Nilima wished me that I might recover soon. Ans: Nilima said to me, “May you recover soon.”

(2) Mother wished him that God might grant him a long life. Ans : Mother said to him, “May God grant you a long life.”

(3) The holy man wished that peace might prevail. Ans: The holy man said, “May peace prevail.”

(4) She wished that Mother Teresa might recover from illness soon. Ans: She said, “May Mother Teresa recover from illness soon.”

(5) He wished that he could bring his departed friend back to life. Ans: He said, “Oh, if I could bring my departed friend back to life.”

Direct and Indirect Speech Exercises of Exclamatory Sentences

Engage in direct and indirect speech exercises focusing on exclamatory sentences to refine your ability in reporting strong emotions or exclamations accurately within different narrative frameworks.

Exercise 23:

(1) The supporters said, ‘Hurrah! we have won?’ Ans: The supporter exclaimed in joy that they had won.

(2) The girl said, ‘How wonderful love is!’ Ans: The girl exclaimed in joy that love is wonderful.

(3) The teacher said, ‘Bravo! Well done!’ Ans: The teacher applauded his students by saying that they had done well.

(4) ‘Alas! I am undone’, said the women. Ans: They women cried out in sorrow that she was undone.

(5) He said, ‘Good bye, my friends !’ Ans: He bade his friends good bye.

(6) The old man said to the youth, ‘Fie! You are such a coward.’ Ans: The old man exclaimed that it was shameful for the youth to be such a coward.

(7) ‘How dirty the house is!’ he observed. Ans: He exclaimed in irritation that the house was very dirty.

(8) ‘Good God! I am saved’, said he. Ans: He exclaimed in the name of merciful God that he was saved.

Exercise 24:

(1) The boys triumphantly said, “Hurrah! We have won the match.” Ans: The boys exclaimed in joy that they had won the match.

(2) The old man said to the girl, “May you be happy !” Ans: The old man wished the girl that she might be happy.

(3) He said, “What good news!” Ans: He exclaimed in joy that it was very good news.

(4) The children said, “How happy we were there!” Ans: The children gloomily said that they had been very happy there.

(5) He said to you. “May God bless you.” Ans: He wished you that God might bless you.

(6) My friend said to me. “What a fool you are!” Ans: My friend exclaimed in despair that she was a big fool.

Exercise 25:

(1) Piyali exclaimed in sorrow that she had lost her phone. Ans: “Alas! I have lost my phone”, said Piyali.

(2) Mother wished Roy that his dreams might come true. Ans: Mother said to Roy, “May your dreams come true.”

(3) The girl exclaimed that she had been very sensible. Ans: How insensible I have been!”, said the girl.

(4) The girl exclaimed in sorrow that she had torn her frock. Ans: The girl said, “Oh dear! I have torn my frock.”

(5) She exclaimed in sorrow that she was undone. Ans: She said, “Alas! I am undone.”

(6) They wished me happy birthday. Ans: They said to me. “Happy birthday!”

(7) The students bade their teacher good morning. Ans: “Good morning, Madam!”, said the students to the teacher.

Practice Worksheet for Direct and Indirect Speech Exercises

A . Change the following into reported speech .

1. Rita says, “Kishore sang a song”.

2. The saint said, “Man is mortal”

3. You said, “we are learning our lesson’.

4. He said to me, “My father went to Mumbai last week.

5. I said to her, “Are you leaving tonight?”

6. He said to her, “Can you lend me your umbrella?”

7. She said, “I saw a tiger here’.

8. The principal said, “well done! my boys”.

9. She said, “Let them play.”

10. I said to Harsh, “Please help me.”

B. Change the direct speech into Indirect Speech

1. He asked me, “Where has he gone?”

2. The Prime Minister said, “National Integrity will be preserved at all costs.

3. She said, “My uncle came yesterday.”

4. Sheela said to us, “You must work hard.”

5. They said, “We trust in God.”

6. The officer said to him. “You will be dismissed if you do not attend the office in time.'”

7. He said to me “I am reading a book.”

8. He said, “Thanks for reminding me.’

9. She said,” Keep this room open.’

10. I said to him, “I went there on Tuesday.”

C. Choose the correct option .

1. I advised him ____________ it.

(a) to not do

(b) not to do

2. She told me ____________ careful.

(c) that be

3. She asked me if I ____________ my lunch.

(b) have eaten

(c) had eaten

4. She asked me ____________ going to the movies

(a) that I was

(b) if was I

(c) if I was

5. The dentist suggested ____________  get a new toothbrush.

(b) that I should

(c) me that I should

6. She said that no one ____________ me

(c) had called

7. He asked me ____________  to deserve such a cruel punishment.

(a) what had he done

(b) what he had done

(c) that he had done

8. He promised he ____________  do it by the end of the week.

9. She said that ____________  me before.

(a) she hadn’t met

(b) she did not meet

(c) she will not meet

10. I requested her____________  me.

(b) to help

(c) that help

D. Complete the sentences in the reported speech.

1. The girl said that it ___________ to be there that evening.

(a) gave her great pleasure

(b) gives her great pleasure

(c) gives her great pleasure

2. The man said that he ___________ as soon as possible.

(a) must go

(b) had gone

(c) should be gone

3. She said that she ___________ to se any of them.

(a) does not want

(b) did not want

(c) had not wanted

4. The teacher says that if you work hard you ___________

(a) would pass

(b) will pass

5. He said that he  ___________

(b) has won

(c) had won

6. He proposed that they ___________ for her return.

(a) shall wait

(b) will wait

(c) should wait

7. Alice exclaimed how clever ___________

(a) she was

(b) was she

(c) she has been

8. The young man asked which way she ___________

(a) has gone

(c) would go.

9. He asked me where ___________ going.

10. She requested them to wait there till she ___________

(a) returns

(b) returned

(c) will return

E. Complete the sentence in the reported speech.

1. Ravi said, “I love this place”.

Ravi said _______________ 

2. “Do you like football?” He asked me.

He asked me_______________ 

3. “I can’t drive a lorry”, he said.

He said _______________ 

4. “Be nice to your brother”, he said

He asked me _______________ 

5. “Don’t be nasty, “he said

He urged me _______________ 

6. “Don’t waste your money “she said,

She told the boys _______________ 

7. “What have you decided to do? “she asked

him. She asked him _______________ 

8. “I always wake up early”. he said,

He said_______________ 

9. “You should revise your lessons’, he said,

He advised the students _______________ 

10. “Where have you been? “he asked me

He wanted to know _______________ 

F. Complete the sentence in the reported speech.

1. She said, “I went to cinema yesterday,”

She said _______________ 

2. You said, “I will do this for him.”

You said _______________ 

3. He said, “I am writing a test tomorrow,

4. She said, “I am not hungry now”,

5. They said, “We have never been here before.”

They said _______________ 

6. They said, “We were in London last week.”

7. He said, “They won’t sleep.”

8. “Have you been shopping?” he asked us.

9. She said, “It is very quiet here.

10. “I don’t speak Italian”, she said.

She said_______________ 

G. Read the dialogue and complete the following passage.

Susan: Why have you not brought my party dress? Jenny: I haven’t brought it because I had gone to my uncle’s house with my parents, so I forgot to keep it. Susan: Don’t give me silly excuses. I want to know the truth. Jenny: I am sorry Susan. I was chatting with my friends till late. I forgot that you needed it urgently today.

Susan asked Jenny (a) …………… Jenny said that she (b) …………… . Susan (c) …………… . Jenny said that she was sorry and further added that she was chatting with her friends till late and she had forgotten that Jenny needed it urgently that day.

H. Read the following conversation and complete the passage that follows.

Dilip: I’ve been watching the sea and there hasn’t been any trace of a ship. Ralph: I told you yesterday too that we’ll be rescued, so have patience. Dilip: Why do you ask me to keep quiet whenever I say something? Ralph: Have you ever said anything sensible?

Dilip said (a) ………… . Ralph replied (b) ………… and so asked him to have patience. Dilip angrily asked Ralph (c) ………… to which Ralph wanted to know (d) …………

Direct and Indirect Speech Answers Key

1. Rita says that Kishore sang a song.

2. The saint said that the man is mortal.

3. You said that you were learning your lesson.

4. He hold me that his father had gone to Mumbai the previous week.

5. I asked her if she was leaving that night.

6. He asked her if she could lend him her umbrella.

7. She said that she had seen a tiger there.

8. The principal exclaimed with applause that the boys had done well.

9. She suggested that they should be allowed to play.

10. I requested Harsh to help me.

1. He asked me where he had gone.

2. The Prime Minister declared that the National Integrity would be preserved at all costs.

3. She said that her uncle had come the previous day.

4. Sheela told us that we must work hard.

5. They said that they trusted in God.

6. The officer warned him that he would be dismissed

if he did not attend the office in time.

7. He told me that he was reading a book.

8. He thanked me for reminding him.

9. She ordered to keep that room open.

10. I told him that I had gone there on Tuesday.

1. (b) not to do

2. (b) to be

3. (c) had eaten

4. (c) if I was

5. (b) that I should

6. (c) had called

7. (b) what he had done

8. (b) would

9. (a) she hadn’t met

10. (b) to help

D. Complete the sentences in reported speech.

1. (a) gave her great pleasure.

2. (a) must go

3. (b) did not want

4. (b) will pass

5. (c) had won

6. (c) should wait

7. (a) she was

8. (b) had gone

9. (a) I was

10. (b) returned

E. Complete the sentence in reported speech.

1. that he loved that place

2. whether I liked football

3. that he couldn’t drive a lorry

4. to be nice to my brother

5. not to be nasty

6. not to waste their money

7. what he had decided to do

8. that he always wake up early

9. to revise their lessons

10. where I had been

F. Complete the sentence in reported speech.

1. that she had gone to cinema the previous day.

2. that you would do that for him.

3. that he will be writing a test the next day.

4. that she was not hungry then.

5. that they had never been there before.

6. that they had been in London the previous week.

7. that they wouldn’t sleep.

8. whether we had been shopping.

9. that it was very quiet there.

10. that she didn’t speak Italian.

G. Read the dialogue and complete the following passage

(a) why she had not brought her party dress

(b) hadn’t brought it as she had gone to her uncle’s house with her parents; so she had forgotten to keep it

(c) told her not to give silly excuses and further said that she wanted to know the truth.

(a) that he had been watching the sea and that there had not been any trace of a ship

(b) that he had told him the day before that they would be rescued

(c) why he asked him to keep quiet whenever he said something

(d) if he had ever said anything sensible

FAQs on Direct and Indirect Speech Exercises and Answers

Q: what’s the purpose of the indirect speech.

A: Indirect speech allows us to convey someone else’s words without quoting them verbatim. It’s useful for summarizing and paraphrasing.

Q: Are tense changes mandatory in indirect speech?

A: Yes, tense changes are often necessary to accurately reflect the timing of the original statement.

Q: Can reporting verbs be used interchangeably?

A: While reporting verbs can be interchangeable to some extent, their nuances can impact the meaning of the reported speech.

Q: Is it possible to transform any direct speech into indirect speech?

A: Yes, most direct speech can be converted into indirect speech, although some cases may require adjustments.

Q: How can I identify indirect speech in a sentence?

A: Look for keywords like “said,” “asked,” or other reporting verbs, as well as changes in pronouns, tenses, and time expressions.

Q: Why is mastering direct and indirect speech important?

A: Mastering these skills enhances communication clarity, adds variety to language use, and fosters effective expression.

Conclusion:

Direct and indirect speech exercises and answers are invaluable tools for effective communication. By honing this skill, you’ll not only convey information accurately but also showcase your language expertise. Remember that practice makes perfect, and the more you engage in these exercises, the more naturally you’ll incorporate them into your everyday language use.

Related Posts:

Direct and Indirect Speech Exercise

Turn the following sentences into indirect speech.

1.    John said, ‘I am very busy now.’ 2.    He said, ‘The horse has been fed.’ 3.    ‘I know her name and address,’ said John. 4.    ‘German is easy to learn,’ she said. 5.    He said, ‘I am writing letters.’ 6.    ‘It is too late to go out,’ Alice said. 7.    He said to me, ‘I don’t believe you.’ 8.    He says, ‘I am glad to be here this evening.’ 9.    He said to me, ‘What are you doing?’ 10.    ‘Where is the post office?’ asked the stranger. 11.    He said, ‘Will you listen to me?’ 12.    John said to Peter, ‘Go away.’ 13.    She said to me, ‘Please wait here till I return.’ 14.    ‘Call the witness,’ said the judge. 15.    The speaker said, ‘Be quiet and listen to my words.’

1.    John said that he was very busy then. 2.    He said that the horse had been fed. 3.    John said that he knew/knows her name and address. (Note that the tenses may not change if the statement is still relevant or if it is a universal truth.) 4.    She said that German is/was easy to learn. 5.    He said that he was writing letters. 6.    Alice said that it was too late to go out. 7.    He told me that he didn’t believe me. OR He said he didn’t believe me. 8.    He says that he is glad to be here this evening. (When the reporting verb is in the present tense, adverbs of time and place do not normally change in indirect speech.) 9.    He asked me what I was doing. 10.    The stranger asked where the post office is/was. 11.    He asked me if I would listen to him. 12.    John ordered Peter to go away. 13.    She asked me to wait there till she returned. 14.    The judge commanded them to call the first witness. 15.    He urged them to be quiet and listen to them.

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Direct and indirect speech

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Direct and indirect speech exercises

Reported speech exercises PDF

• Learn how to change tenses, pronouns, expressions of time and place in the reported speech.

Reported questions + commands exercises PDF

• Practise the difference between the direct and indirect speech in questions, commands and requests.

Online exercises with answers:

Direct - indirect speech exercise 1 Rewrite sentences in the reported speech.

Direct - indirect speech exercise 2 Report a short dialogue in the reported speech.

Direct - indirect speech exercise 3 Find and correct mistakes in the reported speech.

Direct - indirect speech exercise 4 Choose correct answers in a multiple choice test.

Indirect - direct speech exercise 5 Rewrite sentences from the reported speech to direct speech.

Reported questions, commands and requests:

Reported questions exercise 6 Change the reported questions and orders into direct questions and orders.

Reported questions exercise 7 Change direct questions into reported questions.

Reported commands exercise 8 Make reported commands and requests.

Grammar rules PDF:

Reported speech rules PDF Changes of tenses, pronouns, time and place in reported statements, questions and commands.

English grammar PDF All PDF rules with examples on e-grammar.org.

Direct + indirect speech

See also: Reported questions + commands

The direct and indirect speech are used to say what other people said, thought or felt. "I like it," he said. - He said that he liked it. "Dan will come," she hoped. - She hoped Dan would come.

The reported (indirect) speech is typically introduced by verbs such as say, tell, admit, complain, explain, remind, reply, think, hope, offer, refuse etc. in the past tense. He said (that) he didn't want it. She explained that she had been at the seaside.

If these verbs are in the past tense, we change the following: a) verb tenses and verb forms b) pronouns c) the adverbs of time and place

A) Verb tenses

We change the tenses in the following way:

• Present - past "I never understand you," she told me. - She told me she never understood me. "We are doing exercises," he explained. - He explained that they were doing exercises.
• Present perfect - past perfect "I have broken the window," he admitted. - He admitted that he had broken the window. "I have been waiting since the morning," he complained. - He complained that he had been waiting since the morning.
• Past - past perfect "She went to Rome," I thought. - I thought that she had gone to Rome. "He was thinking of buying a new car," she said. - She said he had been thinking of buying a new car.
• Will - conditional Will changes into the conditional. I will come on Sunday," he reminded me. - He reminded me that he would come on Sunday.

As you can see, both the past tense and the present perfect change into the past perfect.

Notes 1. I shall, we shall usually become would . "I shall appreciate it," he said. - He said he would appreciate it. 2. I should, we should usually change into would . "We should be really glad," she told us. - She told us they would be really glad. 3. May becomes might . "I may write to him," she promised. - She promised that she might write to him.

The verb forms remain the same in the following cases:

• If we use the past perfect tense. Eva: "I had never seen him." - Eva claimed that she had never seen him.
• If the reporting verb is in the present tense. Bill: "I am enjoying my holiday." - Bill says he is enjoying his holiday. Sandy: "I will never go to work." - Sandy says she will never go to work.
• When we report something that is still true. Dan: "Asia is the largest continent." - Dan said Asia is the largest continent. Emma: "People in Africa are starving." - Emma said people in Africa are starving.
• When a sentence is made and reported at the same time and the fact is still true. Michael: "I am thirsty." - Michael said he is thirsty.
• With modal verbs would, might, could, should, ought to, used to. George: "I would try it." - George said he would try it. Mimi: "I might come." - Mimi said she might come. Steve: "I could fail." - Steve said he could fail. Linda: "He should/ought to stay in bed." - Linda said he should/ought to stay in bed. Mel: "I used to have a car." - Mel said he used to have a car.
• After wish, would rather, had better, it is time. Margo: "I wish they were in Greece." - Margo said she wished they were in Greece. Matt: "I would rather fly." - Matt said he would rather fly. Betty: "They had better go." - Betty said they had better go. Paul: "It is time I got up." - Paul said it was time he got up.
• In if-clauses. Martha: "If I tidied my room, my dad would be happy." - Martha said that if she tidied her room, her dad would be happy.
• In time clauses. Joe: "When I was staying in Madrid I met my best friend." - He said that when he was staying in Madrid he met his best friend.
• We do not change the past tense in spoken English if it is clear from the situation when the action happened. "She did it on Sunday," I said. - I said she did it on Sunday. We must change it, however, in the following sentence, otherwise it will not be clear whether we are talking about the present or past feelings. "I hated her," he said. - He said he had hated her.
• We do not usually change the modal verbs must and needn't . But must can become had to or would have to and needn't can become didn't have to or wouldn't have to if we want to express an obligation. Would/wouldn't have to are used to talk about future obligations. "I must wash up." - He said he must wash up/he had to wash up. "I needn't be at school today." - He said he needn't be/didn't have to be at school that day. "We must do it in June." - He said they would have to do it in June. If the modal verb must does not express obligation, we do not change it. "We must relax for a while." (suggestion) - He said they must relax for a while. "You must be tired after such a trip." (certainty) - He said we must be tired after such a trip.

B) Pronouns

We have to change the pronouns to keep the same meaning of a sentence. "We are the best students," he said. - He said they were the best students. "They called us," he said. - He said they had called them. "I like your jeans," she said. - She said she liked my jeans. "I can lend you my car," he said. - He said he could lend me his car.

Sometimes we have to use a noun instead of a pronoun, otherwise the new sentence is confusing. "He killed them," Kevin said. - Kevin said that the man had killed them. If we only make mechanical changes (Kevin said he had killed them) , the new sentence can have a different meaning - Kevin himself killed them.

This and these are usually substituted. "They will finish it this year," he said. - He said they would finish it that year. "I brought you this book," she said. - She said she had brought me the book. "We want these flowers," they said. - They said they wanted the flowers.

C) Time and place

Let's suppose that we talked to our friend Mary on Friday. And she said: "Greg came yesterday."  It means that Greg came on Thursday. If we report Mary's sentence on Sunday, we have to do the following: Mary: "Greg came yesterday." - Mary said that Greg had come the day before. If we say: Mary said Greg had come yesterday , it is not correct, because it means that he came on Saturday.

The time expressions change as follows. now - then, today - that day, tomorrow - the next day/the following day, the day after tomorrow - in two days' time, yesterday - the day before, the day before yesterday - two days before, next week/month - the following week/month, last week/month - the previous week/month, a year ago - a year before/the previous year

Bill: "She will leave tomorrow." - Bill said she would leave the next day. Sam: "She arrived last week." - Sam said she had arrived the previous week. Julie: "He moved a year ago." - Julie said he had moved a year before.

Note If something is said and reported at the same time, the time expressions can remain the same. "I will go on holiday tomorrow," he told me today. - He told me today he would go on holiday tomorrow. "We painted the hall last weekend," she told me this week. - She told me this week they had painted the hall last weekend. On the other hand, if something is reported later, the time expressions are different in the indirect speech. Last week Jim said: "I'm playing next week." If we say his sentence a week later, we will say: Jim said he was playing this week.

Here usually becomes there . But sometimes we make different adjustments. At school: "I'll be here at 10 o'clock," he said. - He said he would be there at 10 o'clock. In Baker Street: "We'll meet here." - He said they would meet in Baker Street.

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Direct and Indirect Exercises With Answers

We often convey a message or give information about what someone said, thought, or felt to somebody else. In order to do this, you can use the grammar structure named  indirect or reported speech.  direct and indirect rules have already talked about, below we have prepared direct and indirect exercises with answers for ESL learners.

• Direct And Indirect Speech Complete Rules
• Direct and Indirect Objects Exercise With Answers

Direct and Indirect Exercises

Attempt the exercises below then compare your answers with the correct answers given below.

Exercise 1:

Turn into reported speech. 1. “It’s hot” Tom said that _______________________________________________________. 2. “I have done my homework.” Tom said that __________________________________________________. 3. “I will give you a book” Tom said that _______________________________________________________. 4. “Do you smoke?” Tom asked me if ____________________________________________________. 5. “Where does Bob live?” Tom asked me where _______________________________________________. 6. “Jane has not arrived yet” Tom told us that________________________________________________________. 7. “I’m so worried,” Tom, told us that_______________________________________________________. 8. “I want to go away”. Tom told us that ____________________________________________________. 9. “You should eat less.” The doctor advised me that _______________________________________. 10. “Don’t shout” The teacher told me________________________________.

Exercise 2:

Turn into direct speech. 1. Mary said she was very tired. Mary said, “____________________________________________________________.” 2. The teacher told the boys to open their books. The teacher said to the boys, “___________________________________________________________.” 3. Tom’s mother told him not to eat any ice cream. Tom’s mother said to Tom: “_____________________________________________________________.” 4. My friend said that he was going skiing at the weekend. My friend said: “__________________________________________________at the weekend.” 5. Bob’s mates told the teacher that Bob was ill that day. Bob’s mates said: “Teacher,__________________________________________________________ today.” 6. Mary told Jane she would help her. Mary said to Jane,”____________________________________________________.” 7. I said I would have bought a new car if I had had the money. I said,”_______________________________________________________________________________.” 8. My father told me to look for a job if I wanted more money. My father said:”_____________________________________________________________.” 9. Tim wrote to his brother that their cat had died that day. Tim wrote to his brother: “________________________________________________________________.” 10. The teacher informed the students that the break lasted ten minutes. The teacher said to the students,”____________________________________________________________.”

Exercise 3:

Turn the following questions into reported speech. 1. “Where do you live?” Mary asked Tom, “______________________________________________.” 2. “How are you going to travel to Italy?” Mary asked Tom__________________________________________________. 3. “Why did you buy that book?” Mary asked Tom___________________________________________________. 4. “What’s the time?” Mary asked Tom__________________________________________________. 5. “Who helped you with your work?” Mary asked Tom______________________________________________.

Choose the right option 6. I (said/told) her not to disturb me. 7. My friend never (told/said) me about his plans. 8. The teacher (that/said) that we had to study harder. 9. Don’t (tell/say) me what I have to do. 10. He did not (say/tell) why he was late.

Exercise 4:

The following sentences use quoted speech. Change the following sentences from quoted speech to reported speech. 1.) James said, “I am watching TV.” 2.) Professor Jones said, “I worked all day!” 3.) The president said, “I will be visiting Italy in December.” 4.) The weatherman announced, “It may rain today.” 5.) My father screamed, “I have to go to the airport, now!” 6.) Then my mother said, “I must take your father.” 7.) The psychologist said, “You should calm down.” 8.) I responded, “I ought to leave the office.” 9.) Mark said, “I love visiting China and Korea.” 10.) Martin said, “I can be a great president!” 11.) Sung-He said, “Close the windows” 12.) Bobby will say, “I have already done direct and indirect speech exercises.”

Related Articles:

• Direct and Indirect of Modal Auxiliaries
• Direct and Indirect of Future Perfect Progressive
• Direct and Indirect of Future Perfect Tense
• Direct and Indirect of Future Progressive Tense
• Direct and Indirect of Simple Future Tense
• Direct and Indirect of Past Perfect Progressive
• Direct and Indirect of Past Perfect Tense

Exercise 1.

• Tom said that it was hot.
• Tom said that he had done his homework.
• Tom said that he would give me a book.
• Tom asked me if I smoked.
• Tom asked me where Bob lived.
• Tom told us that Jane had not arrived yet.
• Tom told us that he was so worried.
• Tom told us that he wanted to go away.
• The doctor advised me that I should eat less.
• The teacher told me not to shout.

Exercise 2.

• Mary said, “I am very tired.”
• The teacher said to the boys, “open your books.”
• Tom’s mother said to Tom: “Don’t eat any ice cream.”
• My friend said:” I am going skiing on the weekend.
• Bob’s mates said: “Teacher, Bob is ill today.”
• Mary said to Jane, “I will help you.”
• I said, “I will have bought a new car if I had had the money.”
• My father said: “look for a job if I want more money.”
• Tom wrote to his brother:” Our cat died today.”
• The teacher said to the student, “the break lasts ten minutes.”

Exercise 3.

• Mary asked Tom, “Where he lived.”
• Mary asked Tom how he was going to travel to Italy.
• Mary asked Tom why he bought that book.
• Mary asked Tom what was the time.
• Mary asked Tom who helped him with his work.
• I told her not to disturb me.
• My friend never told me about his plans.
• The teacher said that we had to study harder.
• Do not tell me what I have to do.
• He did not say why he was late.

Exercise 4.

• James said that he was watching TV.
• Professor Jones said that he had worked all day.
• The president said that he would be visiting Italy in December.
• The weatherman announced that it might rain that day.
• My father screamed that he had to go to the airport, then.
• Then my mother said that she had to take my father.
• The psychologist said that I should calm down.
• I responded I ought to leave the office.
• Mark said that he loved visiting China and Korea.
• Martin said that he could be a great president.
• Sung-He ordered to close the windows.
• Bobby will say that he has already done Direct and Indirect Exercises.

I hope the direct and indirect exercises were helpful to you and if you would like to know more about direct or quoted speech, or indirect or reported speech, check out more in the book below.

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Exercise 3 Mary asked Tom why he HAD bought that book. Mary asked Tom who HAD helped him with his work.

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Direct and indirect speech exercises

There are many occasions in which we need to describe an event or action that happened, and very often that includes repeating what someone said. Such occasions can include a social situation as well as in a work email or presentation. In order to describe what people said there are two different types of speech – direct speech and indirect speech (or reported speech).

Read the article below to find out more about these forms and improve your English storytelling skills.

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Direct Speech

When we want to describe what someone said, one option is to use direct speech . We use direct speech when we simply repeat what someone says, putting the phrase between speech marks:

• Paul came in and said, “I’m really hungry.”

It is very common to see direct speech used in books or in a newspaper article. For example:

• The local MP said, “We plan to make this city a safer place for everyone.”

As you can see, with direct speech it is common to use the verb ‘to say’ (‘said’ in the past). But you can also find other verbs used to indicate direct speech such as ‘ask’, ‘reply’, and ‘shout’. For example:

• When Mrs Diaz opened the door, I asked, “Have you seen Lee?”
• She replied, “No, I haven’t seen him since lunchtime.”
• The boss was angry and shouted, “Why isn’t he here? He hasn’t finished that report yet!”

Indirect Speech

When we want to report what someone said without speech marks and without necessarily using exactly the same words, we can use indirect speech (also called reported speech). For example:

• Direct speech: “We’re quite cold in here.”
• Indirect speech: They say (that) they’re cold.

When we report what someone says in the present simple, as in the above sentence, we normally don’t change the tense, we simply change the subject. However, when we report things in the past, we usually change the tense by moving it one step back. For example, in the following sentence the present simple becomes the past simple in indirect speech:

• Direct speech: “I have a new car.”
• Indirect speech: He said he had a new car.

All the other tenses follow a similar change in indirect speech. Here is an example for all the main tenses:

The same rule of moving the tenses one step back also applies to modal verbs. For example:

Using ‘say’ or ‘tell’

As an alternative to using ‘say’ we can also use ‘tell’ (‘told’ in the past) in reported speech, but in this case you need to add the object pronoun. For example:

• He told me he was going to call Alan.
• They told her they would arrive a little late.
• You told us you’d already finished the order.

Changing Time Expressions

Sometimes it’s necessary to change the time expressions when you report speech, especially when you are speaking about the past and the time reference no longer applies. For example:

• Direct speech: “I’m seeing my brother tomorrow .”
• Indirect speech: She said she was seeing her brother the following day .

Here are some other examples:

• Direct speech: “I had a headache yesterday .”
• Indirect speech: You said you’d had a headache the day before yesterday .
• Direct speech: “It’s been raining since this afternoon .”
• Indirect speech: He said it’d been raining since that afternoon .
• Direct speech: “I haven’t seen them since last week .”
• Indirect speech: She said she hadn’t seen them since the previous week .

Reporting Questions

When you report a question you need to change the interrogative form into an affirmative sentence, putting the verb tense one step back, as with normal reported speech.

There are two types of questions that we can report – questions that have a yes/no response, and questions that begin with a question word like ‘what’, ‘where’, ‘who’ etc. When we report a yes/no question, we use ‘if’. For example:

• Direct speech: “Do they live here?”
• Indirect speech: You asked me if they lived here.

As you can see, in the reported version of the question, ‘do’ is eliminated because it is no longer a question, and the verb ‘live’ becomes ‘lived’.

For questions starting with question words like ‘what’, ‘where’, ‘when’, ‘who’, etc., we report the question using the question word but change the interrogative form to the affirmative form. For example:

• Direct speech: “Where do they live?”
• Indirect speech: You asked me where they lived.
• Direct speech: “When are you leaving?”
• Indirect speech: He asked us when we were leaving .
• Direct speech: “How will they get here?”
• Indirect speech: She asked me how they would get here.

When we report a question we normally use the verb ‘ask’. As with the verb ‘to tell’, the verb ‘to ask’ is normally followed by an object pronoun, though it is possible to omit it.

Reporting Orders and Requests

When you give someone an order, you use the imperative form, which means using just the verb without a subject. For example:

• “ Call me back later.”
• “ Have a seat.”
• “ Don’t do that!”

To report an order we use ‘tell’ and the infinitive of the verb. For example:

• You told me to call you back later.
• He told me to have a seat.
• She told us not to do that.

When you make a request, you normally use words like ‘can’, ‘could’, or ‘will’. For example:

• “Could you call me back later?”
• “Will you have a seat?”
• “Can you not do that please?”

To report a request, we use the verb ‘to ask’ and the infinitive form of the verb. For example:

• You asked me to call you back later.
• He asked me to have a seat.
• She asked us not to do that.

Now you’ve seen how we use direct and indirect speech , practice using them yourself. An excellent and easy way to see how they are used is by reading a short story in English or a news article online, because stories and articles contain many examples of reported speech.

A prepositional verb is a verb that is followed by a preposition. Do you want to know more? Read on to find out.

The Simple Present is the most basic and fundamental verb tense you need to learn in English. It is the tense that enables us to give basic information about ourselves, express desires and share opinions. Here is a detailed look at how to form the Simple Present and when to use it, with lots of examples.

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DIRECT AND INDIRECT SPEECH: WORKSHEETS WITH ANSWERS - 28 EXERCISES

Subject: English

Age range: 7-11

Resource type: Worksheet/Activity

Last updated

26 June 2021

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A unit set of worksheets with answers on direct and indirect speech with 6 sessions on teaching and learning based on New Bloom’s Taxonomy.

This download includes:

EXERCISE 1: ROVING REPORTER: In your groups you will be recreating a TV news broadcast for event of the day, week, month or year like school assembly, teacher’s day, world peace day, literacy day, children’s day, environment day, world earth’s day, world book day or … EXERCISE 2: Identify the structure of the sentences when verbs are in the direct and indirect speech. EXERCISE 3: Answer these questions to test your understanding of the key terms used to understand direct and indirect speech. EXERCISE 4: Give examples to show how the adverbs of nearness in direct speech change into those of distance in indirect. Give examples to show the changes in modal verbs from direct speech to indirect. EXERCISE 5: Answer these questions to test your understanding of the changes seen in adverbs when converting direct into indirect speech. EXERCISE 6: Answer these questions to test your understanding of the changes seen in modal verbs when converting direct into indirect speech. EXERCISE 7: Give examples to show how the pronouns in direct speech change when in indirect. EXERCISE 8: Answer these questions to test your understanding of the changes seen in pronouns when converting direct into indirect speech. EXERCISE 9: Give examples for the rules followed in changing functional sentences from direct to indirect speech. Scaffolding Notes 6: Rules for Converting Functional Sentences from Direct to Indirect Speech EXERCSIE 10: Apply the rules of reported speech and verbalise the following visuals into direct and indirect speech. EXERCISE 11: Choose the one alternative which best expresses the given sentences in either direct or indirect speech. EXERCISE 12: Attempt the quiz to test your understanding of the rules followed for converting functional sentences from direct to indirect speech. EXERCISE 13: Give examples to show the tense changes from direct speech into indirect. EXERCISE 14: Answer these questions to test your understanding of the changes seen in tenses when converting direct into indirect speech. EXERCISE 15: Evaluate the correct use of punctuation in direct and indirect speech – Part 1. EXERCISE 16: Evaluate the correct use of punctuation in direct and indirect speech – Part 2. EXERCISE 17: Use narrative techniques, such as dialogue to develop experiences, events and characters. EXERCISE 18: Convert the following statements into indirect speech. EXERCISE 19: Punctuate the following to put them in direct speech. EXERCISE 20: Convert ‘Yes’ or ‘No’ type questions to indirect speech. EXERCISE 21: Choose - enquired, wondered, asked, told or said - to convert the following dialogues to indirect speech. EXERCISE 22: Convert the following ‘WH’ questions to indirect speech. EXERCISE 23: Write the following dialogues in direct speech and then complete the sentences to put them in indirect.

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ENGLISH GRAMMAR: WORKSHEETS WITH ANSWERS - BUNDLE

This bundle of 6 products (Worksheets with Answer Key) is perfect for teaching English Grammar. These no prep activities would be great for ELA lessons or ELA centers. Your students will love these exciting exercises that are excellent for student engagement. This bundle includes Worksheets on: * Subject-Verb Agreement: 14 Exercises * Active and Passive Voice: 19 Exercises * Direct and Indirect Speech: 28 Exercises * Moods of Verbs: 15 Exercises * Verbals – Gerunds, Participles, Infinitives: 16 Exercises * Grammatical Cases: 15 Exercises More Grammar Bundles by the same Author: * Boom Cards: 6 Decks * Google Slides: 6 Presentations * PowerPoint Presentations: 6 Lessons * Unit Lessons: 6 Plans * Worksheets with Answers: 6 Sets * Scaffolding Notes: 6 Sets ◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈ Save 50% on this BUNDLE! Note: These are also sold separately! ◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈

DIRECT AND INDIRECT SPEECH: BUNDLE

These bundled resources are perfect for teaching Grammar - Direct and Indirect Speech. These no prep activities would be great for English lessons or English centers. Your students will love these ELA Boom Cards, Google Slides, PPT, Unit Plan, Worksheets with Answers and Scaffolding Notes. After completing this unit students will be able to: * List the similarities and differences between direct and indirect speech. * Identify the changes seen in adverbs, modal verbs and pronouns when converting direct into indirect speech. * Identify the structure of the sentences when the speech is direct and indirect. * Test their understanding of the changes seen in verb tenses when converting direct into indirect speech. * Use commas, inverted commas and relevant end punctuation to mark direct speech and quotations. * Use narrative techniques, such as dialogue to develop experiences, events and characters. This download includes: * Scaffolding Notes: 10 Handouts * Worksheets with Answers: 28 Exercises * Unit Lesson Plan: 33 Pages * PowerPoint Presentation: 37 Slides * Google Slides: 37 Slides * Boom Cards: 69 Digital Task Cards Here are some possible uses for these in your classroom: To challenge early finishers For effective tutoring As ESL stations and sub tubs As holiday work and homework For small group collaborations For an end of unit assessments For reinforcement and enrichment ◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈ Save 50% on this BUNDLE! Note: These are also sold separately! ◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈◈

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Direct and Indirect Speech Worksheets

Related ela standard: l.6-7.1.

Direct speech is basically a quote or the literal words that were spoken by a subject. When you use this in your writing it must be surrounded by quotation marks (" "). Using direct quotes helps your audience understand the frame of mind of the subject. Indirect speech is reporting what was said by a subject. Since all indirect speech has already happened it is reported in the past tense. To display indirect speech we surround it with inverted commas (' '). These worksheets will have students using this technique in the own writing and help them with syntax and mechanics of their work.

Direct and Indirect Speech Worksheets To Print:

What's Your Approach - Determine whether each sentence below contains this form of expression. Write direct or indirect on the line.

Sentence Smasher - Rewrite each sentence using indirect speech.

Peter and Dan - Read the passage. Underline the speaker's words. Then, rewrite the passage, incorporating this in there.

Too Much? - If the sentence is uses the direct form, write a D on the line. If it uses the indirect form, write an I on the line.

Be The Director - The comic strip below uses speech bubbles to show the direct form. Rewrite the comic strip on the lines below, using the indirect form.

Revising the Direct Form - Read the script. On the lines, rewrite the script as a paragraph, using indirect speech.

Speaker's Words - Indirect speech is when a speaker's words are reported by someone else, and the words are not quoted.

A Walk in the Park - Read the script. Rewrite it in paragraph form using both formats. Follow the directions in parentheses.

Play Re-writes - John said his train would arrive at noon and maybe it did.

Using Roundabouts - Read the cartoon. Then describe what is happening. Use the indirect technique in your paragraph to tell the reader what Abe and Lauren say.

Who Said That? - Underline what the speaker says in each sentence. Then rewrite each sentence using the proper form.

About the Car... - You want to know if Dad will let you take the car.

What Did They Say? - Rewrite the sentences using all the techniques that you have learned so far. Make sure the syntax is spot on.

Tell Me About the Party - Will told us all about the party. He said there were about ten people there. I asked him about Robert, and confirmed that Robert was in attendance.

Writing The Other Way - Most students find this harder to do then its counterpart.

What Is the Difference Between Direct and Indirect Speech

Here are the basic differences between direct and indirect speech.

Difference In Meaning

There are two ways to describe the speech. These two ways are known as indirectly and directly. These two methods are widely used in the English language to imply what others have said. Both have different rules when writing.

The direct form occurs when the exact same words of the speech are repeated without any interruptions or additions. Direct speech implies exactly what has been said in the same tone. The actual words that were used by the speaker are written in indirect speech. Nothing new is added. Expressions are also mentioned in the exact same way by maintaining the tone of the actual speaker. The direct form is used when you do want to keep things simple and accurate.

The indirect form occurs when the actual words of the speaker are not quoted. Indirect speech changes certain elements from the actual words. It occurs when someone else tries to speak the original words.

Difference In Alternative Name

Both direct and indirect speech have their own alternative names. Direct format is commonly known as quoted speech. Whereas, indirect form is commonly known as reported speech.

Difference In Point Of View

The indirect and direct speech also differ in point of views. The point of view of the direct speech is that of the speaker. Whereas, the point of view of indirect form is that of the listener.

Difference In Usage

The use of this technique in written has a difference in purpose and usage as well. The direct form is used when we want the reader to know what exactly was said by the speaker. No change in the message really ever occurs. Whereas, the indirect technique is used when we use our own words to report the words of someone else.

Difference In Quotation Marks

Direct technique uses quotation marks whereas, the indirect form does not use quotation marks.

Direct: She said, "I am going to the market". Indirect: She said that she was going to the market.

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• Reported Speech (Indirect speech)

DIRECT AND INDIRECT SPEECH

Direct And Indirect Speech Quiz: Test Your Skills

Are you eager to assess your English grammar proficiency in an enjoyable manner? Dive into this Direct and Indirect Speech Quiz to gauge your knowledge of these two forms of reported speech. Reporting speech involves conveying someone else's words, and it can be done in two primary ways: direct and indirect speech. In direct speech, you repeat the speaker's words verbatim. In contrast, indirect speech conveys the speaker's message without using their exact words. This quiz presents an engaging opportunity to test your understanding of these concepts and improve your grammatical skills. By participating in this quiz, you Read more can enhance your grasp of the nuances between direct and indirect speech, which is essential for effective communication and writing. So, are you ready for the challenge? Let's embark on this educational journey and see how well you can navigate the intricacies of reported speech. Best of luck!

Direct And Indirect Speech Questions and Answers

What would the indirect speech be: maria said, "it's my car.".

Maria said that it is my car.

Maria said that it is her car.

Maria said that it was my car.

Maria said that it was her car.

Rate this question:

What would the indirect speech be: Martin said, "I work here every day."?

Martin said that he worked here yesterday.

Martin said that he worked there every day.

Martin said that he works here every day.

Martin said that he worked every day.

What would the indirect speech be: Monica said, "I have finished my homework."?

Monica said that she had finished her homework.

Monica said that she had finished my homework.

Monica said that she has finished her homework.

Monica said that she has finished my homework."

What would the indirect speech be: My daughter said to me, "I can sleep alone."?

My daughter said to me that I can sleep alone.

My daughter told me that she can sleep alone."

My daughter said to me that she could sleep alone.

My daughter told me that she could sleep alone.

What would the indirect speech be: Leo said, "My friend may come tonight."?

Leo said that his friend might come tonight.

Leo said that his friend might come that night.

Leo said that his friend might go that night.

Leo said that his friend might go tonight.

What would the indirect speech be: Jullie said to me, "I have to win this game."?

Jullie told me that she must win this game.

Jullie told me that she had to win that game.

Jullie told me that she had to win this game.

Jullie told me that she must win that game.

What would the indirect speech be: He said, "I am a man."?

He said that he was a man.

He said that he is a man.

He said that I am a man.

He said that I was a man.

What would the indirect speech be: Mary said, "I am coming here."?

Mary said that she was coming there.

Mary said that she is coming there.

Mary insists that she had been coming there.

Mary says that she had come here.

What would the indirect speech be: My brother said, "I went to school yesterday."?

My brother said that he had gone to school today.

My brother said that he had gone to school the day after.

My brother said that he had gone to school the previous day.

My brother said that he had gone to school the next day.

What would the indirect speech be: Mathew said, "I will go to school next year."?

Mathew said that he would go to school the year before.

Mathew said that he would go to school the following year.

Mathew said that he would come to school the year before.

Mathew said that he would come to school the year after.

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Direct And Indirect Speech Worksheet For Class 10

by Manjusha · Published May 19, 2022 · Updated May 1, 2023

Sentences are given in direct speech. Change them into indirect speech.

1. ‘When are you leaving for Mumbai?’ James asked me.

2. ‘Was there a big crowd at the meeting?’ asked the man.

3. ‘Is Varun present today?’ the teacher asked.

4. ‘Do you believe that you will pass the test?’ he asked me.

5. Lakshmi said, ‘I am going to school.’

6. The mother said to the boy, ‘Wait here until I return.’

7. ‘Don’t waste all of your money on gadgets,’ mother told her son.

8. ‘When did you leave school?’ the man asked the boy.

9. ‘Will you buy my hair?’ Della asked Madam.

10. ‘Where were you all the time?’ the father asked the boy.

11. ‘My Lord, is any of your silver missing?’ the Sergeant said to the Bishop.

12. ‘I cannot understand why the spring is so late in coming,’ said the selfish giant.

1. James asked me when I was leaving for Mumbai.

2. The man asked whether / if there had been a big crowd at the meeting.

3. The teacher asked if / whether Varun was present that today.

4. He asked me if I believed that I would pass the test.

6. The mother asked the boy to wait there until she arrived.

7. The mother told her son / advised her son not to waste all of his money on gadgets.

8. The man asked the boy when he left school.

9. Della asked Madam if/whether she would buy her hair.

10. The father asked the boy where he had been all the time.

11. The Sergeant asked the Bishop if / whether any of his silver was missing.

12. The selfish giant said that he couldn’t understand why the spring was so late in coming.

Direct and Indirect Speech Worksheets

• Direct and indirect speech exercise | Reporting WH Questions
• Reported speech exercise for class 10
• Direct and indirect speech worksheet for class 10
• Indirect speech worksheet for class 10
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Direct and Indirect Speech in Comics – Worksheet

Updated:  24 Jun 2024

Practice writing direct and indirect speech using a set of printable Direct Speech Comic Book worksheets.

Editable:  Google Slides

Non-Editable:  PDF

Pages:  1 Page

• Curriculum Curriculum:  CCSS, TEKS

Grades:  3 - 7

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Looking for Some Comic Relief When Teaching Direct and Indirect Speech?

This resource is a great way to motivate students to practise recording dialogue. The use of direct (quoted) and indirect (reported) speech is a tricky writing skill and one that requires lots of repetition to perfect. 

This set of worksheets is designed for individual use. Students are provided with a page containing six comic frames, each depicting dialogue in speech bubbles. There is a corresponding worksheet for each frame. Students convert the dialogue shown in the comic frame into both a direct-speech version and an indirect-speech version. 

In completing the worksheets, students hone their punctuation skills as they place speech marks, commas and full stops in their sentences. There is also the opportunity to demonstrate their knowledge of ‘saying verbs’ when they re-write the dialogue. Encourage your students to broaden their vocabulary of synonyms for ‘said’ in their writing.

Scaffold and Extend Your Punctuation Lesson Plans

In addition to individual student work time, use this worksheet as a:

• guided literacy group activity 
• homework assignment
• whole-class review (via smartboard)

Support struggling students by limiting the amount of writing they have to do. They could simply complete either the direct speech version or the indirect speech version rather than doing both. Alternatively, do away with the writing altogether and work orally with the students. Several students could act out the scenarios while one person acts as a narrator.

After completing the worksheets, challenge your fast finishers to choose one of the frames and continue creating their own comic or narrative to match.

Easily Download & Print (Or Go Digital)

The Download button has a dropdown icon, which allows you to choose between the PDF and Google Slides versions of this resource. The Google Slides version has been adapted with preset text boxes for students to type in, just in case you’d like this to be a fully digital learning activity.

Don’t stop there! We’ve got more activities related to direct and indirect speech:  

teaching resource

Writing out loud: dialogue punctuation worksheet.

Practice using quotation marks in writing with a Punctuating Dialogue worksheet.

Dealing With Direct Speech - Worksheet

Use this worksheet when teaching students the rules for punctuating direct speech.

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June 26, 2024

The Consequences of Bank Capital Reform

Governor Michelle W. Bowman

At the ISDA Board of Directors, London, England

I would like to thank the International Swaps and Derivatives Association (ISDA) for the invitation to speak to you today. 1 I appreciate the opportunity to engage with you on matters that affect the swaps and derivatives industry, specifically how we can best consider and address the potential consequences of bank capital reform measures, both in the United States and around the world. Before doing so, I will share my views on the economy and monetary policy in the United States.

Update on the Economy and Monetary Policy Outlook Over the past two years, the Federal Open Market Committee (FOMC) has significantly tightened the stance of monetary policy to address high inflation. At our meeting earlier this month, the FOMC voted to continue to hold the federal funds rate target range at 5-1/4 to 5-1/2 percent and to continue to reduce the Federal Reserve's securities holdings.

After seeing considerable progress on slowing inflation last year, we have seen only modest further progress this year. The 12-month measures of total and core personal consumption expenditures (PCE) inflation have moved roughly sideways or slightly down since December and remained elevated at 2.7 percent and 2.8 percent, respectively, in April. The consumer price index (CPI) report for May showed 12-month core CPI inflation slowing to 3.4 percent from 3.6 percent in April. However, with average core CPI inflation this year through May running at an annualized rate of 3.8 percent, notably above average inflation in the second half of last year, I expect inflation to remain elevated for some time.

The recent pickup in inflation in the first several months of 2024 was evident across many goods and services categories, suggesting that inflation was temporarily lower in the latter half of last year. Prices continue to be much higher than before the pandemic, which is weighing on consumer sentiment. Inflation has hit lower-income households hardest since food, energy, and housing services price increases far outpaced overall inflation throughout this episode.

Economic activity increased at a strong pace last year but appears to have moderated early this year. First-quarter gross domestic product growth was slower than in the second half of last year, though private domestic final purchases continued to rise at a solid pace. Continued softness in consumer spending and weaker housing activity early in the second quarter also suggest less momentum in economic activity so far this year.

Payroll employment continued to rise at a solid pace in April and May, though slightly slower than in the first quarter, partly reflecting increased immigrant labor supply. Despite some further rebalancing between supply and demand, the labor market remains tight. The unemployment rate edged up to 4.0 percent in May, while the number of job openings relative to unemployed workers declined further to near its pre-pandemic level. Labor force participation dropped back to 62.5 percent in May, which suggests no further improvement in labor supply along this margin, as labor force participation among those aged 55 and older has been persistently low.

At its current setting, our monetary policy stance appears to be restrictive, and I will continue to monitor the incoming data to assess whether monetary policy is sufficiently restrictive to bring inflation down to our target. As I've noted recently, my baseline outlook continues to be that inflation will decline further with the policy rate held steady. And should the incoming data indicate that inflation is moving sustainably toward our 2 percent goal, it will eventually become appropriate to gradually lower the target range for the federal funds rate to prevent monetary policy from becoming overly restrictive. However, we are still not yet at the point where it is appropriate to lower the policy rate, and I continue to see a number of upside risks to inflation.

First, much of the progress on inflation last year was due to supply-side improvements, including easing of supply chain constraints; increases in the number of available workers, due in part to immigration; and lower energy prices. It is unlikely that further improvements along this margin will continue to lower inflation going forward as supply chains have largely normalized; the labor force participation rate has leveled off in recent months below pre-pandemic levels; and an open U.S. immigration policy over the past few years, which added millions of new immigrants in the U.S., may become more restrictive.

Geopolitical developments could also pose upside risks to inflation, including the risk that spillovers from regional conflicts could disrupt global supply chains, putting additional upward pressure on food, energy, and commodity prices. There is also the risk that the loosening in financial conditions since late last year, reflecting considerable gains in equity valuations, and additional fiscal stimulus could add momentum to demand, stalling any further progress or even causing inflation to reaccelerate.

Finally, there is a risk that increased immigration and continued labor market tightness could lead to persistently high core services inflation. Given the current low inventory of affordable housing, the inflow of new immigrants to some geographic areas could result in upward pressure on rents, as additional housing supply may take time to materialize. With labor markets remaining tight, wage growth has been elevated at around or above 4 percent, still higher than the pace consistent with our 2 percent inflation goal, given trend productivity growth.

In light of these risks, and the general uncertainty regarding the economic outlook, I will continue to watch the data closely as I assess the appropriate path of monetary policy. The frequency and extent of data revisions over the past few years make the task of assessing the current state of the economy and predicting how the economy will evolve even more challenging. I will remain cautious in my approach to considering future changes in the stance of policy.

It is important to note that monetary policy is not on a preset course. In my view, we should consider a range of possible scenarios that could unfold when considering how the FOMC's monetary policy decisions may evolve. My colleagues and I will make our decisions at each FOMC meeting based on the incoming data and the implications for and risks to the outlook. While the current stance of monetary policy appears to be at a restrictive level, I remain willing to raise the target range for the federal funds rate at a future meeting should the incoming data indicate that progress on inflation has stalled or reversed. Restoring price stability is essential for achieving maximum employment over the longer run.

Grappling with the Unintended Consequences of Bank Capital Reform I will turn now to the issue of bank capital reform, and the implications of adopting and implementing the Basel III "endgame" standards both in the United States and around the world.

Considering capital and debt requirements in the aggregate Capital requirements are an important component of the prudential regulatory frameworks and interconnected banking and financial systems around the world. As you know, the U.S. has lagged our E.U. and U.K. counterparts in fully implementing the Basel III capital standards. In July 2023, the U.S. federal banking agencies issued a public consultation on implementing what the U.S. calls the Basel III "endgame" capital reforms. 2 The response to the U.S. capital proposal has been overwhelmingly negative, including from a broad range of stakeholders. I have previously spoken at length about my concerns with the proposal, and as public commenters have reviewed it, they have identified additional areas of concern. 3

In my view, the concerns are well-founded. The proposal acknowledged that the revisions, if implemented, would result in an estimated 20 percent aggregate increase in total risk-weighted assets across bank holding companies subject to the rule. Individual impacts would vary not only by firm, but also by business line. For any particular business line or product, the aggregate impact of the proposed capital changes could result in a more significant increase, depending upon the firm's characteristics. Consider the impact on business lines subject to the market risk capital rule. As noted in the proposal, the revisions to the market risk rule alone would increase risk-weighted assets from $430 billion to $760 billion for Category I and II firms, and from $130 billion to $220 billion for Category III and IV firms. 4

Even this example ignores the additive capital increases from other aspects of the rule, such as the operational risk charge "overlay" that may separately result in a higher capital charge for the same business line, if that line is also generating fee income. The changes that may affect any particular financial product or service vary but could include impacts across all aspects of the proposal. For many of the derivatives and swaps activities in which banking entities engage, the aggregate impacts on different business lines could result from changes to the market risk rule, the calculation of credit valuation adjustments, and the treatment of securities financing transactions, among others.

So far, what I have described are just the aggregate effects of capital increases that would appear within the four corners of the U.S. Basel III endgame proposal. We know that these changes do not exist in a vacuum. A particular firm can also be impacted by changes to the global systemically important bank (G-SIB) surcharge and long-term debt requirements. The firm's business planning would also need to consider existing requirements, such as leverage and "total loss-absorbing capacity" requirements. By design, these elements are intended to be complementary, often seeking to capture different risks, operate as "backstop" capital standards, promote resiliency, and be available for recapitalization in resolution.

Despite the goal that the capital framework operates in a holistic fashion, the rulemaking process in the United States has taken a fragmented approach. This process has seemed to ignore the interrelationships of the requirements. We cannot fully understand the intended and unintended consequences of any regulatory reform, including capital reform, without using a broader lens to consider the interconnections and interrelationships among different capital and debt requirements that apply in the banking system.

This narrow approach to rulemaking—focusing on a specific reform, without considering the broader framework—has created a corresponding narrowness when we think about the consequences of regulatory reform. This challenge has been particularly acute in the capital and debt space simply because there are so many requirements that are intended to operate in a complementary way, and that in the aggregate may overlap or conflict, generating unintended consequences. The Federal Reserve has expressly acknowledged the complementary nature of these requirements, for example in noting that some leverage ratio requirements operate as a backstop to risk-based capital requirements. 5 And yet, the discussions of costs and benefits of reform tend to disregard the aggregate impact across rules, even when related reforms are proposed at the same time and the aggregate impacts can be identified and assessed. 6

Considering direct and indirect consequences With respect to the Basel III "endgame" reforms, much of the discussion of consequences has focused on the direct consequences to the availability and price of credit, resulting from the proposed changes to risk-weighted assets. These issues resonate with households and businesses. Everyone understands the direct impact on their own household finances or their business's bottom line from higher costs of lending. Often overlooked are the direct and indirect consequences of capital reforms on financial products such as derivatives and swaps. These products can seem exotic to the public, but we know they play a significant role in the financial system and the broader economy, including commodities price hedging by end-users, such as agricultural producers. And it is certainly foreseeable that proposed capital reforms could impair market liquidity.

We also know that regulatory reforms—especially capital reforms with a direct link to particular products, services, and markets—can cause broader changes in firm behavior. Some banks may raise prices on particular products based on their internal allocation of increased capital charges. And some banks may discontinue certain products or services that cannot be offered in a cost-effective way. These choices will impact the competitive landscape into the future, and in some cases—such as where significant economies of scale are required to offer a product or service—the end result may be that some banks exit certain product markets, resulting in increased concentration and higher prices for households and businesses.

While I am acutely aware of our need to consider these costs and price effects, I am also aware that regulators sitting in Washington, D.C. are not well-equipped to query and understand these real-world consequences of reform. In my view, the commenter feedback we have received on these issues has helped to illuminate these consequences. My hope is that we take them into account when moving forward to implement the Basel III endgame standards.

The path forward I do see a path forward to implement Basel III, one that not only addresses the overall calibration and international consistency and comparability, but also makes more granular changes that will improve the effectiveness and efficiency of the rule. In terms of this path, I will briefly outline what I see as necessary procedural steps, while also providing a non-exclusive list of substantive changes that I believe are necessary to improve the proposal.

In October 2023, the Federal Reserve initiated a data collection to gather information from the banks affected by the U.S. proposal. I am hopeful that these data will allow regulators to better understand the proposal's impact and identify areas for revision. Any next step in this rulemaking process will require broad and material changes. It should also be accompanied by a data-driven analysis of the proposal and be informed by the significant public input received during the rulemaking process. This should assist policymakers in creating a path to improve the rulemaking. My hope is that policymakers pay closer attention to the balance of costs and benefits while considering the direct and indirect consequences of the capital reform.

I have previously identified a number of specific areas and procedural steps that would be necessary to address in any future efforts to revise this proposal. Some of these issues include

• addressing redundancy in the capital framework (for example, between the new market risk and operational risk requirements, and the stress capital buffer);
• recalibrating the market risk rule specifically, where some of the biggest outlier increases in risk-weighted assets would appear;
• adopting a more reasonable treatment for non-interest and fee-based income through the operational risk requirements, which could deter banks from diversifying revenue streams, even though such diversification can enhance an institution's stability and resilience;
• reviewing the impact of capital requirements, including leverage ratio requirements, on U.S. Treasury market intermediation and liquidity;
• incorporating tailoring in the applicability of Basel III capital reforms, specifically looking at whether each element of the Basel III capital proposal is appropriate for non-G-SIB firms that are not internationally active; and
• re-proposing the Basel III standards to address the broad and material reforms that I believe should be included in any final rule, including granular changes to address the specific issues raised by commenters, as appropriate. 7

While these steps would be a reasonable starting place, they are not a replacement for a data-driven analysis and a careful review of the comments submitted. This would result in a better proposal that includes not only changes to address these concerns, but also the many other concerns raised by the public.

Closing Thoughts It has been a pleasure speaking with you today. Your industry plays an important role not only in the U.S. economy, but also in the broader world economy. It is imperative that regulators not lose sight of the practical implications of regulatory reform, even as the U.S. considers the next steps in moving forward to adopt the final Basel III capital reforms.

1. The views expressed here are my own and not necessarily those of my colleagues on the Federal Open Market Committee or the Board of Governors of the Federal Reserve System. Return to text

2. Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation (FDIC), and Office of the Comptroller of the Currency (OCC), " Agencies Request Comment on Proposed Rules to Strengthen Capital Requirements for Large Banks ," news release, July 27, 2023; OCC, Board of Governors of the Federal Reserve System, and FDIC, " Regulatory Capital Rule: Large Banking Organizations and Banking Organizations with Significant Trading Activity (PDF) ," 88 Fed. Reg. 64,028–64,343 (September 18, 2023). Return to text

3. See dissenting statement, " Statement by Governor Michelle W. Bowman " on the proposed rule to implement the Basel III endgame agreement for large banks, news release, July 27, 2023 ; Michelle W. Bowman, " Remarks on the Economy and Prioritization of Bank Supervision and Regulation (PDF) " (speech at the New York Bankers Association's Financial Services Forum, Palm Beach, Florida, November 9, 2023); Michelle W. Bowman, " The Path Forward for Bank Capital Reform (PDF) " (speech at Protect Main Street, sponsored by the Center for Capital Markets at the U.S. Chamber of Commerce, Washington, D.C., January 17, 2024). Return to text

4. OCC, Board of Governors of the Federal Reserve System, and FDIC, Notice of Proposed Rulemaking, "Regulatory Capital Rule: Large Banking Organizations and Banking Organizations with Signfiicant Trading Activity," 88 Fed. Reg. 64,028, 64,168, table 11 (September 18, 2023). Return to text

5. See, e.g., Board of Governors of the Federal Reserve System, Interim Final Rule and Request for Comment, " Temporary Exclusion of U.S. Treasury Securities and Deposits at Federal Reserve Banks from the Supplementary Leverage Ratio (PDF) ," 85 Fed. Reg. 20,578, 20,579 (April 14, 2020) ("This interim final rule does not affect the tier 1 leverage ratio, which will continue to serve as a backstop for all banking organizations subject to the capital rule."). Return to text

6. See, e.g., OCC, Board of Governors of the Federal Reserve System, and FDIC, Notice of Proposed Rulemaking, " Long-Term Debt Requirements for Large Bank Holding Companies, Certain Intermediate Holding Companies of Foreign Banking Organizations, and Large Insured Depository Institutions (PDF) ," 88 Fed. Reg. 64,524, 64,551, n. 97 ("The agencies recognize that their Basel III reforms proposal would, if adopted, increase risk-weighted assets across covered entities. The increased risk-weighted assets would lead mechanically to increased requirements for LTD under the LTD proposal. The increased capital that would be required under the Basel III proposal could also reduce the cost of various forms of debt for impacted firms due to the increased resilience that accompanies additional capital (which is sometimes referred to as the Modigliani–Miller offset). The size of the estimated LTD needs and costs presented in this section do not account for either of these potential effects of the Basel III proposal .") (emphasis added). Even when the agencies estimate the effect of a proposal on other rules, the impact analysis tends to be narrow, such as focusing on the estimated shortfall that would be created by the interrelated rules and may overlook other pending rules. See, e.g., OCC, Board of Governors of the Federal Reserve System, and FDIC, " Regulatory Capital Rule: Large Banking Organizations and Banking Organizations with Significant Trading Activity (PDF) ," 88 Fed. Reg. at 64,171 (noting that the proposed revisions to the calculation of risk-weighted assets under the Basel III endgame proposal would affect the risk-based TLAC and LTD requirements applicable to Category I bank holding companies but disregarding the pending proposal that would expand long-term debt requirements to a broader set of firms). Return to text

7. See dissenting statement, " Statement by Governor Michelle W. Bowman " on the proposed rule to implement the Basel III endgame agreement for large banks, news release, July 27, 2023; Michelle W. Bowman, " Remarks on the Economy and Prioritization of Bank Supervision and Regulation (PDF) "; Michelle W. Bowman, " The Path Forward for Bank Capital Reform (PDF) ." Return to text