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At State Bank, all decisions are collective decisions. I have created the comfort zone.
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The capping of cash transactions will help the banks reduce cash intensity.
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One of my main agenda right from the beginning has been cost rationalization, and we have done a lot of cost rationalization.
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Women being women, they are very sincere, committed, and honest in what they do. If they feel they are shortchanging some segment of their responsibility, they have a tendency of holding themselves back. What I would like to tell them is that it is not necessarily true that you will short-change one or the other.
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It's good to be on the power list, but I don't see a practical use of it except when people introduce me to audiences.
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Your ability will get you the job, but you also need to have age on your side. So if you started your career at 21, you have an advantage over others in your batch who started at, say, 24.
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It was my first day at work - and beginning my training on the job, I was given the job of writing cheques and entering their details. The branch was surrounded by hordes of people... soon, they had to close the gates to manage the crowds, and they started pushing in.
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Some people look at my photos and think maybe I'm feeling frazzled, but I really want to tell them I'm just having a bad hair day!
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When there are good postings available, the people who choose who is to come to that particular position, they will always have, at the back of their minds, a fear that, 'If I take a woman, she might prioritize her family over the job and, therefore, not be available at times when her presence is required.'
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We are present in all areas, and our products are the best.
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If you have six corporate centres, six treasuries, six of everything, and then if you bring it down to one of everything, obviously there are some savings.
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I always focus on team building - both in office and at home.
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Most of the time, women believe that what lies ahead is a precipice. Whereas, if you continue to drive and stay on the path, the road will open up in front of you, and you will reach your destination. You don't need to turn around and abandon the journey.
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Some amount of support from government and regulator is required when you are looking at resolving systemic issues.
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A maturing process, and growth, is always painful. You ask any teenager, they will tell you, and it's just like that for the country. We need to grow; we need to evolve.
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If you are really challenged, and if you are willing to take the plunge, very often some of the path opens up in front of you.
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At SBI, we say that if you need a project to be done, you need to be determined that it needs to be done, put a deadline, and it will get done.
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Private sector has no issue in coming into infrastructure sector. They know very well that infrastructure is one area that can give you very steady long-term returns.
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After some time, my reputation preceded me each time I was given a new posting.
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In any merger, the biggest challenge is always integration of human resources because the people who are coming in have a lot of apprehension.
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Often, people wonder if she can give the time required at work, given also her responsibilities at home. So a woman has to prove her worth over and over again each time she's given a new responsibility, especially when she is at junior to mid-level positions.
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As demand goes down, you will see prices come down.
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I have met a lot of women who are good at math.
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If you look at the international markets, for projects that are capital-intensive, the minute the construction phase is completed and production is supposed to start, normally all these loans get refinanced.