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In India, the investment banking industry is a little different. Overseas, the structures are very complicated, but not in India.
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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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I always focus on team building - both in office and at home.
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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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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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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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Even for the people in the bank into which the other banks are merging, they also have a lot of apprehension. There is always an apprehension that opportunities will go down. There are apprehensions of displacement. Many of these apprehensions are unfounded.
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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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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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I believe that we will benefit more by globalisation.
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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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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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After some time, my reputation preceded me each time I was given a new posting.
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As demand goes down, you will see prices come down.
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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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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 amount of support from government and regulator is required when you are looking at resolving systemic issues.
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People are used to cash, and getting them out of that is going to be a long and tough exercise.
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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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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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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.
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One of the big lessons I have learnt from my life is that things are never as difficult as they seem. When you actively plunge into it, you realize you can easily do it.
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Once you have set the goal, give your staff the space to get there. If you micromanage, you will be able to do very little.