Arundhati Bhattacharya Quotes
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When interest rates are coming down, you cannot have high margins.
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India has a very young population which is comfortable doing business on a screen than do it one on one with a banking executive. They want quick fulfilment of desires, and may not have the time to go to a bank to get things done. Many of them are comfortable working from home.
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Waiving debts corrupts the credit culture.
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Our huge infrastructure that we need for keeping cash is very expensive.
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There is potential for more Chinese investment in India's infrastructure, and there are already Chinese investors in India's power and telecoms sector as well as the banking and payments space.
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Frankly, I have a lot of interests, and I am not all that wedded only to banking.
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If you go to any boardroom... the women are, by far, outnumbered by the men.
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You can't merge six banks and think that nothing will happen.
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If you are satisfied, you will never see any more progress. One remains dissatisfied, but that doesn't mean that things are not happening.
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Disinvestments will continue to happen. If the issue is priced correctly, there's no reason why it should not sell.
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Multiple mergers can be challenging because people come from different backgrounds.
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It is important to create credit absorption capacity rather than to just enhance lending targets.
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We underestimate our people. Given a challenge, most of our people will do it, especially the youngsters who take to technology like duck to water.
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I am not going to opt for a short-term view for a 206-year-old institution like the SBI.
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Things have their own pace, and if we work with that pace and anticipate the issues correctly, we can have good results.
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When borrowers anticipate that politicians might cancel their loans, they stop paying.
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The higher interest and higher inflation is a vicious cycle.
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At the end of the day, none of us are the Oracle of Delphi, so we don't get everything right. It's always good to be able to listen and to take on what seems to be the right thing to do.
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You have to go to war with a sword and a shield. You cannot go to war with bare hands.
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If you want to deemphasise cash, then people should not only have an incentive for going digital but also a disincentive for doing cash.
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If you start from the farm sector, we need much better investments and capital creation on land. We need logistics support; we need cold chain and processing capability. We need proper pricing at various stages to ensure that the producers are not left out in the value-chain.
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ATM is still a cash channel; we want to migrate it to the digital channel.
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I believe in discussing very thoroughly what should be the goal. When discussing it, I allow others to give their views.
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When it comes down to business, everybody is very businesslike... I have never felt any difficulty in dealing with any of these situations.