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Until you get your reputation made, you have to work twice as hard... there is always a doubt in your superior's mind as to whether you will put family before your job.
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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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It is important to create credit absorption capacity rather than to just enhance lending targets.
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I can't tell you precisely how much participation there will be from India in the One Belt, One Road, but what is clear is the understanding that it is important for us to develop neighbourhood trade.
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We keep saying, 'No more 'band aid' solutions.'
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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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If you go to any boardroom... the women are, by far, outnumbered by the men.
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If a woman is financially independent, she can definitely make a bigger contribution in making big decisions and contribute much more. If a woman is financially independent, she can pursue her interests, too.
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When borrowers anticipate that politicians might cancel their loans, they stop paying.
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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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The higher interest and higher inflation is a vicious cycle.
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You can't merge six banks and think that nothing will happen.
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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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ATM is still a cash channel; we want to migrate it to the digital channel.
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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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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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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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Multiple mergers can be challenging because people come from different backgrounds.
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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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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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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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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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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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Indian Prime Minister Narendra Modi turned the narrative around on demonetisation very quickly by promoting the move as one way of ending systemic corruption in the country.