Frankly, I have a lot of interests, and I am not all that wedded only to banking.
I have never worried if my daughter has fallen sick, and I am somewhere else, because there is always somebody to take care of her.
Lending rate is a function of both liquidity as well as credit demand.
If you look at it ideologically, I would say Brexit is not something that probably is good for the world.
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.
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.
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.
It is too expensive to have a bricks and mortar presence everywhere.
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.
I say what is required to be said.
Whatever I have said is in the interest of the system, and it has never been taken amiss.
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.
Theoretically, every probationary officer has a chance to become chairman.
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.
I always focus on team building - both in office and at home.
At State Bank, all decisions are collective decisions. I have created the comfort zone.
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.
Senior officials are always looking for good juniors, so when the opportunity comes, they give you the responsibilities.
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.
I am not going to opt for a short-term view for a 206-year-old institution like the SBI.
