Quotes of All Topics . Occasions . Authors
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.
If you want to deemphasise cash, then people should not only have an incentive for going digital but also a disincentive for doing cash.
India does not have a problem of people grabbing share from a fixed pie. India is one of the few nations where the pie is getting bigger.
If you are satisfied, you will never see any more progress. One remains dissatisfied, but that doesn't mean that things are not happening.
When it comes down to business, everybody is very businesslike... I have never felt any difficulty in dealing with any of these situations.
In any merger, the biggest challenge is always integration of human resources because the people who are coming in have a lot of apprehension.
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.
Demonetisation is a disinflationary process. So, this will bring down prices in the long run. It will also help in bringing down interest rates.
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.
In order to ensure long-term investment, it is important to make infrastructure as transparent and as bankable as possible - should be a win-win for all.
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.
I do believe in teamwork, and I think it's very important, especially for a woman, because if you don't have a good team, then you cannot step out if you need to.
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.
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.
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.
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.
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.
Because SBI is so large, serving customers in India's big cities and small rural villages alike, it has a pressing need for better tools and technology to monitor lending risks.
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.
If you snap off people's heads and get on to a kind of a pedestal, it's more difficult for people to approach you. It's much easier if you are down there with them. They will talk to you.
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.
It is only after you are able to stand on your own feet, or have the confidence that you can stand on your own feet, should you look at doing things such as marriage or setting up a family.
In India, women are still the primary caregivers. Whether it be for children, whether it be for old people or sick people, you are the primary caregiver. No matter what position you are in.
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.
Children should be taught in school that you should have all kinds of asset classes in your portfolio. They should be taught what those asset classes are, and their advantages and disadvantages.
Had it not been for the groundswell of support by the people of India, we would not have seen such a huge exercise of demonetisation bounce off without a single riot or a single law and order issue.
Every industry, as it comes to a certain level of maturity, there is consolidation. In that consolidation, some fall, but the men will always be there. It is the boys that get sloughed, I would say.
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.
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.
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.
One thing I would tell women is that they must take up the challenge. Very often, we anticipate a lot of problems, and therefore, we don't take the lead. And I think that we are shortchanging ourselves if we don't do that.
SBI Caps has a distinct advantage because most of our people are market recruits. We have a public sector heritage. Our challenge is to bring the best of both - public sector heritage and private sector talent - and provide a unique offering.
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.
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.
I am happy to be running a public sector bank. In times of stress, most people will always have an account with us, so, to the extent that it gives stability and faith for the people and because banking is a business of trust, it is a major advantage we have.
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.
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.
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.
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.
What needs to be done is that the digital initiatives that we had started, that those get the same kind of focus, and that we now disincentivize the use of cash. If you're going to slide back into the ways that we had before this demonetization impact, then you really won't get the benefits.
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.'
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.
To tell you the truth, if you're looking at rising pretty high, then you need to find a way of taking care of these problems and not taking time off. At the end of the day, it is a very tough competition. And in a very tough competition, if you just take breaks, then it's going to become much, much more difficult.