Successful strategic vision lay in the fact that we visualized the retail business to be much bigger, ahead of what others thought it to be.
Payments banks can also act as business correspondents of other banks.
We believe the new banks will complement the existing banking system, and there will be opportunities for players to identify mutually beneficial partnerships.
You can maintain work-life balance even while pursuing careers.
My belief is India's banking industry will continue to grow at two and a half times the GDP growth rate.
In India, we have the opportunity to give innovation the kind of scale that no other country in the world can. Innovation is a necessity.
A demography that is digitising rapidly, and the potential to invest in infrastructure, are the key strengths of India.
We have to understand that India is a complex country. Everything takes time for the real impact to get translated to the economy.
The growth that we are targeting for our bank is in line with the banking industry.
The consolidation that we started in 2009 was clearly the requirement of that time.
What's important is that we see each year what the opportunities are, and make use of the opportunity.
The real underlying value comes if you can put a company back into a running state and it becomes a successful viable entity if it continues to repay loans.
Lending has come back in retail; it has come back in working capital. It has also come back in other forms, like government contract being given out to companies.
Punjab is central to our business strategy, and we are an active partner in the state's growth.
I think it's important to celebrate your successes. It's important to feel happy about them, but it's equally important to look forward to the next big move.
No one thing can change the face of any sector.
The important source of finance is now commercial papers, bonds, and so on.
Over the years, we have gone beyond our businesses to take up philanthropic projects in diverse areas - from education to health care to skilling.
We actually probably do nothing very special for women. But what we do in a very special manner is to remain an absolute gender-neutral, merit-based organization.