Uday Kotak

I keep wondering at night, 'Will I have a bank the next morning, or will some technology company be doing banking without needing a bank?'

It is possible that the digital world may change the need for physical branches. We will continue to add branches incrementally, but we will reach a point - whether it is 1,500, 1,800 or 2,000 branches - where we will say enough is enough.

We are going to position ourselves as a world-class financial institution. We want to do things that are comparable to the best in the world. At the same time, we want to have very strong human qualities.

If India grows steadily and does the structural things right and carefully unties knots, builds an institutional process which sort of cleans up the corruption and the baggage in the system, I see it as a wonderful marathon.

We encounter very healthy boardroom debates and pretty diverse views, so we have always had the benefit of diversity of opinion and expression before we take some important calls.

A lot of family members worked in the joint commodities family business. It was a classic case of capitalism at work and socialism at home.

As long as there is cash, and the economy is running, all is well. But as a bank, we'll have to test, experiment, try a hundred different things. A few may work, a few may fail, but we have to experiment and try.

Younger customers are the future, but older customers have the money. So you need both: one for the present, and the other for the future.

The government should move towards supporting aspirations and not entitlement. Subsidies supporting non-productive growth should be reduced.

My view is the core engine supporting India's growth aspiration will be the financial sector, which will have to get more efficient.

I am big believer that increase the size of the cake is as at least as important as distribution of the cake. To increase the size of the cake, you need to focus on progress.