Arundhati Bhattacharya

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. ”

Whatever I have said is in the interest of the system, and it has never been taken amiss. ”

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. ”

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. ”

If we want to be the banker to every Indian as we want to be, then we will have to use technology. ”

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. ”

Demonetisation is a disinflationary process. So, this will bring down prices in the long run. It will also help in bringing down interest rates. ”

Why should a country have to take on itself a huge burden of managing a totally cash economy? ”

Things have their own pace, and if we work with that pace and anticipate the issues correctly, we can have good results. ”

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. ”