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At State Bank, all decisions are collective decisions. I have created the comfort zone.

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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.

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.

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.

Competition is always there.

One of my main agenda right from the beginning has been cost rationalization, and we have done a lot of cost rationalization.

Once you have set the goal, give your staff the space to get there. If you micromanage, you will be able to do very little.

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.

You cannot take bank interest rates very sharply down: you will lose your deposit franchise.

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.

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At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.

At State Bank, all decisions are collective decisions. I have created the comfort zone.