Arundhati Bhattacharya

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.

If you are approachable, if you keep your line of communication open, then very often, you get to hear what you need to hear.

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.'

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.

When interest rates are coming down, you cannot have high margins.

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

Frankly, I have a lot of interests, and I am not all that wedded only to banking.

The higher interest and higher inflation is a vicious cycle.

In India, the investment banking industry is a little different. Overseas, the structures are very complicated, but not in India.

Multiple mergers can be challenging because people come from different backgrounds.

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.