Top 99 Quotes & Sayings by Arundhati Bhattacharya - Page 2

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.

If you want to deemphasise cash, then people should not only have an incentive for going digital but also a disincentive for doing cash.

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

If a woman is financially independent, she can definitely make a bigger contribution in making big decisions and contribute much more. If a woman is financially independent, she can pursue her interests, too.

Cash is not cheap. The physical infrastructure is not easy to maintain and cheap.

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

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.

What needs to be done is that the digital initiatives that we had started, that those get the same kind of focus, and that we now disincentivize the use of cash. If you're going to slide back into the ways that we had before this demonetization impact, then you really won't get the benefits.

If you are really challenged, and if you are willing to take the plunge, very often some of the path opens up in front of you.

I do believe in teamwork, and I think it's very important, especially for a woman, because if you don't have a good team, then you cannot step out if you need to.

PSU banks are sole lenders to capital-intensive firms.

Competition is always there.

As demand goes down, you will see prices come down.

If you are satisfied, you will never see any more progress. One remains dissatisfied, but that doesn't mean that things are not happening.

Even for the people in the bank into which the other banks are merging, they also have a lot of apprehension. There is always an apprehension that opportunities will go down. There are apprehensions of displacement. Many of these apprehensions are unfounded.

Children should be taught in school that you should have all kinds of asset classes in your portfolio. They should be taught what those asset classes are, and their advantages and disadvantages.

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

My friends have helped my daughter in certain areas more than I have. What these have taught me is that you need to be good to people. There will always be times when you need their help.

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.

Some amount of support from government and regulator is required when you are looking at resolving systemic issues.

Indian Prime Minister Narendra Modi turned the narrative around on demonetisation very quickly by promoting the move as one way of ending systemic corruption in the country.

Those who claim that they need cash because they are unable to pay labourers are those who are not paying minimum wages.

After some time, my reputation preceded me each time I was given a new posting.

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

Our huge infrastructure that we need for keeping cash is very expensive.

Digital is the only way to get rid of corruption and unaccounted cash.

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.

Had it not been for the groundswell of support by the people of India, we would not have seen such a huge exercise of demonetisation bounce off without a single riot or a single law and order issue.

I believe in discussing very thoroughly what should be the goal. When discussing it, I allow others to give their views.

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.

One of the big lessons I have learnt from my life is that things are never as difficult as they seem. When you actively plunge into it, you realize you can easily do it.

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.

In India, women are still the primary caregivers. Whether it be for children, whether it be for old people or sick people, you are the primary caregiver. No matter what position you are in.

Often, people wonder if she can give the time required at work, given also her responsibilities at home. So a woman has to prove her worth over and over again each time she's given a new responsibility, especially when she is at junior to mid-level positions.

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

You can't merge six banks and think that nothing will happen.

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.'

If you snap off people's heads and get on to a kind of a pedestal, it's more difficult for people to approach you. It's much easier if you are down there with them. They will talk to you.

Some people look at my photos and think maybe I'm feeling frazzled, but I really want to tell them I'm just having a bad hair day!