We have been partners in nation-building and take our role in building the nation very proudly.

I am not going to opt for a short-term view for a 206-year-old institution like the SBI.

It was my first day at work - and beginning my training on the job, I was given the job of writing cheques and entering their details. The branch was surrounded by hordes of people... soon, they had to close the gates to manage the crowds, and they started pushing in.

Senior officials are always looking for good juniors, so when the opportunity comes, they give you the responsibilities.

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.

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

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

I always focus on team building - both in office and at home.

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.

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.

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.

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.

Competition is always there.

Competition is always there.

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

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

Disinvestments will continue to happen. If the issue is priced correctly, there's no reason why it should not sell.

Disinvestments will continue to happen. If the issue is priced correctly, there's no reason why it should not sell.

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.

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.

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.

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.

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.