Arundhati Bhattacharya

“ATM is still a cash channel; we want to migrate it to the digital channel.”

“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.”

“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.”

“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.”

“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.”

“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.”

“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.”

“I can't tell you precisely how much participation there will be from India in the One Belt, One Road, but what is clear is the understanding that it is important for us to develop neighbourhood trade.”

“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.”

“If you start from the farm sector, we need much better investments and capital creation on land. We need logistics support; we need cold chain and processing capability. We need proper pricing at various stages to ensure that the producers are not left out in the value-chain.”

“We keep saying, 'No more 'band aid' solutions.'”

“The move towards a unified agricultural market helps farmers get correct remuneration for their produce.”

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

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

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

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

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

“It is only after you are able to stand on your own feet, or have the confidence that you can stand on your own feet, should you look at doing things such as marriage or setting up a family.”

“You have to go to war with a sword and a shield. You cannot go to war with bare hands.”

“Lending rate is a function of both liquidity as well as credit demand.”