Arundhati Bhattacharya

“PSU banks are sole lenders to capital-intensive firms.”

“Women being women, they are very sincere, committed, and honest in what they do. If they feel they are shortchanging some segment of their responsibility, they have a tendency of holding themselves back. What I would like to tell them is that it is not necessarily true that you will short-change one or the other.”

“In any merger, the biggest challenge is always integration of human resources because the people who are coming in have a lot of apprehension.”

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

“Whatever I have said is in the interest of the system, and it has never been taken amiss.”

“If you look at it ideologically, I would say Brexit is not something that probably is good for the world.”

“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.”

“It is too expensive to have a bricks and mortar presence everywhere.”

“Banning cash transactions over R3 lakh will allow banks to diversify their banking activities into new areas and not mundane ones.”

“At the end of the day, none of us are the Oracle of Delphi, so we don't get everything right. It's always good to be able to listen and to take on what seems to be the right thing to do.”

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

“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.”

“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.”

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

“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.”

“Your ability will get you the job, but you also need to have age on your side. So if you started your career at 21, you have an advantage over others in your batch who started at, say, 24.”

“It's good to be on the power list, but I don't see a practical use of it except when people introduce me to audiences.”

“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.”