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

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.

Because SBI is so large, serving customers in India's big cities and small rural villages alike, it has a pressing need for better tools and technology to monitor lending risks.

Theoretically, every probationary officer has a chance to become chairman.