Indian - Businessman | March 15, 1959 -
The trouble with opportunity is, it never announces when it comes. It's only after it's gone, you'd realize that you missed it.
Uday Kotak
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There's no harm being a copycat. If someone else is doing a good job, copy. It's free.
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In a marathon, if you run too fast, you get exhausted. If you run too slow, you never make it.
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If companies are able to raise equity from the market, then their problems for financing incomplete projects will come to end. Investment cycle in the capital market can kick-start with the money of savers and investors.
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My view is that, as management, the focus has to be on having a strategy and executing it. As you do the strategy and execution, it is important to communicate it consistently.
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A lot of our fiscal deficit went to fund consumption and really did not get used to build investment and infrastructure. The trouble is, you can get a spurt in GDP growth, which may not be sustainable. I would much rather build the gradient of a long-term marathon.
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I keep wondering at night, 'Will I have a bank the next morning, or will some technology company be doing banking without needing a bank?'
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Our view is that younger customers love our digital offering, our mobile banking applications and so on. Older customers expect relationship managers and want much more personal attention in terms of their needs.
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A lot of family members worked in the joint commodities family business. It was a classic case of capitalism at work and socialism at home.
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If you ask me, over time, I am a believer in the Indian financial saving story getting stronger; a lot more savers are moving money away from gold and real estate into banks, mutual funds, insurance and equities.
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Younger customers are the future, but older customers have the money. So you need both: one for the present, and the other for the future.
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We are going to position ourselves as a world-class financial institution. We want to do things that are comparable to the best in the world. At the same time, we want to have very strong human qualities.
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