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

Arundhati Bhattacharya

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" 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. "

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" 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. "

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" 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. "

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" To tell you the truth, if you're looking at rising pretty high, then you need to find a way of taking care of these problems and not taking time off. At the end of the day, it is a very tough competition. And in a very tough competition, if you just take breaks, then it's going to become much, much more difficult. "

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

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

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" Demonetisation is a disinflationary process. So, this will bring down prices in the long run. It will also help in bringing down interest rates. "

Arundhati Bhattacharya

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

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" 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. "

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" When there are good postings available, the people who choose who is to come to that particular position, they will always have, at the back of their minds, a fear that, 'If I take a woman, she might prioritize her family over the job and, therefore, not be available at times when her presence is required.' "

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" 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. "

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" I believe that we will benefit more by globalisation. "

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

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" 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. "

Arundhati Bhattacharya

" 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. "

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" The decision to incentivise savings for pension funds augurs well for infrastructure financing and retirement planning. "

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" It is important to create credit absorption capacity rather than to just enhance lending targets. "

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

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" Frankly, I have a lot of interests, and I am not all that wedded only to banking. "

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

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

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" 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. "

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" One thing I would tell women is that they must take up the challenge. Very often, we anticipate a lot of problems, and therefore, we don't take the lead. And I think that we are shortchanging ourselves if we don't do that. "

Arundhati Bhattacharya

" I am happy to be running a public sector bank. In times of stress, most people will always have an account with us, so, to the extent that it gives stability and faith for the people and because banking is a business of trust, it is a major advantage we have. "

Arundhati Bhattacharya