'I believe in giving good returns to depositors'
'Deposit accretion, liquidity should improve'
'There is every reason for a rate rise in Jan'
'Hardening rates to affect treasury income'
'Growth with quality is happening'
'Above 8% growth for India is tremendous'
'Insurance in India will quickly become customer-centric'
'Monetary policy alone can't tackle inflation beyond a point'
Riding the cheetah
'We will maintain NIM at 3 per cent in 2011-12'
'We do not hide any information from investors'
'Fiscal policy is at the heart of inflation'
'We will try to retrieve some lost ground in corporate banking'
Saline tests
'An open architecture is required for deep insurance penetration'
'I'm lucky for India!'
?Current account deficit is a challenge?
'Credit demand is picking up'