It's true that I have always been very comfortable with numbers.

Culture is about the mindset of people, and we are very happy to have a strong combined mindset of people.

I do believe that banks are special - they are very leveraged institutions by nature; therefore, it's even more critical to ensure that the governance and the process of running a banking company are well-organised, managed and regulated.

My view is that the bitcoin is in its very early days, and it is an artificial currency. But whether it is creating new money, whether it is sustainable, whether it would survive - I have many questions about it.

As we were all growing up, there used to be a very big mantra in India which was called 'export or perish.' There was a long period when we used to focus on import substitution.

I was not very keen on joining the family business... there were 14 family members working together, and it worried me that I would not have enough individuality.