Uday Kotak

Our entire approach to the banking and financial services business is risk-adjusted returns. We believe that in most parts of the world, and including pockets in India, banking tends to mis-price risk.

The closer I get to retirement, the more I feel it will be a huge change, a shock, because athletics has been the core of my whole life. I know I'll miss the feeling of running fast, the adrenaline rush, and hearing the crowd cheering me on.

The market is incredibly inefficient and capable on rare occasions of being utterly dysfunctional. And people have a really hard time getting their brain around that fact. They want to believe that it's approximately efficient almost all the time, and it simply isn't true.