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.

When people said Africa would change me, I didn't understand what they meant. To see the poverty in the townships, for instance, is overwhelming. I found it heart-wrenching to see young children walking barefoot and hungry in the dirt. I'm the kind of person who wants to change the world right here and now, so I got frustrated.

I'm sure back in the Greek days or the Roman Empire days, when guys fought in arenas and were fighting lions, people were talking smack. Every era in history has someone talking smack. No way you can have talent and not proclaim your victory.