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.

Do I sometimes hope I wake up in the morning and people are like, 'What's wrong with her? She looks emaciated.' Of course I would love that. I'm such a clothes whore, I would love the opportunity to be a hanger. But I think I'm more confident than I've ever felt in my life.

Once I could drive, I spent all my time in the city going to metal shows. I missed the first couple of Metallica shows because I was lame. By the time I got into them, they were playing places like the Kabuki.