 "Samit Ghosh")
What are your immediate challenges?
We have 18 months to start the bank. We have already done a lot of research. We will have to restructure entirely and develop a unique model, as we cannot be like any commercial bank. Also, right now, 90 per cent of our shareholding is foreign. We will have to bring it down to less than 50 per cent.
What will be your strategy to begin with?
We will target our existing micro borrowers. We will not target the middle segment. We will focus on unbanked areas.
How prepared are you on the technology front to start a small bank?
We will need a massive change in technology to bring in services such as mobile banking and telebanking.
