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According to Satwalekar, former head of HDFC Standard Life Insurance Co. Ltd, who was on the bank's board for eight years, the biggest thing about leadership is asking questions and not necessarily providing the answers. 'That makes your people think. Look at the retail portfolio of all banks and NBFCs [non-banking finance companies] in 2008—whoever was aggressive got decimated. The exception is HDFC Bank as they were always very clear in their mind on what could and could not be done. Aditya would ask the right questions and make his people see what was required. The top line was not a target for him. Value creation through profitability was the objective,' says Satwalekar.
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