........If you look at history and take a lesson from the nine banks that were
licensed, five remain. How have they changed the course of banking in
the country? One of them has been ranked as the most valuable bank in
country, so they did make a change. This has happened over a period of
18 years. Over a period of time, they will make a change and not all of
them will make a change. So, if you really go by history, for you to
become a formidable player, you need capital. Capital does not come
overnight. You need customers and all that will accrue over a period of
time...........
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