She heads India's largest bank, a bank that has become a whole lot larger in the recent past. SBI Chairperson Arundhati Bhattacharya talks about the future of the State Bank of India. Speaking on non-performing assets or NPAs, she adds not all bad loans are criminal in nature and that we need a systemic solution to deal with the bad loans issue. She says she is optimistic that they can be tackled in the finite period of time.