On cultural issues and how Axis will fill the gap, Chaudhary said, "We will work really hard on it. It's not going to be an easy journey. but we do believe that we at AXis have ingredients in place to be able to provide the right kind of job opportunity right kind of culture, right kind of comfort. Options in Citi are getting limited since they are leaving the world in the consumer business. And we are a bank here, who is showing an aspiration, who is showing a hunger, who is investing deeply in technology, signing many partnerships and a growing franchise and we have a high number of people joined from Citi at a high level."