OP Bhatt, former Chairman of State Bank of India on how the SBI and all Public Sector Banks are universal banks and that they dabble in every area of banking. Bhatt goes on to say that while doing this, one deals with different people, different sectors, the interactions are with specific segments of the economy, diverse people, products and geographics. Bhatt says that the nature of engagement also becomes more creative and more intense in public sector banks.