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HDFC Bank
India’s largest private bank isn’t built on innovation — it’s built on being too big to fail.
The attempt to model people, who decline to cooperate.
ICICI Bank’s 1994 formation under K.V. Kamath was not the birth of a startup but the strategic repackaging of a state-backed institution into a private, technology-enabled, acquisitive financial group — with real execution in regulation-constrained conditions.

Berkshire Hathaway is a holding company built on arbitrage, insurance float, and concentrated control — not innovation or disruption.