I think VV has a different game plan when building a Business which is not traditionally followed by most of others and hence not understood well or accepted Initially by the market.He did the same in Capital first.
His Style is build a sustainable model which is scalable for a long period.This model requires front loading of cost and it creates temporary depression in the profitability numbers.
This also creates doubts in the minds of many and the environment around is negative which I presume is the reason many leaders dont want to follow such models which creates lot of pressure for them.
The real product will only emerge later once the Model is built and ready to fly.
The Bank has completed the pain period and the journey has just began.The profitability numbers will surprise many since the Operating leverage has kicked in.We need 2-3 quarters of results for all to believe.
Interesting times ahead !
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