Arundhati Bhattacharya, 

One of the last things Bhattacharya did as chairman of SBI was to lead a merger with five associate banks. The result was a behemoth that’s among the top 50 banks in the world. While the merged entity had higher deposits, it also came with higher bad loans. As a result, SBI’s consolidated profits fell sharply and the bank posted a loss of Rs 390 crore for the year ended March 2017. While it may not be a great farewell balance sheet, Bhattacharya’s legacy is in the fight she led against bad loans.