For M S Kapur, success is nothing but the ultimate outcome of a strenuous journey. His vision is to make the Vijaya Bank the leader in banking service of the country. Thanks to his visionary, dynamic and techno savvy approach, the Vijaya Bank has been on a profitable path. Kapur has already carved a niche in the realm of the banking sector and he is committed to customers' satisfaction and make Vijaya Bank a true friend for the customers even during their lean period. Vijaya Bank became a scheduled bank way back in 1958 and steadily grew into a large bank with an all-India magnitude and was nationalized on April 15, 1980.

In due course, the bank has built a network of 868 branches that span all over the country and four union territories. In the recent years, the bank has opened more than 40 branches that offer specialized banking for industrial finance, small scale industries, agricultural (hi-tech) finance, capital market, commercial and personal banking, etc. The bank has introduced several customer-friendly deposit schemes and has also launched several retail lending schemes to cater to its vast clientele base.

M S Kapur is always open to innovation and thanks to his experimental attitude, Vijaya bank is now one among the few banks in the country to take up principal membership of VISA International and MasterCard International. Vijaya Bank is enjoying a huge success with its novel method of taming incorrigible defaulters. Kapur has brought about some drastic changes in the method of recovering bad loans. Determined to ferret out non-performing assets (NPAs), the bank has been conducting "roadshows" in front of offices and homes of loan-dodgers to embarrass them into paying up.

It has also been conducting recovery programmes through seizure of vehicles in a big way. The results of such "road shows" were encouraging with some borrowers agreeing to repay their loans within weeks. Thanks to his dynamic vision, the Vijaya Bank launched the core banking solution for its consumer and corporate banking customers deploying Infosys' centralised banking solution Finacle. Pursuing the debt recovery vigorously, M S Kapur was the first banker to launch the method of bringing loan-delinquents to heel in the banking system. Indeed, under his stewardship, the Vijaya Bank has begun a long journey of victory---'vijay of the customers.'