Chanda Kochhar Quotes
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If you take existing ideas and make them affordable and scalable, you substantially change business models. India lacks an education system that is research- and creativity-oriented.
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Even if it does not become cashless economy, it will become a less cash economy, and I think that itself is going to be a good and big achievement, and I think we are, as a country, gone through many of large changes, and ICICI has been a leader in many of them.
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If you look at the numbers from 2002 to 2016, we have consistently been market leaders. We have followed a well-articulated strategy, and our focus is to continue that strategy.
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Every entrepreneur, whether man or woman, should start with a robust business structure.
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Over the years, we have financed projects in core industrial sectors like steel, cement, aluminium and petrochemicals, and in manufacturing sectors like automobiles and textiles.
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I chose to be a working wife and mother. Why should I compromise on either?
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Any of our businesses will not exist in the form that is today, will not exist in the same form one year later, two years later... We have to worry about the disruptions in the business models and the practices.
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I have always said that a bank's lending rates do not only depend on rate cuts - it is just one signal.
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In India, we have the opportunity to give innovation the kind of scale that no other country in the world can.
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We believe the new banks will complement the existing banking system, and there will be opportunities for players to identify mutually beneficial partnerships.
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I think it's important to celebrate your successes. It's important to feel happy about them, but it's equally important to look forward to the next big move.
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Lending has come back in retail; it has come back in working capital. It has also come back in other forms, like government contract being given out to companies.
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Mark-to-market losses are not real loss. It's a notional loss. What we can monitor is the credit quality of the underlying papers. Are the companies paying interest on time? Is there any deterioration in the credit quality of these companies?
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We don't understand the equity market well, and so we deploy funds in fixed-income securities, and like any other securities, investment in those securities also need to follow the mark-to-market accounting principle.
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We have to address impediments that stall implementation of projects and streamline the process to ensure smooth execution going forward. We need to address the leverage levels among corporates to restart investment cycle.
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Nobody likes high interest rates.
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We will leverage technology to collaborate with the government in its e-governance initiatives.
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It is important always to make full use of opportunities that come your way, and at the same time, it is important to not just cope with the challenges but try and convert each challenge into an opportunity.
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I think I have it all. But I won't say that the credit for all that goes to me. I think the credit for all that goes to everybody around me. I mean, I have it all because my entire family is so cooperative. I have it all because my children did not whine and cry when I was not there. So, I think it's, you know, in a way, a two-way street.
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I think India's growth itself will give opportunities for Indian banks to become substantially bigger.
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I believe in fate, but I also believe that hard work and diligence plays a very important role in our lives.
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We have always said that over the medium and long term, we will disinvest some part of our holding in our major subsidiary companies, and life insurance is our largest subsidiary company.
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Business has to be done with both head and heart.
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One thing I would say about the Indian consumer is that as much change and as much technology, innovation that you offer to the Indian consumer, the Indian consumer is very receptive and actually keep expecting more, and we have had that great experience.