Chanda Kochhar Quotes

Whenever there is a challenge, the key is not to get consumed by the challenge but actually to learn from it.

Chanda Kochhar

• Challenge

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Quotes to Explore

• 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.

  

  Chanda Kochhar
  • Business
  • Education
  • Creativity

• 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.

  

  Chanda Kochhar
  • Good
  • Country
  • Achievement

• 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.

  

  Chanda Kochhar
  • Focus

• Every entrepreneur, whether man or woman, should start with a robust business structure.

  

  Chanda Kochhar
  • Business
  • Entrepreneur

• I chose to be a working wife and mother. Why should I compromise on either?

  

  Chanda Kochhar
  • Why
  • Mother
  • Wife

• 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.

  

  Chanda Kochhar
  • Business
  • Today
  • Worry

• 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.

  

  Chanda Kochhar

• 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?

  

  Chanda Kochhar
  • Time
  • Real
  • Quality

• In India, we have the opportunity to give innovation the kind of scale that no other country in the world can.

  

  Chanda Kochhar
  • World
  • Country
  • Opportunity

• I have always said that a bank's lending rates do not only depend on rate cuts - it is just one signal.

  

  Chanda Kochhar

• We will leverage technology to collaborate with the government in its e-governance initiatives.

  

  Chanda Kochhar
  • Technology

• 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.

  

  Chanda Kochhar
  • Important
  • Happy

• 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.

  

  Chanda Kochhar

• 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.

  

  Chanda Kochhar

• We believe the new banks will complement the existing banking system, and there will be opportunities for players to identify mutually beneficial partnerships.

  

  Chanda Kochhar
  • Believe

• Innovation is a necessity.

  

  Chanda Kochhar
  • Innovation

• 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.

  

  Chanda Kochhar
  • Children
  • Family

• Business has to be done with both head and heart.

  

  Chanda Kochhar
  • Heart
  • Done
  • Business

• 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.

  

  Chanda Kochhar
  • Time
  • Important
  • Opportunity

• Rather than worrying about entities, we should worry about the trends in technology that may cause disruptions... if we get so paranoid that banking is no longer going to exist and banks are going to get disrupted, I think that is a different worry.

  

  Chanda Kochhar
  • Different
  • May
  • Technology

• I believe in fate, but I also believe that hard work and diligence plays a very important role in our lives.

  

  Chanda Kochhar
  • Work
  • Believe
  • Important

• 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.

  

  Chanda Kochhar

• Nobody likes high interest rates.

  

  Chanda Kochhar
  • High

• 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.

  

  Chanda Kochhar
  • Life
  • Long
  • Insurance