Chanda Kochhar Quotes
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We have a vision of a strong and prosperous India and an equally strong belief that this vision is achievable.
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Make sure you have that conviction to do what you know is right, and once you have it, don't let skeptics distract you from your path.
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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.
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Our focus is more on secured retail business like housing and car loans. While we will do some unsecured loans - credit cards and personal loans - we will do it primarily with existing customers.
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Rising incomes and positive demographics will provide opportunities for retail financial services in India.
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India's growth drivers are actually two growth drivers. One is consumption, which arises out of our demographic advantage. And the other is the investments. Because we need a lot of investment in the country.
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I believe that India's long-term growth story is strong, and foreign investors are keen to be a part of it.
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Normally, we define banks as being either retail or corporate, but ICICI transformed itself from a corporate bank into a retail bank and, now, a universal bank.
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No one thing can change the face of any sector.
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Aggression at a time when the economy was growing at substantial rates and the retail lending as an industry was growing at a substantial rate was an appropriate aggression. Caution at a time when the economic environment is so uncertain is an appropriate caution.
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If you take existing ideas and make them affordable and scalable, you substantially change business models.
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You can maintain work-life balance even while pursuing careers.
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It's not easy to have it all. Frankly, you know, you have to give as much to the career that the career requires and, at the same time, you have to give as much to the family as the attention that's required.
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Adaptability is a great asset to have because life is so unpredictable, and things can change overnight for any of us.
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I was only a young girl of 13 when my father passed away from a sudden heart attack, leaving us unprepared to take on life without him. We had been protected from life's challenges so far. But without warning, all that changed overnight.
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Every quarter, we need to see the portfolio and follow the accounting practice of mark-to-market that values investments according to the prevailing market prices and at the price at which they are made.
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I remember the reactions I got when we first visited factories to inspect the projects that we were funding. It was not easy for people to see a woman there. That was a time when most of these workplaces were not even equipped with a loo for women.
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Our approach on lending has always been that we will lend to India-linked assets, because that's the risk that we understand, and that is the business that has been doing very well.
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The whole thing of moving the currency through currency sorting and detection machines and so on that was the whole process actually encouraging electronic transactions.
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It's about maintaining balance. Plan better, be organised. I chose to be a working wife and mother. Why should I compromise on either?
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If there is a course that is quant-oriented, you need to focus on that, but if it is a course that is more general management-oriented, do you not need entrance examinations which are more all round?
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Power projects are differently placed to road projects. There's difference stress across different companies across different groups based on their leverage levels.
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Our large size, capital base, robust funding profile, extensive distribution network, diversified portfolio, presence across the financial services sector, and leadership in technology position us very well to leverage the growth opportunities across the economy.
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To reap this demographic dividend, we need to enable the youth to acquire skills required to get the job or become self-employed.