Chanda Kochhar Quotes
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Business has to be done with both head and heart.
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Innovation is a necessity.
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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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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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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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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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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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Rising incomes and positive demographics will provide opportunities for retail financial services in India.
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No one thing can change the face of any sector.
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You can maintain work-life balance even while pursuing careers.
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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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I thought work and family complete life. Aarti's enthusiasm and energy levels made me realise that life can be even more wholesome and fuller.
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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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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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If you take existing ideas and make them affordable and scalable, you substantially change business models.
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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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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 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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I think everybody wants GST.
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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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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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We believe that rural India is going to be the next driver of growth. You cannot make money overnight there, as you have to set up infrastructure there; the value of transactions is lower - you need a few years before you can really make all those businesses profitable.
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Punjab is central to our business strategy, and we are an active partner in the state's growth.
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Don't cut corners or compromise to achieve your dreams.