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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?
Chanda Kochhar -
It is always impossible to expect things getting done in 90 days.
Chanda Kochhar
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Let me talk about what the banks are doing, and I think the banks have been working to make sure that, as much as possible, we move the currency to the smaller areas and to as many set of customers as possible.
Chanda Kochhar -
I think we have to pick up some sectors where we can make India the global hub in the entire value chain, and the most important sector to pick up should be electronics.
Chanda Kochhar -
Moving from corporate banking to retail banking to international banking to supervisory roles has meant completely reinventing myself.
Chanda Kochhar -
I take all the stress on myself so everyone else can work without stress.
Chanda Kochhar -
Over the years, we have gone beyond our businesses to take up philanthropic projects in diverse areas - from education to health care to skilling.
Chanda Kochhar -
She worked hard till she saw all of us through college and we became independent. I never knew that my mother had such a wealth of self-assurance and belief within her.
Chanda Kochhar
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As far as the banking industry is concerned - and I am sure it must be true for various industries as well - is that the only thing that is constant is change. Your business models are changing, the customer demands are changing and the regulations are changing constantly.
Chanda Kochhar -
Innovation is a necessity.
Chanda Kochhar -
Punjab is central to our business strategy, and we are an active partner in the state's growth.
Chanda Kochhar -
When I moved from consumer banking to international banking, I thought I brought a lot of insights from India we could implement globally.
Chanda Kochhar -
It's not that the regulator doesn't want the banking industry to grow. The growth of the industry has always been in relation to the GDP (gross domestic product) growth.
Chanda Kochhar -
I believe Indian banks have a strong funding profile with largely deposit-funded balance sheets, a large physical presence to cater to the needs of customers, and ability to provide comprehensive solutions to customers.
Chanda Kochhar
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Our parents treated all three of us - two sisters and a brother - equally. When it came to education, or our future plans, there was no discrimination between us based on our gender.
Chanda Kochhar -
We have no exposure in Europe and not made any finances to the companies there. So the question of Greek debt crisis impacting the bank does not arise.
Chanda Kochhar -
The Indian banking industry has always been full of competition, and there is enough room for growth.
Chanda Kochhar -
Clearly, for an organization to move on, it is the job of the leader to be that sponge that takes the stress from inside and the outside.
Chanda Kochhar -
What we see is that we actually have digital channels through which the customers interact, but we also take the absolute brick channels, which is the branch, and convert that experience into a more digitised experience.
Chanda Kochhar -
We are monitoring the global companies on a daily basis, and their rating continues to be investment grade. We will take immediate action if anything goes wrong.
Chanda Kochhar
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When commercial banking opened up for the private sector, I set up the retail-banking division for ICICI and grew it substantially. I then ran the international side of the ICICI Bank for a few years.
Chanda Kochhar -
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. But it can be done, yes.
Chanda Kochhar -
We have to always set an aspiration for ourselves and then strive to get there.
Chanda Kochhar -
There are lots of India-related business which is nourished overseas. I mean India-related business that is done off-shore. There are lot of funds that are invested in India and run by Indians but are being operated from outside, mainly because of the taxation laws.
Chanda Kochhar