Chanda Kochhar Quotes
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A leader has to find opportunities in any environment.
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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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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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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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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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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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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.
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As far as discom reforms are concerned, they have to be a combination of two parts. One is the existing balance sheet and, therefore, taking care of that. The second important is the reduction in losses going forward.
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We actually probably do nothing very special for women. But what we do in a very special manner is to remain an absolute gender-neutral, merit-based organization.
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It is crucial to bridge the critical gap between manpower availability and employability by providing sustainable livelihood opportunities for all to grow and prosper.
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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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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.
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It is always impossible to expect things getting done in 90 days.
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As we were growing retail, and it was a huge growth phase, it was very important to keep our quality under control. Therefore, it was not just distribution, not just back-office operations, but also the risk-management practices. And these we learned together, supported by technology.
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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.
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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.
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Moving from corporate banking to retail banking to international banking to supervisory roles has meant completely reinventing myself.
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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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When I moved from consumer banking to international banking, I thought I brought a lot of insights from India we could implement globally.
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The growth that we are targeting for our bank is in line with the banking industry.
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I was good with numbers.
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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.
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Don't cut corners or compromise to achieve your dreams.