Chanda Kochhar Quotes
-
It's very important to have the comfort of the regulator in every geography where you operate.
-
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.
-
Resolution can be in any form - S4A, SDR or restructuring - but we need an enabling environment where bankers feel comfortable to take decisions and where they also feel obliged to implement decisions in a timely manner.
-
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.
-
I was good with numbers.
-
Successful strategic vision lay in the fact that we visualized the retail business to be much bigger, ahead of what others thought it to be.
-
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.
-
Payments banks can also act as business correspondents of other banks.
-
My priorities are going to be to play a very balanced role in the sense that I have to keep an eye on the challenges in the environment. At the same time, I have to keep an eye on the optimism that is there for India.
-
All my challenges have become opportunities.
-
To reap this demographic dividend, we need to enable the youth to acquire skills required to get the job or become self-employed.
-
ICICI Bank was the first bank to recalibrate its ATMs for 2000 and then also for 500 rupee notes, and now we have some ATMs which give out 2000, 500, 100 - all of them.
-
The consolidation that we started in 2009 was clearly the requirement of that time.
-
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.
-
Don't cut corners or compromise to achieve your dreams.
-
India did not innovate with the ATMs. But when we brought ATMs into India and made the machines talk in 15 regional languages to the people in rural India, we got millions of transactions on the ATM.
-
The scope of activities for payments banks mainly includes acceptance of demand deposits, issuance of ATM/debit cards, payment and remittance services, and distribution of third-party products.
-
When I moved from corporate to consumer banking, I brought a lot of synergy with me.
-
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.
-
In India, we have the opportunity to give innovation the kind of scale that no other country in the world can. Innovation is a necessity.
-
In a larger sense, we all write our own destiny.
-
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.
-
Two eyes are given for a reason. One eye to always look at the opportunity. The second eye to always keep looking at the challenges. Because if you don't balance both, it's very easy to get carried away one way or the other. And it's when you balance the two that you find the most sustainable model.
-
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.