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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.
Chanda Kochhar -
I think everybody wants GST.
Chanda Kochhar
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I was good with numbers.
Chanda Kochhar -
When I moved from corporate to consumer banking, I brought a lot of synergy with me.
Chanda Kochhar -
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.
Chanda Kochhar -
In a larger sense, we all write our own destiny.
Chanda Kochhar -
What I was told by my parents was that, you know, take this inhibition out whether you're a girl or a boy. Basically, pursue your dream, and as long as you're a capable and hardworking human being, you will be able to follow and fulfill your dream.
Chanda Kochhar -
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.
Chanda Kochhar
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As far as investors and customers are concerned, I make it a point to answer each and every piece of mail that comes to me.
Chanda Kochhar -
Don't cut corners or compromise to achieve your dreams.
Chanda Kochhar -
A leader has to find opportunities in any environment.
Chanda Kochhar -
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.
Chanda Kochhar -
Remember to be sensitive to the feelings of people around you.
Chanda Kochhar -
The consolidation that we started in 2009 was clearly the requirement of that time.
Chanda Kochhar
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As far as employees are concerned, clearly I like to communicate with them, since we are more than 40,000 people. I like to communicate either through e-mail or through video conferencing, which we do very often, and stream out videos and interviews. But more than that, I believe in traveling to my branches.
Chanda Kochhar -
I had to work just as hard as my male colleagues.
Chanda Kochhar -
Only if you aspire for more will you achieve more.
Chanda Kochhar -
My father, in a way, was a mentor in the way he instilled the basic values and ethics in me. My mother was a mentor by showing me an example to say that if women have tenacity, they can achieve whatever they have to.
Chanda Kochhar -
What's important is that we see each year what the opportunities are, and make use of the opportunity.
Chanda Kochhar -
I always believe that, as you start out, while you should have a big dream - a big goal - but it's also important to move step by step. So, you know, frankly, if you ask me, when I started as a management trainee in 1984, I don't know that I really thought that I would become the CEO.
Chanda Kochhar
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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.
Chanda Kochhar -
An entrepreneur, whether man or woman, has to be willing to take help, whether financial or technical, to grow his or her business.
Chanda Kochhar -
The restructuring theme can be of various kinds. Some amount of debt gets serviced out of cash flows, some gets back-ended and resolved with sale of non-core assets of the company, and some debt gets converted into equity which might today look like a haircut.
Chanda Kochhar -
The important source of finance is now commercial papers, bonds, and so on.
Chanda Kochhar