Chanda Kochhar Quotes
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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.
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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.
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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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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.
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I take all the stress on myself so everyone else can work without stress.
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It's very important to have the comfort of the regulator in every geography where you operate.
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In a larger sense, we all write our own destiny.
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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.
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You have to handle the challenges and emerge stronger from them, rather than allow them to bog you down.
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All my challenges have become opportunities.
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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.
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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.
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The consolidation that we started in 2009 was clearly the requirement of that time.
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I learnt to always keep my mind open to new ideas and looked at each new assignment as an opportunity to learn and prove myself.
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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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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.
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What's important is that we see each year what the opportunities are, and make use of the opportunity.
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Only if you aspire for more will you achieve more.
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Aim for the sky, but move slowly, enjoying every step along the way. It is all those little steps that make the journey complete.
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Life comprises of both: opportunities as well as challenges.
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ICICI Group has always been a catalyst in India's growth and continues to support the country in every sphere.
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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.
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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. But it can be done, yes.
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Over the years, we have gone beyond our businesses to take up philanthropic projects in diverse areas - from education to health care to skilling.