Chanda Kochhar Quotes
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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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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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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.
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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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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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What's important is that we see each year what the opportunities are, and make use of the opportunity.
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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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I take all the stress on myself so everyone else can work without stress.
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The growth that we are targeting for our bank is in line with the banking industry.
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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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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.
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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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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.
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When I moved from corporate to consumer banking, I brought a lot of synergy with me.
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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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In a larger sense, we all write our own destiny.
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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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The consolidation that we started in 2009 was clearly the requirement of that time.
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All my challenges have become opportunities.
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Life comprises of both: opportunities as well as challenges.
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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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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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I have it all because my children did not whine and cry when I was not there.