Chanda Kochhar Quotes
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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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It's very important to have the comfort of the regulator in every geography where you operate.
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Only if you aspire for more will you achieve more.
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The growth that we are targeting for our bank is in line with the banking industry.
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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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Whenever there is a challenge, the key is not to get consumed by the challenge but actually to learn from it.
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The biggest challenge for me, for all of us, was that the consumer-credit market was very, very new for India and for ICICI. I was trying to create something that was not just new for me but absolutely unknown to the organization and the country as a whole.
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I use my interaction with both my kids to know how the youth today relates to technology, their expectations in terms of mobility and social solutions by customer services-oriented businesses like banking.
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The Indian banking industry has always been full of competition, and there is enough room for growth.
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I have it all because my children did not whine and cry when I was not there.
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I had to create a team of people who had worked in this industry for other banks. What I brought to that team was ICICI's strategic thinking, but when it came to domain knowledge or product nuances, I had to learn from the team.
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All my challenges have become opportunities.
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Remember to be sensitive to the feelings of people around you.
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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.
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When people come and invest in India, they invest on a certain premise, and the fact that the very premise can change worries them a lot.
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Thankfully I have an ecosystem of in-laws, parents and husband, who are my rocks.
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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.
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We have to always set an aspiration for ourselves and then strive to get there.
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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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Getting small things like Visa or driving licence should be made easier as we, in financial service sectors, are dealing with financial regulations and tax constraints.
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The increase in coal production and the efficiency in coal movement are all administrative things that can add a lot to the economic growth.
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All three of us - two sisters and a brother - were brought up with an emphasis on academics.
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When we in our sector talk of the adoption of Indian consumers to new products and innovative ways of doing banking, they always exceed our expectations.
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Our institutional framework needs to be bolstered further. We have to implement laws like the proposed Bankruptcy Code and GST (Goods and Services Tax), which will create efficiencies and strongly support the business environment.