Chanda Kochhar Quotes
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What my parents believed was that, you know, the best wealth they could give to us children was to educate us and, you know - give us that foundation.
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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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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 have it all because my children did not whine and cry when I was not there.
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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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Mark-to-market losses are not real loss. It's a notional loss.
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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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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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Remember to be sensitive to the feelings of people around you.
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I take all the stress on myself so everyone else can work without stress.
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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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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.
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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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What's important is that we see each year what the opportunities are, and make use of the opportunity.
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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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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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Only if you aspire for more will you achieve more.
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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.
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Every business has to re-think their own business model and say does it meet this DSM test and do their products and services meet the test of being digital, social, and mobile? I think the banks are doing the same.
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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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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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We have to always set an aspiration for ourselves and then strive to get there.
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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.