Chanda Kochhar Quotes
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I had to work just as hard as my male colleagues.
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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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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.
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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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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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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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It is crucial to bridge the critical gap between manpower availability and employability by providing sustainable livelihood opportunities for all to grow and prosper.
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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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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.
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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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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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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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You have to handle the challenges and emerge stronger from them, rather than allow them to bog you down.
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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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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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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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An entrepreneur, whether man or woman, has to be willing to take help, whether financial or technical, to grow his or her business.
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The growth that we are targeting for our bank is in line with the banking industry.
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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.
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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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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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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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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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The scope of activities for payments banks mainly includes acceptance of demand deposits, issuance of ATM/debit cards, payment and remittance services, and distribution of third-party products.