Chanda Kochhar Quotes
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In India, we have the opportunity to give innovation the kind of scale that no other country in the world can. Innovation is a necessity.
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We are monitoring the global companies on a daily basis, and their rating continues to be investment grade. We will take immediate action if anything goes wrong.
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In a larger sense, we all write our own destiny.
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Mark-to-market losses are not real loss. It's a notional loss.
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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 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 Group has always been a catalyst in India's growth and continues to support the country in every sphere.
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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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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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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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I take all the stress on myself so everyone else can work without stress.
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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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All three of us - two sisters and a brother - were brought up with an emphasis on academics.
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Only if you aspire for more will you achieve more.
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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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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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You have to handle the challenges and emerge stronger from them, rather than allow them to bog you down.
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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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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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Over the years, we have gone beyond our businesses to take up philanthropic projects in diverse areas - from education to health care to skilling.
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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.
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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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The important source of finance is now commercial papers, bonds, and so on.