Chanda Kochhar Quotes
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She worked hard till she saw all of us through college and we became independent. I never knew that my mother had such a wealth of self-assurance and belief within her.
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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.
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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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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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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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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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Don't cut corners or compromise to achieve your dreams.
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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 have it all because my children did not whine and cry when I was not there.
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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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Remember to be sensitive to the feelings of people around you.
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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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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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Life comprises of both: opportunities as well as challenges.
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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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ICICI Group has always been a catalyst in India's growth and continues to support the country in every sphere.
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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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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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The important source of finance is now commercial papers, bonds, and so on.
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We have to always set an aspiration for ourselves and then strive to get there.
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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.