Chanda Kochhar Quotes
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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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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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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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When we look at the credit growth, we should look at it in its totality. Let us not only look at the non-food bank credit growth but also look at the growth across all the instruments of financing.
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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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The important source of finance is now commercial papers, bonds, and so on.
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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 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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I think competition is good. It finally delivers the best value to the customer, and I think it keeps all the players on their toes.
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Business models that are relevant today are not relevant tomorrow and were not in existence yesterday.
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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 have always been saying that while - the legislative reforms are good, but there are so many low-hanging fruits that we have look for by taking executive decisions. I think the government is actually moving in the right direction.
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Take destiny in your own hands.
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Thankfully I have an ecosystem of in-laws, parents and husband, who are my rocks.
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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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I had to work just as hard as my male colleagues.
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Remember that relationships are important and have to be nurtured and cherished. Also keep in mind that a relationship is a two way street, so be ready to give a relationship just as you would expect the other person to be giving to you.
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If we look at India and the Indian demographics and the Indian consumer, I think the Indian consumer is going digital, social, and mobile. They want everything in a digital format, everything available on the go, and we socially connected.
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We need to take the country in the right direction, whether it is around administrative policy decisions or legislative changes or ensuring the macroeconomic stability.
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We have to understand that India is a complex country. Everything takes time for the real impact to get translated to the economy.
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What is important for a leader is that you walk in a stable manner in your own shoes and do not trip.
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There were so many occasions when I wasn't around for my kids or my husband. But we learnt to work around it.
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The real underlying value comes if you can put a company back into a running state and it becomes a successful viable entity if it continues to repay loans.
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Practise and practise to make your dreams turn into reality.