Chanda Kochhar Quotes
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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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The global market does not understand the India risk as well as we do, and therefore, we have the arbitrage facility of making better margin on the same set of Indian firms than what we would have made by giving rupee loans.
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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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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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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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The important source of finance is now commercial papers, bonds, and so on.
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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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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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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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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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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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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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I had to work just as hard as my male colleagues.
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Take destiny in your own hands.
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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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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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Thankfully I have an ecosystem of in-laws, parents and husband, who are my rocks.
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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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ICICI has been a meritocracy. So, a huge amount a lot of responsibilities, big roles, challenges, have been given to women, not because they are men or women or so on, but they were just given to people who have - who the organization believes has the capability to perform.
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Practise and practise to make your dreams turn into reality.
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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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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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My belief is India's banking industry will continue to grow at two and a half times the GDP growth rate.