Chanda Kochhar Quotes
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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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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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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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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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Business models that are relevant today are not relevant tomorrow and were not in existence yesterday.
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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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I had to work just as hard as my male colleagues.
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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 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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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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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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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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My belief is India's banking industry will continue to grow at two and a half times the GDP growth rate.
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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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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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Payments banks can also act as business correspondents of other banks.
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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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Take destiny in your own hands.
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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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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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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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While working hard for my career, I looked after my family and have been there for my mother and in-laws when they needed me around. They reciprocated in kind with their unconditional love and support for my career.
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The MBA entrance exams are so quantitative-oriented that it keeps out more and more women from joining the MBA classes. If we were to make the entrance exams more all-rounded, you could see more participation.
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A demography that is digitising rapidly, and the potential to invest in infrastructure, are the key strengths of India.