Chanda Kochhar Quotes
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Every quarter, we need to see the portfolio and follow the accounting practice of mark-to-market that values investments according to the prevailing market prices and at the price at which they are made.
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There are lots of India-related business which is nourished overseas. I mean India-related business that is done off-shore. There are lot of funds that are invested in India and run by Indians but are being operated from outside, mainly because of the taxation laws.
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Our approach on lending has always been that we will lend to India-linked assets, because that's the risk that we understand, and that is the business that has been doing very well.
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When commercial banking opened up for the private sector, I set up the retail-banking division for ICICI and grew it substantially. I then ran the international side of the ICICI Bank for a few years.
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Our large size, capital base, robust funding profile, extensive distribution network, diversified portfolio, presence across the financial services sector, and leadership in technology position us very well to leverage the growth opportunities across the economy.
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I was only a young girl of 13 when my father passed away from a sudden heart attack, leaving us unprepared to take on life without him. We had been protected from life's challenges so far. But without warning, all that changed overnight.
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Power projects are differently placed to road projects. There's difference stress across different companies across different groups based on their leverage levels.
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We believe that rural India is going to be the next driver of growth. You cannot make money overnight there, as you have to set up infrastructure there; the value of transactions is lower - you need a few years before you can really make all those businesses profitable.
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It is always impossible to expect things getting done in 90 days.
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Let me talk about what the banks are doing, and I think the banks have been working to make sure that, as much as possible, we move the currency to the smaller areas and to as many set of customers as possible.
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It is crucial to bridge the critical gap between manpower availability and employability by providing sustainable livelihood opportunities for all to grow and prosper.
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A leader has to find opportunities in any environment.
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Don't cut corners or compromise to achieve your dreams.
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I was good with numbers.
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The Indian banking industry has always been full of competition, and there is enough room for growth.
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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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I remember the reactions I got when we first visited factories to inspect the projects that we were funding. It was not easy for people to see a woman there. That was a time when most of these workplaces were not even equipped with a loo for women.
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As far as the banking industry is concerned - and I am sure it must be true for various industries as well - is that the only thing that is constant is change. Your business models are changing, the customer demands are changing and the regulations are changing constantly.
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We actually probably do nothing very special for women. But what we do in a very special manner is to remain an absolute gender-neutral, merit-based organization.
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When I moved from consumer banking to international banking, I thought I brought a lot of insights from India we could implement globally.
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To reap this demographic dividend, we need to enable the youth to acquire skills required to get the job or become self-employed.
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Moving from corporate banking to retail banking to international banking to supervisory roles has meant completely reinventing myself.
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We have no exposure in Europe and not made any finances to the companies there. So the question of Greek debt crisis impacting the bank does not arise.
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Resolution can be in any form - S4A, SDR or restructuring - but we need an enabling environment where bankers feel comfortable to take decisions and where they also feel obliged to implement decisions in a timely manner.