Normally, we define banks as being either retail or corporate, but ICICI transformed itself from a corporate bank into a retail bank… — Chanda Kochhar Bank Copy Share Image
Investment in infrastructure is a long term requirement for growth and a long term factor that will make growth sustainable. — Chanda Kochhar Factors Copy Share Image
To reap this demographic dividend, we need to enable the youth to acquire skills required to get the job or become self-employed. — Chanda Kochhar Become Copy Share Image
Adaptability is a great asset to have because life is so unpredictable, and things can change overnight for any of us. — Chanda Kochhar Adaptability Copy Share Image
What my parents believed was that, you know, the best wealth they could give to us children was to educate us and,… — Chanda Kochhar Believed Copy Share Image
Every quarter, we need to see the portfolio and follow the accounting practice of mark-to-market that values investments according to the prevailing… — Chanda Kochhar Accounting Copy Share Image
India did not innovate with the ATMs. But when we brought ATMs into India and made the machines talk in 15 regional… — Chanda Kochhar Computers Copy Share Image
As far as the banking industry is concerned - and I am sure it must be true for various industries as well… — Chanda Kochhar Business Copy Share Image
Let me talk about what the banks are doing, and I think the banks have been working to make sure that, as… — Chanda Kochhar Banks Copy Share Image
If there is a course that is quant-oriented, you need to focus on that, but if it is a course that is… — Chanda Kochhar Examinations Copy Share Image
It's not easy to have it all. Frankly, you know, you have to give as much to the career that the career… — Chanda Kochhar Attention Copy Share Image
Any of our businesses will not exist in the form that is today, will not exist in the same form one year… — Chanda Kochhar Business Copy Share Image
I use my interaction with both my kids to know how the youth today relates to technology, their expectations in terms of… — Chanda Kochhar Customer service Copy Share Image
I had to create a team of people who had worked in this industry for other banks. What I brought to that… — Chanda Kochhar Create Copy Share Image
As far as employees are concerned, clearly I like to communicate with them, since we are more than 40,000 people. I like… — Chanda Kochhar Believe Copy Share Image
As we were growing retail, and it was a huge growth phase, it was very important to keep our quality under control.… — Chanda Kochhar Growth Copy Share Image
Every business has to re-think their own business model and say does it meet this DSM test and do their products and… — Chanda Kochhar Business Copy Share Image
The scope of activities for payments banks mainly includes acceptance of demand deposits, issuance of ATM/debit cards, payment and remittance services, and… — Chanda Kochhar Acceptance Copy Share Image
One thing I would say about the Indian consumer is that as much change and as much technology, innovation that you offer… — Chanda Kochhar Change Copy Share Image
Two eyes are given for a reason. One eye to always look at the opportunity. The second eye to always keep looking… — Chanda Kochhar Balance Copy Share Image
I was only a young girl of 13 when my father passed away from a sudden heart attack, leaving us unprepared to… — Chanda Kochhar Challenges Copy Share Image
The biggest challenge for me, for all of us, was that the consumer-credit market was very, very new for India and for… — Chanda Kochhar Biggest challenge Copy Share Image
I remember the reactions I got when we first visited factories to inspect the projects that we were funding. It was not… — Chanda Kochhar Easy Copy Share Image
When commercial banking opened up for the private sector, I set up the retail-banking division for ICICI and grew it substantially. I… — Chanda Kochhar Bank Copy Share Image
What I was told by my parents was that, you know, take this inhibition out whether you're a girl or a boy.… — Chanda Kochhar Dream Copy Share Image
What we see is that we actually have digital channels through which the customers interact, but we also take the absolute brick… — Chanda Kochhar Customers Copy Share Image
Our focus is more on secured retail business like housing and car loans. While we will do some unsecured loans - credit… — Chanda Kochhar Business Copy Share Image
We believe that rural India is going to be the next driver of growth. You cannot make money overnight there, as you… — Chanda Kochhar Believe Copy Share Image
Remember that relationships are important and have to be nurtured and cherished. Also keep in mind that a relationship is a two… — Chanda Kochhar Mind Copy Share Image
India's growth drivers are actually two growth drivers. One is consumption, which arises out of our demographic advantage. And the other is… — Chanda Kochhar Actually Copy Share Image
As far as discom reforms are concerned, they have to be a combination of two parts. One is the existing balance sheet… — Chanda Kochhar Balance Copy Share Image
Mark-to-market losses are not real loss. It's a notional loss. What we can monitor is the credit quality of the underlying papers.… — Chanda Kochhar Credit Copy Share Image
