Credit Quote by Chanda Kochhar
“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. Are the companies paying interest on time? Is there any deterioration in the credit quality of these companies?”
About This Quote
Source Interview: Financial Services Conference, 2020
Notional losses differ from actual credit risk; monitor borrower payments and credit quality.
In simple terms: Losses on paper aren't real; watch credit health.
Key Takeaway
Focus on credit quality, not paper losses.
Themes
finance
risk management
credit
Mood
analytical
pragmatic
Type
financial
educational
When to use this quote
- portfolio review
- credit monitoring
- loan underwriting
- risk reporting
Key Concepts
financial analysis
valuation
investment strategy
Questions to Reflect On
- How do you assess credit health?
- What indicators signal credit deterioration?
A Different Perspective
Market volatility can obscure true risk.
