- Bridge
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- Nov 07, 2020
Chanda Kochhar Quotes
Most Famous Chanda Kochhar Quotes of All Time!
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- Last Updated on May 30, 2021
- Job
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- Nov 07, 2020
To reap this demographic dividend, we need to enable the youth to acquire skills required to get the job or become self-employed.
- Give
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- Nov 07, 2020
ICICI Bank was the first bank to recalibrate its ATMs for 2000 and then also for 500 rupee notes, and now we have some ATMs which give out 2000, 500, 100 - all of them.
- Country
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- Nov 07, 2020
Even if it does not become cashless economy, it will become a less cash economy, and I think that itself is going to be a good and big achievement, and I think we are, as a country, gone through many of large changes, and ICICI has been a leader in many of them.
- Moving
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- Nov 07, 2020
The whole thing of moving the currency through currency sorting and detection machines and so on that was the whole process actually encouraging electronic transactions.
- Growth
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- Nov 07, 2020
Punjab is central to our business strategy, and we are an active partner in the state's growth.
- Leverage
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- Nov 07, 2020
We will leverage technology to collaborate with the government in its e-governance initiatives.
- Feel
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- Nov 07, 2020
I think it's important to celebrate your successes. It's important to feel happy about them, but it's equally important to look forward to the next big move.
- Boy
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- Nov 07, 2020
What I was told by my parents was that, you know, take this inhibition out whether you're a girl or a boy. Basically, pursue your dream, and as long as you're a capable and hardworking human being, you will be able to follow and fulfill your dream.
- Eyes
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- Nov 07, 2020
Two eyes are given for a reason. One eye to always look at the opportunity. The second eye to always keep looking at the challenges. Because if you don't balance both, it's very easy to get carried away one way or the other. And it's when you balance the two that you find the most sustainable model.
- Me
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- Nov 07, 2020
My father, in a way, was a mentor in the way he instilled the basic values and ethics in me. My mother was a mentor by showing me an example to say that if women have tenacity, they can achieve whatever they have to.
- Education
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- Nov 07, 2020
Our parents treated all three of us - two sisters and a brother - equally. When it came to education, or our future plans, there was no discrimination between us based on our gender.
- Girl
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- Nov 07, 2020
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.
- Mother
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- Nov 07, 2020
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.
- Haircut
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- Nov 07, 2020
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.
- Being
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- Nov 07, 2020
Lending has come back in retail; it has come back in working capital. It has also come back in other forms, like government contract being given out to companies.
- Eye
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- Nov 07, 2020
My priorities are going to be to play a very balanced role in the sense that I have to keep an eye on the challenges in the environment. At the same time, I have to keep an eye on the optimism that is there for India.
- Important
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- Nov 07, 2020
What's important is that we see each year what the opportunities are, and make use of the opportunity.
- Business
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- Nov 07, 2020
Successful strategic vision lay in the fact that we visualized the retail business to be much bigger, ahead of what others thought it to be.
- Quality
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- Nov 07, 2020
As we were growing retail, and it was a huge growth phase, it was very important to keep our quality under control. Therefore, it was not just distribution, not just back-office operations, but also the risk-management practices. And these we learned together, supported by technology.
- Car
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- Nov 07, 2020
Our focus is more on secured retail business like housing and car loans. While we will do some unsecured loans - credit cards and personal loans - we will do it primarily with existing customers.
- Growth
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- Nov 07, 2020
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.
- Need
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- Nov 07, 2020
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.
- Follow
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- Nov 07, 2020
We don't understand the equity market well, and so we deploy funds in fixed-income securities, and like any other securities, investment in those securities also need to follow the mark-to-market accounting principle.
- Quality
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- Nov 07, 2020
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?
- Daily
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- Nov 07, 2020
We are monitoring the global companies on a daily basis, and their rating continues to be investment grade. We will take immediate action if anything goes wrong.
- Life
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- Nov 07, 2020
We have always said that over the medium and long term, we will disinvest some part of our holding in our major subsidiary companies, and life insurance is our largest subsidiary company.
- Look
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- Nov 07, 2020
If you look at the numbers from 2002 to 2016, we have consistently been market leaders. We have followed a well-articulated strategy, and our focus is to continue that strategy.
- Consolidation
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- Nov 07, 2020
The consolidation that we started in 2009 was clearly the requirement of that time.
- Grow
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- Nov 07, 2020
It's not that the regulator doesn't want the banking industry to grow. The growth of the industry has always been in relation to the GDP (gross domestic product) growth.
- Banking
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- Nov 07, 2020
The growth that we are targeting for our bank is in line with the banking industry.
- Doing
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- Nov 07, 2020
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.
- Efficiencies
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- Nov 07, 2020
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.
- Forward
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- Nov 07, 2020
We have to address impediments that stall implementation of projects and streamline the process to ensure smooth execution going forward. We need to address the leverage levels among corporates to restart investment cycle.
- Infrastructure
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- Nov 07, 2020
A demography that is digitising rapidly, and the potential to invest in infrastructure, are the key strengths of India.
- Doing
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- Nov 07, 2020
When we in our sector talk of the adoption of Indian consumers to new products and innovative ways of doing banking, they always exceed our expectations.
- Country
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- Nov 07, 2020
In India, we have the opportunity to give innovation the kind of scale that no other country in the world can. Innovation is a necessity.
- People
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- Nov 07, 2020
India did not innovate with the ATMs. But when we brought ATMs into India and made the machines talk in 15 regional languages to the people in rural India, we got millions of transactions on the ATM.
- Change
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- Nov 07, 2020
If you take existing ideas and make them affordable and scalable, you substantially change business models. India lacks an education system that is research- and creativity-oriented.
- Power
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- Nov 07, 2020
Power projects are differently placed to road projects. There's difference stress across different companies across different groups based on their leverage levels.
- Growth
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- Nov 07, 2020
My belief is India's banking industry will continue to grow at two and a half times the GDP growth rate.
- Direction
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- Nov 07, 2020
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.
- Government
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- Nov 07, 2020
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.
- Efficiency
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- Nov 07, 2020
The increase in coal production and the efficiency in coal movement are all administrative things that can add a lot to the economic growth.
- Care
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- Nov 07, 2020
As far as discom reforms are concerned, they have to be a combination of two parts. One is the existing balance sheet and, therefore, taking care of that. The second important is the reduction in losses going forward.
- Believe
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- Nov 07, 2020
We believe the new banks will complement the existing banking system, and there will be opportunities for players to identify mutually beneficial partnerships.
- Cards
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- Nov 07, 2020
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.
- Only
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- Nov 07, 2020
Only if you aspire for more will you achieve more.
- Life
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- Nov 07, 2020
I thought work and family complete life. Aarti's enthusiasm and energy levels made me realise that life can be even more wholesome and fuller.
- Growth
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- Nov 07, 2020
I believe that India's long-term growth story is strong, and foreign investors are keen to be a part of it.
- Country
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- Nov 07, 2020
ICICI Group has always been a catalyst in India's growth and continues to support the country in every sphere.
- India
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- Nov 07, 2020
We have a vision of a strong and prosperous India and an equally strong belief that this vision is achievable.
- Financed
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- Nov 07, 2020
Over the years, we have financed projects in core industrial sectors like steel, cement, aluminium and petrochemicals, and in manufacturing sectors like automobiles and textiles.
- Debt
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- Nov 07, 2020
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.
- Down
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- Nov 07, 2020
You have to handle the challenges and emerge stronger from them, rather than allow them to bog you down.
- Family
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- Nov 07, 2020
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.
- Myself
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- Nov 07, 2020
I learnt to always keep my mind open to new ideas and looked at each new assignment as an opportunity to learn and prove myself.
- Great
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- Nov 07, 2020
Adaptability is a great asset to have because life is so unpredictable, and things can change overnight for any of us.
- Journey
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- Nov 07, 2020
Aim for the sky, but move slowly, enjoying every step along the way. It is all those little steps that make the journey complete.
- Dreams
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- Nov 07, 2020
Don't cut corners or compromise to achieve your dreams.
- Hands
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- Nov 07, 2020
Take destiny in your own hands.
- Fate
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- Nov 07, 2020
I believe in fate, but I also believe that hard work and diligence plays a very important role in our lives.
- Our
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- Nov 07, 2020
In a larger sense, we all write our own destiny.
- Path
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- Nov 07, 2020
Make sure you have that conviction to do what you know is right, and once you have it, don't let skeptics distract you from your path.
- Process
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- Nov 07, 2020
What women need are not benefits and advantages but a merit-based selection process that will allow them to automatically benefit from various opportunities.
- Find
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- Nov 07, 2020
A leader has to find opportunities in any environment.
- Environment
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- Nov 07, 2020
Aggression at a time when the economy was growing at substantial rates and the retail lending as an industry was growing at a substantial rate was an appropriate aggression. Caution at a time when the economic environment is so uncertain is an appropriate caution.
- Nov 07, 2020
What is important for a leader is that you walk in a stable manner in your own shoes and do not trip.
- Come
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- Nov 07, 2020
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.
- Business
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- Nov 07, 2020
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.
- Focus
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- Nov 07, 2020
If there is a course that is quant-oriented, you need to focus on that, but if it is a course that is more general management-oriented, do you not need entrance examinations which are more all round?
- Competition
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- Nov 07, 2020
The Indian banking industry has always been full of competition, and there is enough room for growth.
- Consumer
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- Nov 07, 2020
When I moved from consumer banking to international banking, I thought I brought a lot of insights from India we could implement globally.
- Consumer
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- Nov 07, 2020
When I moved from corporate to consumer banking, I brought a lot of synergy with me.
- Challenges
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- Nov 07, 2020
All my challenges have become opportunities.
- International
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- Nov 07, 2020
Moving from corporate banking to retail banking to international banking to supervisory roles has meant completely reinventing myself.
- Family
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- Nov 07, 2020
It's not easy to have it all. Frankly, you know, you have to give as much to the career that the career requires and, at the same time, you have to give as much to the family as the attention that's required.
- Good
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- Nov 07, 2020
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.
- Family
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- Nov 07, 2020
I think I have it all. But I won't say that the credit for all that goes to me. I think the credit for all that goes to everybody around me. I mean, I have it all because my entire family is so cooperative. I have it all because my children did not whine and cry when I was not there. So, I think it's, you know, in a way, a two-way street.
- Men
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- Nov 07, 2020
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.
- Nov 07, 2020
Business models that are relevant today are not relevant tomorrow and were not in existence yesterday.
- Change
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- Nov 07, 2020
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.
- Geography
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- Nov 07, 2020
It's very important to have the comfort of the regulator in every geography where you operate.
- India
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- Nov 07, 2020