83 Chanda Kochhar Quotes for You to Enjoy

Chanda Kochhar

Indian Businesswoman

Born: Nov 17, 1966

Banking Business Opportunities Think Will You

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You have to handle the challenges and emerge stronger from them, rather than allow them to bog you down. Chanda Kochhar

You Challenges Stronger Down Emerge Rather Allow Handle Than Them

Only if you aspire for more will you achieve more. Chanda Kochhar

You Achieve Will More Only Aspire

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. Chanda Kochhar

You Challenges Balance Eyes Opportunity Looking Other Way Carried Eye Easy Find One-Way Given Both Look Most Because Always Very Model Get Sustainable Reason Keep Away Second Two

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. Chanda Kochhar

Me Women Mother Achieve Ethics Father Values Example Whatever Way Say Tenacity Mentor He Instilled Showing Basic

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. Chanda Kochhar

Government Other Back Out Given Retail Come Like Also Contract Being Forms Lending Capital Working Companies

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. Chanda Kochhar

Time Challenges Sense Eye India Environment Balanced Priorities Optimism Very Role Same Going Same Time Keep Play

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. Chanda Kochhar

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. 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? Chanda Kochhar

Time Quality Papers Deterioration Underlying Real Loss Losses Any Interest Paying Companies Credit Monitor

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. Chanda Kochhar

Address Projects Ensure Impediment Investment Implementation Execution Smooth Going Process Stall Cycle Forward Among Levels Leverage Need

A demography that is digitising rapidly, and the potential to invest in infrastructure, are the key strengths of India. Chanda Kochhar

Key Rapidly India Potential Invest Infrastructure Strengths

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. Chanda Kochhar

Innovative Our Ways Sector Indian Adoption Exceed Consumers New Talk Always Doing New Products Expectations Banking Products

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. Chanda Kochhar

Education You Business Change Research System India Take Ideas Make Existing Affordable Models Lacks Substantially Them

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. Chanda Kochhar

Country Changes Ensuring Administrative Direction Take Policy Policy Decisions Around Stability Legislative Whether Decisions Right Right Direction Need

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. Chanda Kochhar

Balance Care Important Taking Combination Concerned Parts Sheet Reduction Losses Existing Reforms Going As Far As Far Forward Therefore Second Two

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. Chanda Kochhar

You Women Out See Classes Exams More More And More Entrance Joining Could Participation Make Were Keeps

Payments banks can also act as business correspondents of other banks. Chanda Kochhar

Business Other Also Banks Act Payments

Rather than worrying about entities, we should worry about the trends in technology that may cause disruptions... if we get so paranoid that banking is no longer going to exist and banks are going to get disrupted, I think that is a different worry. Chanda Kochhar

I use my interaction with both my kids to know how the youth today relates to technology, their expectations in terms of mobility and social solutions by customer services-oriented businesses like banking. Chanda Kochhar

Today Technology Youth Relates Kids Solutions Both Like Know Terms How Mobility Expectations Banking Interaction Social Customer Use Businesses

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