155 Quotes by Chanda Kochhar

Business models that are relevant today are not relevant tomorrow and were not in existence yesterday.

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.

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.

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.

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.

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.

It's very important to have the comfort of the regulator in every geography where you operate.

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.

What's important is that we see each year what the opportunities are, and make use of the opportunity.