Chanda Kochhar

No one thing can change the face of any sector. ”

To reap this demographic dividend, we need to enable the youth to acquire skills required to get the job or become self-employed. ”

Over the years, we have gone beyond our businesses to take up philanthropic projects in diverse areas - from education to health care to skilling. ”

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. ”

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. ”

I believe Indian banks have a strong funding profile with largely deposit-funded balance sheets, a large physical presence to cater to the needs of customers, and ability to provide comprehensive solutions to customers. ”

It's about maintaining balance. Plan better, be organised. I chose to be a working wife and mother. Why should I compromise on either? ”

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. ”

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? ”

I remember the reactions I got when we first visited factories to inspect the projects that we were funding. It was not easy for people to see a woman there. That was a time when most of these workplaces were not even equipped with a loo for women. ”