Indian - Businesswoman | November 17, 1966 -
Rising incomes and positive demographics will provide opportunities for retail financial services in India.
Chanda Kochhar
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Nobody likes high interest rates.
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Getting small things like Visa or driving licence should be made easier as we, in financial service sectors, are dealing with financial regulations and tax constraints.
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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.
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I believe in fate, but I also believe that hard work and diligence plays a very important role in our lives.
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I always believe that, as you start out, while you should have a big dream - a big goal - but it's also important to move step by step. So, you know, frankly, if you ask me, when I started as a management trainee in 1984, I don't know that I really thought that I would become the CEO.
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Clearly, for an organization to move on, it is the job of the leader to be that sponge that takes the stress from inside and the outside.
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What my parents believed was that, you know, the best wealth they could give to us children was to educate us and, you know - give us that foundation.
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There were so many occasions when I wasn't around for my kids or my husband. But we learnt to work around it.
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I chose to be a working wife and mother. Why should I compromise on either?
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Normally, we define banks as being either retail or corporate, but ICICI transformed itself from a corporate bank into a retail bank and, now, a universal bank.
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When commercial banking opened up for the private sector, I set up the retail-banking division for ICICI and grew it substantially. I then ran the international side of the ICICI Bank for a few years.
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