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" Any of our businesses will not exist in the form that is today, will not exist in the same form one year later, two years later... We have to worry about the disruptions in the business models and the practices. "

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" As far as employees are concerned, clearly I like to communicate with them, since we are more than 40,000 people. I like to communicate either through e-mail or through video conferencing, which we do very often, and stream out videos and interviews. But more than that, I believe in traveling to my branches. "

Chanda Kochhar

Employees

I Believe

Believe

" 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. "

" Adaptability is a great asset to have because life is so unpredictable, and things can change overnight for any of us. "

Chanda Kochhar

Life

Change

" We believe the new banks will complement the existing banking system, and there will be opportunities for players to identify mutually beneficial partnerships. "

" Aim for the sky, but move slowly, enjoying every step along the way. It is all those little steps that make the journey complete. "

" I believe in fate, but I also believe that hard work and diligence plays a very important role in our lives. "

" 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. "

" The important source of finance is now commercial papers, bonds, and so on. "

" Take destiny in your own hands. "

" We have to always set an aspiration for ourselves and then strive to get there. "

" 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. "

" 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. "

" 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. "

" 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. "

" 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. "

" 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. "

" Don't cut corners or compromise to achieve your dreams. "

" Thankfully I have an ecosystem of in-laws, parents and husband, who are my rocks. "

" 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? "

" 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. "

" I had to work just as hard as my male colleagues. "

" I think we have to pick up some sectors where we can make India the global hub in the entire value chain, and the most important sector to pick up should be electronics. "

" Only if you aspire for more will you achieve more. "

Chanda Kochhar

Will

Only

" 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. "

Chanda Kochhar

Love

Support