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Uday Kotak Quotes
Uday Kotak
Profession : Businessman
Birth : March 15, 1959
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Uday Kotak
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Younger customers are the future, but older customers have the money. So you need both: one for the present, and the other for the future.
Uday Kotak
Our view is that younger customers love our digital offering, our mobile banking applications and so on. Older customers expect relationship managers and want much more personal attention in terms of their needs.
Uday Kotak
As we were all growing up, there used to be a very big mantra in India which was called 'export or perish.' There was a long period when we used to focus on import substitution.
Uday Kotak
A weaker currency is a national tariff. After we get a weaker currency, we have to take advantage of that. Or else, we will waste it once more in inflation and in the inability to raise competitiveness.
Uday Kotak
If you look at 2009, why did the recovery happen? Recovery happened because somebody in the world's largest economy opened the tap: the U.S., followed by Europe and now Japan.
Uday Kotak
The single biggest resource India has is people and skill.
Uday Kotak
I am a believer in the journey and enjoying the journey.
Uday Kotak
Culture is about the mindset of people, and we are very happy to have a strong combined mindset of people.
Uday Kotak
I have got nothing against family companies, but there must be real equity, that is all I say. It cannot be based on influence or political friendships. It has to be based on real equity backing their dreams.
Uday Kotak
If India grows steadily and does the structural things right and carefully unties knots, builds an institutional process which sort of cleans up the corruption and the baggage in the system, I see it as a wonderful marathon.
Uday Kotak
We are going to position ourselves as a world-class financial institution. We want to do things that are comparable to the best in the world. At the same time, we want to have very strong human qualities.
Uday Kotak
Kotak Mahindra Bank has very significant presence in the West and the North, and our total branch network between these two regions is 80 per cent, and in case of ING Vysya Bank, their network in South is 64 per cent of their total branch network.
Uday Kotak
Our approach to banking is very different from the traditional banks or even some of the new banks. We do not necessarily go out and write single-cheque, large-ticket loans.
Uday Kotak
We are extremely focused on building some of the assets which are going into mid-India, semi-urban and rural, and that's our DNA. We are building a retail bank, and a lot of the deposit base is still in urban India.
Uday Kotak
In equities, you price the risk. As far as debt is concerned, if the markets get more sophisticated where, for the levels of risks that you take, you get the debt returns, we will certainly look at it. It's back to a philosophy of risk-adjusted returns.
Uday Kotak
In a marathon, if you run too fast, you get exhausted. If you run too slow, you never make it.
Uday Kotak
My view is the core engine supporting India's growth aspiration will be the financial sector, which will have to get more efficient.
Uday Kotak
The government should move towards supporting aspirations and not entitlement. Subsidies supporting non-productive growth should be reduced.
Uday Kotak
If companies are able to raise equity from the market, then their problems for financing incomplete projects will come to end. Investment cycle in the capital market can kick-start with the money of savers and investors.
Uday Kotak
Foreign investors are looking for a consistent and stable policy in India.
Uday Kotak
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