Chanda Kochhar, 

As the top executive of India’s largest private sector bank with $91 billion in assets, Kochhar is in the driving seat for ICICI Bank’s next phase of growth. She has completed consolidation, cleaned up the books, and finished what analysts estimate to be a Rs 3,000 crore integration with the Bank of Rajasthan. ICICI Bank’s current account-savings account ratio has gone up from 28.7% in March 2009 to 45% in March 2011, provision costs have decreased from 2% to 0.8%, and net nonperforming assets are down from 1.9% in March 2010 to 0.9% this year. Kochhar has also increased the number of branches from 1,400 to 2,500 across 600 cities in the past two years. She is now aiming for a “cautious growth” of 15% a year to position ICICI Bank among the world’s top 20 by 2015.