The restructuring theme can be of various kinds. Some amount of debt gets serviced out of cash flows, some gets back-ended and resolved with sale of non-core assets of the company, and some debt gets converted into equity which might today look like a haircut.

Chanda Kochhar

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Don't give up on something just because you think you can't do it.

Chanda Kochhar

dont-give-up giving-up thinking

We need to start work with the idea that we’re going to learn every day. I learn, even at my position, every single day.

Chanda Kochhar

inspiring ideas needs

I chose to be a working wife and mother. Why should I compromise on either?

Chanda Kochhar

compromise wife mother

Investment in infrastructure is a long term requirement for growth and a long term factor that will make growth sustainable.

Chanda Kochhar

requirements growth long

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.

Chanda Kochhar

dream believe moving

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

Chanda Kochhar

step journey sky way

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

Chanda Kochhar

in-laws parents rocks husband

It is crucial to bridge the critical gap between manpower availability and employability by providing sustainable livelihood opportunities for all to grow and prosper.

Chanda Kochhar

bridge opportunities sustainable grow

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

Chanda Kochhar

things great change life

Practise and practise to make your dreams turn into reality.

Chanda Kochhar

your dreams your-dreams reality

What women need are not benefits and advantages but a merit-based selection process that will allow them to automatically benefit from various opportunities.

Chanda Kochhar

need will women process

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.

Chanda Kochhar

parents you girl long

Take destiny in your own hands.

Chanda Kochhar

your own destiny hands

The issue of access to growth capital is common to all entrepreneurs. Any entrepreneur who can demonstrate a credible business model and plan would be able to access to capital.

Chanda Kochhar

plan entrepreneur growth business

Successful strategic vision lay in the fact that we visualized the retail business to be much bigger, ahead of what others thought it to be.

Chanda Kochhar

ahead thought vision business

Only if you aspire for more will you achieve more.

Chanda Kochhar

more will you achieve

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

me family mother love

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

Chanda Kochhar

fate hard-work work believe

Even if it does not become cashless economy, it will become a less cash economy, and I think that itself is going to be a good and big achievement, and I think we are, as a country, gone through many of large changes, and ICICI has been a leader in many of them.

Chanda Kochhar

good think achievement leader

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.

Chanda Kochhar

bank being now universal