ICICI has to be the most unethical organization among bigger ones and this man, at the top of it, obviously, is responsible for it and thats his value system as well, which he must have injected in the whole organization. I m writing this after having experienced different wings of ICICI. In terms of service also, they r worst. They dont care to respond to customers genuine requests also. Additionally, its the least transparent FI in the country. If any1 is planning for Homeloan or credit card or banking services, i wd suggest to NOT to go to ICICI under any circumstances. They will offer you moon before you become customer and treat you as trash once u r a customer.