Let us look at this Article from a point of view of the man who led. It is not for service levels , which i am sure you will talk about SBI .Let us understand onething that, ICICI Bank have emerged out because of In-efficient Nationalised Banks. Hence as any such organization growing big will have Service Level dissatisfaction . It is people down under will not have the same, as the people who lead it. As our Culture reflects about such things that any one who works in a bank have least Service mindset, unfortunately our Nationalised banks have to be blamed for the same for setting wrong work culture.