this is for those who are criticising ICICI . You people should look at the pathetic condition of the other so called nationalised goverment banks .ICICI has revolutionized banking in india .It has made banking simple,smart and fast for people who are salaried or self employed .look at their innovations and service . Those who are talking about POOR customer care of ICICI should check out customer care in BOB,SBI,BOI and even private banks like HDFC . kudos to Mr.Kamath and his team. Its easy to criticise but its hard to lead