ICICI is overstaffed by an extravagant army of inefficent officers and blunderinging clerks. Further, ICICI has kicked its own ass by hiring its current BPO and Call Centers which are staffed by absolute morons.Any interaction with these are bound to lead to you pulling your own hair in frustration.Incidentally I turned bald recently after a minor exchange of corresspondence/calls at the end of which I was back to square one. Mr. Kamath better review this area of their operations or else he and his army of imbeciles will be down to their knees collecting chillar off the streets.