absolutely, its always good to first get into other shoes bfr u start pointing the dirt..its rather very easy going to scream, to shout and to say such nice things about an organisation, u may not be knowing the internal mechanism which ICICI Bank has for its customers, i m sure no other would be having it to take care of even the smaleest of the request of the cmrs, all requests, complaints are dealt with utter most seriousness.How can u expect a person to have smile on his face after a continous job of 10 hours, have u ever seen a lunch break or any other excuse during services..at the end of the day ICICI Bank is also a financial institution which has to abide by certian rules and procedures so if a person thinks that his work will be done over ruling all policies coz its a pvt bank sorry boss wake up...so bfr u do reveiew of somebody take points in consideration always...