To continue with what I've said, they've increased the customer based disproportionately to their capabilities to handle them or service them, thereby leading to a whole lot of situations where they are so taken in to sort out their own internal issues to bother about customers. Either curb the expansion, or ensure you have a staff base enough to service the people with the right attitude. Else, there's no point just opening branches with a whole bunch of arrogant fools who don't know the ABC of banking.