ICICI as a bank is an average bank from customer view point. they never forget any chance to pick pocket customer like all other private / public sector banks, even though headed by great financial wizards with high intellect and very low ethics levels. These wizards like K V Kamath. Arundhati Bhattacharya, Deepak Parekh etc... always in public media, are very low on ethical banking practices, always ignored the unethical backing practices adopted by their own banks once it comes to customer interface.