My association with the ICICI Bank goes back by about twenty years when I opened my account at their Saket branch in Delhi. The first thing that struck me about the bank was the suave and deferential ways of the staff which was a stark contrast to what I was used to in the other two banks which I was compelled to associate myself with. The Punjab National Bank which had my salary account was an utter disaster with its rude and listless staff. The State Bank of India which held my PPF account was the pinnacle of inefficiecy. ICICI came as a pleasant and welcome contrast. However, that bank too underwent an evolution in the wrong direction as time went. When the number of clients rose and the workload became heavy, the gentleness of the staff was the first casualty. Nevertheless, the bank remained far superior to the other two. When I shifted to Kerala I transferred my account to the branch in my hometown. Here the staff were exquisite. But I hardly had to visit the branch because I
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