No doubt ICICI is all out to use every bit of technology it can to make it’s services much easier , to manage( which even otherwise bank will have to do to manage large client with least personnels) , but they are priced at higher side, vis a vis other relatively comparable technologically advanced Foreign or Private Banks. However now since this bank is about (after full merger of ICICI with its banking subsidiary) to provide all personal financial , saving , investing , and personal loans ( home/ car) all under one roof , this will go long way in ones banking relation.
And their quality of service and authenticity of computer generated system is even doubtful, they charges for non maintenance of qtly. avg. min balance even if it is maintained, that suggest either they debit the a/c manually or if this id done by system automatically , then I doubt the authenticity of the system.
Their max. earning is thru this charges ( they charge for non maintenace of qtly avg. min . balance) , and hence there is likely chances that they will see red in their balance sheet , unless they succeed in their debt restructuring.
But of course the way they advertise is too exorbitant comparing their actual performance AD agencies should take note of that coz yellow advertising is also not good for the health of perticular advertising agency , may be their future ads will not be taken seriously.