The article presents information on the learning and development program of ICICI Bank Ltd. Krishnaswamy Ramkumar, the bank's head of human resources, says that the expansion of ICICI's operations outside India to 13 international locations has made the job complex for him. To meet the challenge, the bank pursues a decentralized model that is dependent on strategic partnerships, master trainers within the organization, trusted subcontractors, distance learning technology, trainer and independent learning, and mass training sessions.