CHAPTER 3 PROFILE OF THE SAMPLE RESPONDENTS
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1 CHAPTER 3 PROFILE OF THE SAMPLE RESPONDENTS 3.1 Introduction: The Objective of this chapter is to analyze the profile of the sample respondents. This in turn will help to understand the nature and structure of the sample respondents. The profile of the respondents will help to understand the concept and the framework of the respondents for the banks. The study has been undertaken from the 200 officers and the 100 clerical staff working in 10 public sector bank s branches in Mumbai. The sample of the officers and the clerical staff of the public sector banks have been selected for the study, so as to understand the impact of the BPR exercise on them. In order to understand the profile of officers and clerks as respondents, the variables used for the profile are age of the respondents (officers and clerks), educational qualification of the respondents (officers and clerks), designation of the respondents, and number of years of experience. The chapter is organized as under to understand the socio-economic profile of the sample officer and clerical staff respondents. 3.1 Introduction. 3.2 Composition of the Officers and Clerk respondents. 3.3 Bank wise sample distribution of Officers and Clerks. 3.4 Age of the respondents. (Officers and clerks) 3.5 Gender of the respondents. 3.6 Qualification of the respondents. (Officers and clerks) 3.7 Designation of the respondents. 3.8 No of years of experience. 56
2 3.2 Composition of the officer and clerical respondents: The composition of the respondents selected for the purpose of study represents 200 officers and 100 clerical staff making to the total sample of 300 respondents from the bank. In total, 300 respondents have been selected for the study, out of which 200 are at the officers level and 100 are at clerical level. Out of 300 respondents selected for the study, 200 respondents are at the officer level working at the positions of branch managers, senior managers, officers and the remaining 100 respondents have been taken from the clerical staff of the bank i.e., cashiers, clerks, computer operators. Out of the total 300 respondents, 66.7% of the sample represents the officers and the remaining 33.33% of the respondents are from the clerical level staff. 3.3 Bank wise sample distribution of Officers and Clerks: For the purpose of study, the sample of 200 officers and 100 clerks has been selected so as to find out their contribution to the BPR exercise in their banks and also to find out the impact of BPR exercise of their banks on them. The Table 3.1shows the distribution of 200 officers and 100 clerical staff from the respective banks. TABLE 3.1 Bank Wise Distribution of Sample Respondents Name of the Bank Frequency Frequency of Officers of Clerks Total % Allahabad Bank Bank of India Bank of Maharashtra Central Bank of India Punjab National Bank State Bank of India United Commercial Bank Union Bank of India United Bank Of India Vijaya Bank Total
3 The Table 3.1 shows that out of total 300 respondents as officers(200) and clerks(100), 22 have been selected from Allahabad Bank, 27 have been selected from Bank of India, 42 have been selected from Bank of Maharashtra, 45 have been selected from the Central Bank of India, 23 have been selected from Punjab National Bank, 33 have been selected from State Bank of India, 28 from the UCO Bank, 31 from the Union Bank of India, 26 from the Vijaya Bank. For better understanding, bankwise sample respondents are presented in Figure 3.1. FIGURE 3.1 Distribution of sample respondents bankwise in % United Bank Of India 10% Union Bank of India 9% Vijaya Bank 11% ALLAHABAD 7% BOI 9% BOM 14% UCO 8% SBI 11% PNB 8% CBI 15% The above Figure 3.1 reveals the selection of the sample respondents as officers and clerks from the various banks. The researcher has used random sampling technique to select the respondents from the various banks. The sample represents the entire population. 15% of the respondents have been taken from Central Bank of India, 14% of the sample is selected from the Bank of Maharashtra, 11% from State Bank of India, 10% from United Bank of India, 9% from Union Bank of India, 9% is from Bank of India, 11% is from Vijaya Bank, 8% from Punjab National Bank and UCO Bank, and 7% from Allahabad Bank respectively. 58
4 3.4 Age of the respondents (officers and clerks): The researcher has made sincere attempt to classify the sample of respondents on the basis of their age group. It was identified that there is a specific age group of respondents who are working in the banks. The table below shows the distribution of the sample respondents according to the age of the respondents. TABLE 3.2 Age of the respondents officers clerks Total age of respondents frequency % (officers) frequency % (clerks) frequency % 25years- 35 years years- 45years above 45 years The Table 3.2 shows that the respondents interviewed has been divided in to three age groups i.e., between 25 to 35 years, between years and lastly above 45 years of age,which reveals that out of the 200 officers and 100 clerks as sample respondents, 10 and 15 respondents are in the age group of 25 to 35 years of age respectively. Similarly, 45 officers and 30 clerks are in the age group of years of age respectively. And 145 officers and 55 clerks are in the age group of above 45 years of age. Thus majority sample respondents belong from above 45 years age group. The percentagewise sample respondents distribution is given in Figure
5 % of respondents FIGURE 3.2 Distribution of Respondents Based On Age In % age of respondents years- 35 years 35years- 45years above 45 years age Series1 Series2 The Figure3.2 reveals that 5% of the officer respondents and 15% of the clerk respondents are in the age group of 25 to 35 years of age, where as 22.5% of officers and 30% of clerk respondents are in the age group of 35 to 45 years of age. It is observed that majority of the respondents i.e., 72.5% of the respondents in the officers in the age group of above 45 years of age and 55% of the clerical staff in the age group of above 45 years of age. It can be observed from the above data that majority of the respondents in the officers and in the clerical level are at the above 45 years of age. Overall it is clear from Figure 3.2 that majority (66.67 percent) staff of banking is in the 45 and above age group followed by years age group (25 percent). 3.5Gender of the respondents: Both male and female are working in banks but not in equal proportions. Male workers are more than female workers. This is presented in Table
6 Percentage TABLE 3.3 Gender of the respondents GENDER OFFICERS CLERKS No. of officers % No. of clerks % TOTAL % male female FIGURE 3.3 Distribution of respondents based on gender in % male female Officers (%) Clerks(%) Total(%) It can be seen from Table 3.3 and Figure 3.3 that 1. Out of 300 respondents, 200 (66.67 percent) and 100 (33.33 percent) respondents are male and female working in sample banks. 2. Out of 300 respondents, 200 and 100 respondents are officers and clerks. 3. Out of 200 officer respondents, 150(75 percent) are male and rest 50 are female (i.e. 25 percent). It means as compared to male officers, female officers are just 61
7 one-third. In other words, male and female officers are in the ratio of 3:1, indicating wide gap. There is no equality at all. 4. Out of 100 clerks respondents, 50:50 are male and female; it indicates, participation of female at clerk level has increased. Overall majority (66.67 percent) respondents are male. 3.6 Qualification of the respondents (officers and clerks): The researcher has made an attempt to study the educational background of the sample respondents as officers and clerks of the banks. The distribution of the respondents according to the educational qualification is presented in the Table 3.4 and Figure 3.4. TABLE 3.4 Educational qualification of the respondents Qualification of the respondents Frequency Percent Post graduate Graduate HSC SSC Below SSC Total The above data reveals that out of 300 respondents, 113 respondents are post graduates, 166 respondents are graduates, 7 respondents have educational qualifications up to HSC, 12 respondents have done SSC, and 2 respondents have educational qualifications below SSC. The percentagewise distribution sample as per qualification is given in Figure
8 % of respondents FIGURE 3.4 Distribution of respondents based on qualification in % qualification of respondents(officer and clerks) post grad graduate hsc ssc below ssc qualification The Figure 3.4 reveals that 55.3% of the respondents are graduates, followed by 37.7% of the respondents being post graduate and also having professional qualifications like CA, LLB etc, where as 2.3% of the respondents have done education till HSC and 4% have completed their education till SSC. It is revealed from the data that majority of the respondents have educational qualifications up to graduation level in the banks followed by more number of post graduate respondents in the banks. 3.7 Designation of the respondents: The distribution of the sample respondents as per their designation is presented in the Table
9 TABLE 3.5 Designation of the respondents Designation of the respondents Name of the bank Branch officers Senior No. of Officers clerks Officer Cashier CTO clerk Total Manager Manager ALLAHABAD Bank of India Bank of Maharashtra Central Bank of India Punjab National Bank State Bank of India United Commercial Bank Union Bank of India United Bank of India Vijaya bank Total % From the Table 3.5, it is revealed that 46 respondents of the sample are at the designation of Branch Manager, 90 respondents are at the designation of Senior 64
10 % of respondents Manager, 64 respondents are at the designation of the Officer, whereas 11 respondents are on the designation of cashier, 52 respondents are on the designation of CTO (Computer Operator) and 37 respondents are working on the designation of the Clerk. FIGURE 3.5 Distribution of respondents based on the designation in % Branch Manager Senior Manager Officer Cashier CTO clerk designation of respondents The Figure 3.5 reveals that 30% of the respondents selected for the study are at the designation of Senior Managers, 21.34% of the respondents that have been selected for the study are at the designation of the Officer, 15.33% of the respondents are at the designation of Branch Manager in the Bank % of the respondents are on tthe designation of CTO (Computer Operator), followed by 12.33% of the respondents having designation of Clerk and 3.67% of the respondents as Cashier. It is revealed from the above data, that majority of the respondents have been selected on the designation of senior managers at the officers level and at the clerical level, majority of the respondents are at the designation of CTO(Computer Operators) and Clerks, so as to get the correct view of the respondents regarding the BPR exercise undertaken in their banks. 65
11 3.8 No of years of experience: The researcher has made an attempt to find out the number of years of experience of the sample respondents. The respondents have been selected from the various experience, so as to get the correct picture of the impact of the BPR exercise in the bank. The Table 3.6 shows the distribution of the respondents as per the number of years of experience in the bank. TABLE 3.6 Number of years of experience of respondents Officers Clerks Total No. of years of experience No. % No. % No. % 1-10years years years more than 20 years Total The Table 3.6 reveals that out of 200 Officer Respondents, 25 Officer respondents have experience of 10 years, whereas, 55 Officer respondents have an experience ranging between 10 and 15 years. Out of 200 Officer respondents, 100 have an experience of more that 15 years but less than 20 years. Only 20 Officer respondents have an experience of more than 20 years. The data also reveals that out of 100, 15 Clerk respondents have experience of 10 years. Whereas,15 Clerk respondents have an experience of more than 10 years but less than 15 years. Out of 100 Clerk respondents, 60 have an experience of more that 15 years but less than 20 years. And only 10 Clerk respondents have an experience of more than 20 years. It is interesting to see the participation of the samples in study based on percentage and their experience. This is presented in Figure
12 percentage FIGURE 3.6 Distribution of Respondents Based on Years of Experience in % officers clerks years 10-15years years more than 20 years no. of years (A) The Figure3.6 reveals that about 12.5% of the respondents in the officers have an experience in between 1 and 10 years, whereas, 27.5% of the officer respondents have an experience ranging from 10 to 15 years. 50% of the officer respondents have an experience ranging from 15 to 20 years,and 10% of the respondents have an experience of more than 20 years. The study reveals that majority of the sample officer respondents have an experience of 15 to 20 years in the bank, which shows their long association with the bank. (B) The Figure 3.6 also reveals that about15% of the Clerk respondents have an experience ranging between 1 and 10 years, whereas 15% of the respondents have an experience ranging between 10 and 15 years. 60% of the clerical staff respondents have an experience ranging between 15 to 20 years and 10% of the respondents having an experience of more than 20 years. The above data reveals that majority of the Clerk respondents have an experience ranging between 15 to 20 years, which shows their long association with the banks. 67
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