Small and Large Branches on a Banking Organization & Their Performances

8/7/2019 Small and Large Branches on a Banking Organization & Their Performances

http://slidepdf.com/reader/full/small-and-large-branches-on-a-banking-organization-their-performances 1/28

Difference in

Human Resource Management Practice

In

Small and Large Branches on a Banking

Organization & Their Performances

i



Course Title: Human Resource Management

Course Code: MGT-3122

Semester: Fall 2009

Sec: d

Term Paper on:

“Difference in Human Resource Management Practice in Small and

Large Branches on a banking organization and their performances”

Prepared for:

Mohammad Abdul Jabber

Senior Lecturer

Department of Business Administration,

United International University

Prepared by:

Group: Warrior

Name ID

Ishrat Akifa 111 072 091

Meskat Ibne Sharif 111 072 070

Afroza Sultana 111 072 047

Abdur Rahman 111 073 039

Shamima Rahman 111 072 236

Date of Submission: January 10, 2010

ii



ABSTRACT

Our course instructor was give a term

paper on Difference in Human Resource Management Pract ice in Smal l

and Large Branches on a banking organization and their performances. We

have tr ied our level best to f ind out investigative and research picture of

difference in performances of Small and Large Branches on a banking

organization In this perm paper we have selected CITY BANK LIMITED.

The City Bank Limited has s t a rt ed i ts operat ion tha t i s; the da te of

incorporation is March 14, 1983 under the l icense issued by Bangladesh

Bank as the f ir st private sec tor Bank in Bangladesh with authorized

capital of Tk. 1.75 Bi l l ion. The vision of Ci ty Bank is to be the leading

bank in the country with best practices and highest social commitment to

contribute to the socioeconomic development of the country and maximize

bank’s profi ts by ensuring i ts s teady growth. We have observed the ci ty

bank Personal commitment, Brand Involuntary commitment, Ontological

commitment , Cel l commitment , commitment . In our analyzing par t we

have found that ci ty banks Small branch mean 3.24 shows commitment

policy and large branch mean shows control policy adoption. And we

find that size is a matter for adoption of policy.

iii



LLETTER ETTER OFOF TTRANSMITTALRANSMITTAL

January10, 2010

Mohammad Abdul Jabber

Senior Lecturer

Department of Business Administration

United International University

Dhanmondi

Dhaka

Dear Sir,

We, the undersigned students of Human Resource Management (MGT-3122) course sec-d, were assigned to submit a Term Paper on “Difference in Human Resource

Management Practice in Small and Large Branches on a banking organization and their

performances”.

We considered your instructions and remarks very carefully while preparing this TermPaper. We tried our best to follow your schedule, format and discipline.

We tried to visualize all the areas related to this Term Paper. Cooperation among our

group was excellent. As a group, we shared our information, knowledge and skill witheach other. We would like to express our heartiest gratitude to you for your tiresome

effort for us, which provided us with the opportunity to prepare our Term Paper.

Thank you for your consideration.

Sincerely Yours,

Ishrat Akifa ID: 111 072 091 _______________

Meskat Ibne Sharif ID: 111 072 070 _______________

Afroza Sultana ID: 111 072 047 _______________

iv



Abdur Rahman ID: 111 073 039 _______________

Shamima Rahman ID: 111 072 236 _______________

AACKNOWLEDGEMENTCKNOWLEDGEMENT

First of al l , we are expressing our grati tude to Almighty Allah, because of

whom we are being able to prepare this Term Paper . We would l ike to

express our respect and heart iest grati tude to Mohammad Abdul Jabber,

course instructor of MGT-3122, Sec-d United International Universi ty.

Without his kind advice and guidance we would not have been able to

prepare this Term Paper. We would also l ike to thank our senior brothers

and fr iends who have helped us by giving valuable advices and by sharing

their experiences, guideline and information. We are paying our heart iest

appreciat ion to al l of these people for their great cooperation, which will

be always remembe red by us.

v



DECLARATION

We here declare that the information that is provided in this term paper is

n ot c op ie d f or m a nyw he re . I n t hi s te rm p ap er th er e i s n o il le ga l

information that may violate the banking law or there is nothing inputted

that is against the nation’s welfare. I t is only a part of our course Human

Resource Management.

vi



LLETTERETTER OFOF CCAUTIONAUTION

This is to inform that the term paper is on “Difference in Human Resource

M an ag em en t Pr ac ti ce in Sm all a nd L ar ge B ra nc he s o n a b an ki ng

organizat ion and thei r performances” that has been prepared in par t ial

fu lfillm ent o f the req uiremen t o f the co urse Hu man Reso urc e

Management . I t has been prepared for academic bas is only . This should

not be copied for any purpose. If anyone copies i t , s teps should be taken

against him/her. It is only for UIU, so anyone must not copy it without the

permission of faculty.

Ishrat Aki fa

ID: 111 072 091 _______________

Meskat Ibne Sharif

ID: 111 072 070 _______________

Afroza Sultana

ID: 111 072 047 _______________

Abdur Rahman

ID: 111 073 039 _______________

vii



Shamima Rahman

ID: 111 072 236 _______________

R R ESEARCHESEARCH AAREAREA

F or our t er m paper we needed t o s ur vey t wo b ranches o f any bank

organization, that’s why we surveyed “The City Bank”. This is a renowned

bank of Bangladesh, whose Head Off ice i s a t 136 , Gul shan Avenue,

Gulshan-2 named “City Bank Center”. For our survey we selected two

branches of T he City Bank they a re---

(1) Dhaka Chamber Branch

Chamber Bhaban 65-06

Motijheel C/A, Dhaka-l000

Phone: 9563897 9571

(2) Foreign Exchange Branch

27 Dilkusha CIA, Dhaka-1000

Phone: 9564315, 9559388

R R ESEARCHESEARCH QQUESTIONUESTION

For our survey we created a number of questions. We shorted the mostrelevant and technical questions as our instructor advised. We tried to

utilize our work through this questioner that has twelve dimensions --

(1) Job Scope

(2) Task Assignment

(3) Supervision

viii



(4) Organizational Structure

(5) Learning

(6) Training

(7) Employee Role

(8) Status(9) Employee Participation

(10) Decentralization

(11) Social Activities

(12) Basis of Payment

Through this dimensions we tried that that employees may express their

opinion freely.

TTABLEABLE OFOF CCONTENTSONTENTS

ix

1.0 Introduction 1-2

2.0 HISTORY OF THE ORGANIZATION 3-6

3.0 THEORIZING 7

4.0 Analyzing 8-9

5.0 Findings 10-12

6.0 Conclusion 13

7.0 References 14

8.0 Appendix 15

Topics Page No.



1.0 INTRODUCTION

1.1 Origin of the Problem

Whi le doi ng t he Human Res ource Management cours e; our cours e

instructor Mohammad Abdul Jabber assigned us to submit a Term Paper on“Difference in Human Resource Management Practice in Small and Large

Branches on a banking organization and their performances”.

1.2 Objectives of the Study

The main objectives of the term paper is to -

Find out the real picture of di f ference in Human Resource

Management Practice.

Find out the picture of difference in performances of Small andLarge Branches on a banking organization

Find out that whether the difference is for size or for policy of

the banking organization

x



1.3 Scope

This Term Paper having a grea t dea l of i s sues has provided us a wide

range of scope of doing analysis &, interpretation. Here we have included

the present scenar io of Di fference in Human Resource Management

Practice in Small and Large Branches on a banking organization and their performances”.

1.4 Methodology

This Term Paper is an exploratory type of study. We have used two type’s

primary and secondary data. I t has made the Term Paper more realist ic.

That is --

(1)Primary data :

We col lect ed p ri mary dat a by s ur vey t hr oughquestioner.

(2) Secondary data:We collected Secondary data through internet,

annual repot, text book, SPSS . It has made the Term Paper more realistic.

1.5 Limitation

One of the noticeable l imitat ions of the study is the lack of experience of

u s. W e a re n ew i n t hi s fi el d a nd n ot sk il le d a bo ut t he p ro ce ss o f

analyzing. The complex data collection procedures are also stood st i l l as

an obstacle in the way of our research. In case of the survey in bank and

data col lect ion, though we have managed to have appointments but one

big problem were our insuff icient informat ion that i s the sample is not

sufficient for this research.

xi



2.0 HISTORY OF THE ORGANIZATION

2.1 Establishment of City Bank

The City Bank Limited has started its operation that is; the date of incorporation is March

14, 1983 under the license issued by Bangladesh Bank as the first private sector Bank in

Bangladesh with authorized capital of Tk. 1.75 Billion. The bank is listed with Dhaka

Stock Exchange Limited and Chittagong Stock Exchange Limited in 1986 as a publicly

traded company for its general class of shares.

The City Bank Limited serves its customers at home with 83 branches spread over the

country with total manpower of 1991. The Bank has expanded its services over the years,

which covers wide diversified areas of trade, commerce & industry. They have always

tried to provide different products and services to the customers through their wide and

ever growing domestic network . [1]

2.2 Vision of City Bank

xii



The vision of City Bank is to be the leading bank in the country with best practices and

highest social commitment. [2]

2.3 Mission of City Bank

City Bank has certain missions that they focus on achieving. These are as follows:

• To contribute to the socioeconomic development of the country

• To attain the highest level of customer satisfaction through extension of services by dedicated and motivated team of professional

• To maintain continuous growth of market share ensuring quality

• To maximize bank’s profits by ensuring its steady growth

• To maintain the high moral and ethical standards

• To ensure participative management system and empowerment of Human

Resources

• To nurture an enabling environment where innovativeness and performance is

rewarded. [2]

2.4 Major types of financing

o Working Capital Finance

o Short Term Financing

o Mid Term Financing

o Project Finance

o Lease and Long Term Loans

o Structured Finance

o Islamic Finance

o Liquidity Management

xiii



o Payment Service [1]

2.5 The Relationship of City Bank’s Affective and CognitiveSystems

[1]

2.6 Major Competitors of the bank

The City Bank Limited is the first private sector Bank in Bangladesh. Since 1983 it has

been operating successfully in Bangladesh. It is one of the First Generation banks. Other

First Generation banks are AB Bank Ltd, IFIC Bank Ltd, UCBL, National Bank Ltd and

Islami Bank Bangladesh Ltd. [1]

2.7 Investment Portfolio: (Loans they provide)

Last year the City Bank invested Tk. 26,788,466,138/= in Private sector in Bangladesh.

Among this the biggest share of 60% was invested in various kinds of loans, 25% was

given as cash credits, 8% as overdrafts and only 7% was spent to buy different kinds of

bills as investments. [1]

The City Bank

Affective System Cognitive System

Emotions

FeelingsMoods

Evaluations

KnowledgeMeanings

Beliefs

xiv



2.8 Major Borrowing: (Loan they collect)

The City Bank has borrowed cash in the year 2007 and they borrowed from the domestic

borrowing sources, not from the foreign sources. Actually this is a good sign that the

bank depending on the economy and thus contributing to it. The bank collected cash from

Janata Bank (88%) and DBBL (12%). From the total borrowing of Tk. 8 50,000,000/=,

Janata Bank Ltd. has provided TK. 7 50,000,000/= and Dutch-Bangla Bank Ltd has

provided TK. 1 00,000,000/=. , which was an unsecured borrowing. The borrowing was

very short-term, which is only for one month. [1]

xv



3.0 THEORIZING

3.1 Commitment:

Means to show loyalty, duty or pledge to something or someone, and can refer to:

• Personal commitment: Interaction dominated by obligations. These obligations

may be mutual, or self-imposed, or explicitly stated, or may not. Distinction is

often made between commitment as a member of an organization (such as a

sporting team, a religion, or as an employee), and a personal commitment, which

is often a pledge or promise to ones' self for personal growth.

• Brand: commitment refers to the strength of the relationship between consumers

(or customers) and a particular brand (or service).

xvi

http://en.wikipedia.org/wiki/Personal_commitment

http://en.wikipedia.org/wiki/Brand

http://en.wikipedia.org/wiki/Personal_commitment

http://en.wikipedia.org/wiki/Brand



• Involuntary commitment, the practice of using legal means or forms to commit a

person to a mental hospital, insane asylum or psychiatric ward against the will or

over the protests of that person.

• Ontological commitment , belief in an ontology in philosophy.

• Cell commitment, the molecular event that Leeds to cellular differentiation.

• Organizational commitment can mean something pledged by an organization as

opposed to its members. [3]

3.1 Control:

Control is one of the managerial functions like planning , organizing , staffing and

directing . It is an important function because it helps to check the errors and to take the

corrective action so that deviation from standards are minimized and stated goals of the

organization are achieved in desired manner. According to modern concepts, control is a

foreseeing action whereas earlier concept of control was used only when errors were

detected. Control in management means setting standards, measuring actual performance

and taking corrective action. Thus, control comprises these three main activities. [4][5]

4.0 Analyzing

In, this term paper we want to find out weather there is any difference in human resource

policy in large organization and small organization. In this table, there contains 12

dimension. Each dimension is divided into two parts:1. Large organization.

2. Small organization.

In the following table we show the twelve dimensions result regarding control andcommitment policy.

One-Sample Test

xvii

http://en.wikipedia.org/wiki/Involuntary_commitment

http://en.wikipedia.org/wiki/Ontological_commitment

http://en.wikipedia.org/wiki/Ontology

http://en.wikipedia.org/w/index.php?title=Cell_commitment&action=edit&redlink=1

http://en.wikipedia.org/wiki/Organizational_commitment

http://en.wikipedia.org/wiki/Involuntary_commitment

http://en.wikipedia.org/wiki/Ontological_commitment

http://en.wikipedia.org/wiki/Ontology

http://en.wikipedia.org/w/index.php?title=Cell_commitment&action=edit&redlink=1

http://en.wikipedia.org/wiki/Organizational_commitment



Test Value = 0

t df Sig. (2-tailed)Mean

Difference

95% Confidence Intervalof the Difference

Lower Upper

Js

(large)6.725 9 .000 2.8000 1.8582 3.7418

Js(small)

6.708 9 .000 2.0000 1.3256 2.6744

Ta(large) 9.000 9 .000 3.0000 2.2459 3.7541

Ta(small)

6.708 9 .000 3.0000 1.9883 4.0117

Sp(large) 9.391 9 .000 3.5000 2.6569 4.3431

Sp(small)

14.402 9 .000 4.4000 3.7089 5.0911

Os(large) 4.583 9 .001 1.4000 .7089 2.0911

Os(small)

5.056 9 .001 2.8000 1.5473 4.0527

L(large)

10.142 9 .000 4.0000 3.1078 4.8922

L(small)

8.593 9 .000 3.8000 2.7996 4.8004

T(large)

13.038 9 .000 4.1000 3.3886 4.8114

T(small)

16.837 9 .000 4.2000 3.6357 4.7643

Er (large)

16.837 9 .000 4.2000 3.6357 4.7643

Er (small)

16.517 9 .000 4.3000 3.7111 4.8889

S(large)

7.660 9 .000 2.9000 2.0436 3.7564

S(small)

8.573 9 .000 2.8000 2.0612 3.5388

Ep(large)

6.091 9 .000 1.3000 .8172 1.7828

Ep(small)

3.737 9 .005 1.5000 .5920 2.4080

D(large)

9.099 9 .000 4.3000 3.2309 5.3691

D(small)

3.375 9 .008 1.8000 .5935 3.0065

Sa(large)

4.019 9 .003 1.7000 .7432 2.6568

Sa(small) 4.243 9 .002 2.0000 .9336 3.0664

Bp(large)

4.641 9 .001 2.3000 1.1790 3.4210

Bp(small)

4.801 9 .001 2.6000 1.3748 3.8252

xviii



5.0 Findings

Our findings of whether City Bank’s activity is Control or Commitment are given below

In both organization, Job Scope (dimension), p value is 0, which refers there issignificant difference. Mean in large organization is 2.8, which we can say that in

between control and commitment policy but in small organization as mean is 2

definitely control policy is being used.

In Task analysis part both of organizations p value is 0 which refers there is significant

difference. But as mean in large and small organization is 3 we can saycommitment policy is being used.

In Supervision part p value in large organization 0 but p value in small organization p

value is .001 which is also almost 0%, means significant difference.

Mean large =3.5 almost commitment policy.

xix



Mean small = 4.4, 100% commitment policy.

Subsequently, if we look at all the p value of rest of the dimension it says it is 0 which

refers there is significant difference. But as the mean varies policy also varies and theresult is given bellow:

Dimensions Size Mean Decision

Organization Structure

Large 1.4 Control Policy

Small 2.8 Between control and commitment

Learning

Large 4 Commitment policy

Small 3.8 Commitment policy

Training

Large 4.1 Commitment policy


Employee Role



Status

Large 2.9 Between control and commitment

Small 2.8 Between control and commitment

Employee ParticipationLarge 1.3 Control PolicySmall 1.5 Control Policy

Decentralization


Small 1.8 Control Policy

Social Activities


Small 2 Control Policy

Basic Payment


Small 2.6 Control Policy

Though statistical analysis says if p value is 0 their will be a significant difference in

policy but as our sample is only 10 which is not the representative of whole population

we have to depend on mean to determine the decision, as below 3 is control policy andupper 3 is commitment policy.

For large branch, dimension wise Commitment=4Control=6

And the rest of the two dimensions between control and commitment are being used.

For small branch, dimension wise Commitment=6Control=4

And the rest of the four dimensions between control and commitment are being used.

Decisions: So large branch tends to control and small branch tends to commitment policy.

From our research of both branches of City Bank we get the grand mean

Small Branch

Employee 1=

xx



(3+3+1+1+5+5+1+1+5+5+2+4+5+5+2+2+1+1+5+1+2+1+2+2)/24= 65/24= 2.708

Employee 2=

(5+1+3+4+3+5+1+1+5+5+4+4+4+4+3+3+1+1+5+1+1+1+1+1)/24= 67/24= 2.792Employee 3=

(3+3+4+1+5+5+1+5+5+5+5+5+5+5+2+2+1+1+5+1+1+1+2+2)/24= 75/24= 3.125

Employee 4=(4+1+3+4+3+4+4+2+5+5+4+3+5+5+5+4+3+5+5+5+4+2+5+5)/24= 95/24= 3.958

Employee 5=

(2+2+3+4+5+4+2+1+5+5+5+5+3+3+3+3+1+1+5+5+5+5+5+5)/24= 87/24= 3.628

16.208

Now 16.208/5= 3.242

As small branch shows the mean3.242 it shows the commitment policy uses into theorganization.

Big Branch

Employee 1=(3+3+3+2+4+4+2+2+2+2+3+3+4+4+5+5+1+1+1+1+1+1+2+2)/24= 57/24= 2.375

Employee 2=(2+2+2+2+3+5+1+5+4+3+4+4+3+3+3+2+1+1+5+1+3+3+3+2)/24= 67/24= 2.792Employee 3=

(1+1+5+5+1+2+1+5+3+2+4+4+4+4+2+3+2+2+2+1+1+1+1+5)/24= 62/24= 2.583

Employee 4=

(1+3+3+4+4+4+1+1+2+2+5+5+5+5+2+2+1+1+5+1+1+1+1+1)/24= 61/24= 2.542Employee 5=

(4+1+3+3+3+5+1+4+4+4+5+5+4+5+2+2+1+1+5+1+1+1+1+1)/24= 67/24= 2.792

13.084

Now 13.084/5= 2.617

As large branch shows the mean2.617 it shows the control policy uses into theorganization.

So our analysis says that policy differs according to the size of the

organization. [6]

xxi



6.0 Conclusion

On whole we t r i ed to f ind out tha t whether there i s any d i f ference in

practice of HR policy in large and small branch of a banking organization.

And we came out with the finding that the hr policy differs in branch size.That is small branches policy varies from big branch. But in preparing this

t erm paper we face some l imita tions tha t may hampered l it tl e b it our

f indings. One b ig problem was the l ack of experience of us and the

number of the sample that we use for the research is few. For which werenot able to f ind out real picture of hr policy’s difference. But we tr ied to

find out the result that is hr policy varies in size of branches.

xxii



7.0 R EFERENCES

[1] ---- http://www.docstoc.com/docs/6190839/city-bank-project

Date: 07/01/2010 time: 11am

[2] ---- http://www.oppapers.com/essays/City-Bank-Limited/183483

Date: 07/01/2010 time: 11am

[3]---- http://en.wikipedia.org/wiki/Commitment

[4]---- http://en.wikipedia.org/wiki/Control#See_also

[5]---- http://en.wikipedia.org/wiki/Control_(management)

[6]---- SPSS is at appendix.

xxiii

http://www.docstoc.com/docs/6190839/city-bank-project

http://www.oppapers.com/essays/City-Bank-Limited/183483

http://en.wikipedia.org/wiki/Commitment

http://www.docstoc.com/docs/6190839/city-bank-project

http://www.oppapers.com/essays/City-Bank-Limited/183483

http://en.wikipedia.org/wiki/Commitment



xxiv



APPANDIX

Descriptive Statistics

N Std. Deviation

Statisti

cStatisti

c Statistic Statistic StatisticStatis

ticStd.

Error Statisti

cStatisti

c

js10 4.00 1.00 5.00 28.00

2.8000

.4163 1.31656 1.733

js10 2.00 1.00 3.00 20.00

2.0000

.2981 .94281 .889

ta10 4.00 1.00 5.00 30.00

3.0000

.3333 1.05409 1.111

ta10 4.00 1.00 5.00 30.00

3.0000

.4472 1.41421 2.000

sp 10 4.00 1.00 5.00 35.00 3.5000 .3727 1.17851 1.389

sp10 3.00 2.00 5.00 44.00

4.4000

.3055 .96609 .933

os10 3.00 1.00 4.00 14.00

1.4000

.3055 .96609 .933

os10 4.00 1.00 5.00 28.00

2.8000

.5538 1.75119 3.067

l10 3.00 2.00 5.00 40.00

4.0000

.3944 1.24722 1.556

l 10 3.00 2.00 5.00 38.00 3.800 .4422 1.39841 1.956

xxv



0

t10 3.00 2.00 5.00 41.00

4.1000

.3145 .99443 .989

t10 2.00 3.00 5.00 42.00

4.2000

.2494 .78881 .622

er 10 2.00 3.00 5.00 42.00

4.2000

.2494 .78881 .622

er 10 2.00 3.00 5.00 43.00 4.3000

.2603 .82327 .678

s10 3.00 2.00 5.00 29.00

2.9000

.3786 1.19722 1.433

s10 3.00 2.00 5.00 28.00

2.8000

.3266 1.03280 1.067

ep10 2.00 1.00 3.00 13.00

1.3000

.2134 .67495 .456

ep10 4.00 1.00 5.00 15.00

1.5000

.4014 1.26930 1.611

d10 4.00 1.00 5.00 43.00

4.3000

.4726 1.49443 2.233

d10 4.00 1.00 5.00 18.00

1.8000

.5333 1.68655 2.844

sa

10 4.00 1.00 5.00 17.00

1.700

0 .4230 1.33749 1.789sa

10 4.00 1.00 5.00 20.002.000

0.4714 1.49071 2.222

bp10 4.00 1.00 5.00 23.00

2.3000

.4955 1.56702 2.456

bp10 4.00 1.00 5.00 26.00

2.6000

.5416 1.71270 2.933

ValidN(listwise)

10

One-Sample Statistics

N Mean Std. DeviationStd. Error

Mean

js 10 2.8000 1.31656 .41633

js 10 2.0000 .94281 .29814

ta 10 3.0000 1.05409 .33333

ta 10 3.0000 1.41421 .44721

sp 10 3.5000 1.17851 .37268

sp 10 4.4000 .96609 .30551

os 10 1.4000 .96609 .30551

os10 2.8000 1.75119 .55377l 10 4.0000 1.24722 .39441

l 10 3.8000 1.39841 .44222

t 10 4.1000 .99443 .31447

t 10 4.2000 .78881 .24944

er 10 4.2000 .78881 .24944

er 10 4.3000 .82327 .26034

s 10 2.9000 1.19722 .37859

xxvi



s 10 2.8000 1.03280 .32660

ep 10 1.3000 .67495 .21344

ep 10 1.5000 1.26930 .40139

d 10 4.3000 1.49443 .47258

d 10 1.8000 1.68655 .53333

sa 10 1.7000 1.33749 .42295

sa 10 2.0000 1.49071 .47140

bp 10 2.3000 1.56702 .49554

bp 10 2.6000 1.71270 .54160

One-Sample Test

Test Value = 0

t df Sig. (2-tailed)Mean

Difference

95% ConfidenceInterval of the

Difference

Lower Upper

js 6.725 9 .000 2.8000 1.8582 3.7418

js 6.708 9 .000 2.0000 1.3256 2.6744

ta 9.000 9 .000 3.0000 2.2459 3.7541

ta 6.708 9 .000 3.0000 1.9883 4.0117

sp 9.391 9 .000 3.5000 2.6569 4.3431

sp 14.402 9 .000 4.4000 3.7089 5.0911

os 4.583 9 .001 1.4000 .7089 2.0911

os 5.056 9 .001 2.8000 1.5473 4.0527

l 10.142 9 .000 4.0000 3.1078 4.8922

l 8.593 9 .000 3.8000 2.7996 4.8004

t 13.038 9 .000 4.1000 3.3886 4.8114

xxvii



t 16.837 9 .000 4.2000 3.6357 4.7643

er 16.837 9 .000 4.2000 3.6357 4.7643

er 16.517 9 .000 4.3000 3.7111 4.8889

s 7.660 9 .000 2.9000 2.0436 3.7564

s 8.573 9 .000 2.8000 2.0612 3.5388

ep 6.091 9 .000 1.3000 .8172 1.7828

ep 3.737 9 .005 1.5000 .5920 2.4080

d 9.099 9 .000 4.3000 3.2309 5.3691

d 3.375 9 .008 1.8000 .5935 3.0065

sa 4.019 9 .003 1.7000 .7432 2.6568

sa 4.243 9 .002 2.0000 .9336 3.0664

bp 4.641 9 .001 2.3000 1.1790 3.4210

bp 4.801 9 .001 2.6000 1.3748 3.8252

Small and Large Branches on a Banking Organization & Their Performances

Documents

Transcript of Small and Large Branches on a Banking Organization & Their Performances