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RESEARCH PAPER
An empirical analysis of managerial and non-managerialHRD climate perceptions in SBI and KVB through internaland external comparison: a case study conducted in AndhraPradesh
Srinivas Lakkoju
� Indian Institute of Management Calcutta 2014
Abstract HRD is an important aspect of HRM in
banks. Recently, technology has brought about pro-
found changes in the conduct of banking business in
India. There is an enormous increase in the business
and also competition to exploit this opportunity. To
survive in this competitive environment, banks need to
ensure highly motivated, competent and committed
people who can deliver quality service to customers
and ensure their retention. In this initiative, frequent
HRD climate research helps banks improve their HRD
systems, programmes and practices. This paper is an
attempt to explore the prevailing HRD climate in SBI
and KVB. Internal analysis in each bank discloses
significant difference between managerial and non-
managerial HRD climate perceptions in SBI. External
comparison between banks uncovers significant
differences concerning managerial as well as non-
managerial HRD climate perceptions measured inde-
pendently. The model discussed in the paper stresses
the need for integrating managerial and non-manage-
rial HRD climate.
Keywords Human resource development �General climate � OCTAPACE culture � HRD
mechanisms � HRD climate research
Abbreviations
GC General climate
OC OCTAPACE culture
HRDM HRD mechanisms
HRDC HRD climate
Introduction
In India, commercial banks are emerging as conglom-
erates of many segments, selling multiple products,
going much beyond the traditional banking business
(Thingalaya 2006). This transformation is due to the
rapidly advancing banking technology. In fact, tech-
nological changes are forcing banks to adopt new
structures and environment and thereby equip their
human resources with new skills and attitudes to cope
with these changes. Besides, strong competition, new
business opportunities, constant demands from knowl-
edge customers for prompt and quality banking
services, changing human resource dimensions, etc.
have made banks recognise the need for a compre-
hensive human resource development (HRD) system.
Nair (1988) and Jain (1991) believe that the challenges
of technological-transformation could be achieved
with the help of HRD interventions.
S. Lakkoju (&)
School of Management Studies, Lakireddy Balireddy
College of Engineering (Autonomous), L.B. Reddy
Nagar, Mylavaram 521230, Krishna District,
Andhra Pradesh, India
e-mail: [email protected]
123
Decision
DOI 10.1007/s40622-014-0030-8
These days, customer attraction, satisfaction and
retention have become perpetually challenging tasks
for any commercial bank. An efficient HRD system
that produces highly skilled and motivated workforce
can make these manifold tasks achievable. Thus, the
success of any bank largely depends on the mainte-
nance of HRD climate conducive for individuals to
perform to their fullest potential. HRD climate of an
organisation plays an important role in ensuring the
competency, motivation and development of its
employees (Patel 2005). Priyadarshini and Venkata-
pathy (2004) observe that HRD climate strongly
influences the performance of banks. They identify
performing banks with innovative HRD practises.
About HRD climate
HRD climate is an integral part of an organisational
climate. Rao and Abraham (1986) define HRD climate
as perceptions the employees can have on the devel-
opmental environment of their organisation. HRD
climate comprises three elements viz. general climate,
OCTAPACE culture and HRD mechanisms. The
general climate features deal with the importance
given to HRD by the top management and line
managers in an organisation. OCTAPACE culture
deals with the extent to which ‘Openness’, ‘Confron-
tation’, ‘Trust’, ‘Autonomy’, ‘Proactivity’, ‘Authen-
ticity’, ‘Collaboration’ and ‘Experimentation’ are
cherished at workplace. Further, there are a number
of HRD instruments through which individuals are
motivated and developed to achieve organisational
excellence. Performance and potential appraisals,
recognition and reward system, training and develop-
ment, feedback and performance coaching, counsel-
ling, career planning and development, employee
welfare and quality of work life, OD exercises and
Quality Circles are some of the traditional HRD sub-
systems frequently used by organisations.
Need for the study
Surely, HRD Climate results in the development of
both employee competence and commitment (Rao
1999). However, in many banking institutions, the
HRD philosophy is not practised in its true spirit and
form. Shah (1978) and Abraham (1988) observe a
wide gap between the top management belief and the
practise of HRD. Hence, it is vital that the HRD
climate of any bank has to undergo frequent review
and be subjected to fine-tuning to make the climate
contemporaneous. In this backdrop, the present study
is undertaken.
Review of literature and identification of research
gap
The review covers mostly empirical research con-
ducted in both banking and non-banking organisa-
tions. For instance, Rohmetra (1998) has made a
comparative study and reports significant difference
between the HRD climates of SBI and J&K bank.
Particularly, the study observes several inadequacies
in the HRD climate of the private sector bank.
Recently, in a Dubai bank, Srimannarayana (2007)
notices that despite the existence of a good level of
HRD climate, perceptual differences still remain
relating to demographic variables. Chalam and Srin-
ivas (2005) identify that in SBI women employees
show much concern on HRD climate, despite their
subordinated working conditions. They suggest fre-
quent employee surveys focusing on gender issues.
Previously, Gani and Shah (2001) find a poorly
perceived climate in the banking industry. They
observe that the situation in the private sector is worse
than the public sector. But, recently, Pillai (2008) finds
a moderate degree of HRD climate in banks. In yet
another study where banks constitute a major portion
in the sample, Srimannarayana (2008) finds relatively
a less degree of favourable HRD climate in the service
sector. Earlier, Riyaz (2002) discovers a moderate
level of OCTAPACE culture in commercial banks.
Vijaya et al. (2004) understand that the performance
appraisal system in State Bank of Hyderabad is better-
constructed and implemented for officers when com-
pared to clerical personnel.
There are studies conducted in other industries as
well. For instance, Rao (1997) finds that senior and
middle managers in Bharat Heavy Electricals Limited
are placed in a favourable HRD climate to experiment
with new work methods and try out creative ideas.
Further, Venkiteswaran and Sai (1997) in their study
of a large public sector heavy engineering organisation
conclude that early identification of human resource
potential and development of skill are the two major
Decision
123
tasks of HRD. Sujata (1999), in her study of Steel
Authority of India Limited, views that HRD is a tool
through which workers acquire better skills and
knowledge that helps in bringing about attitudinal
change there by changing the culture of the whole
organisation. The author insists for a comprehensive
role analysis to overcome role ambiguities.
Alphonsa (2000) observes differences in the HRD
climate perceptions of supervisors belonging to var-
ious departments in a large private hospital. However,
Natarajan and Deepashri (2000) find that irrespective
of age, sex, experience, educational background,
income and category employees in Burn Standard
Company Limited have almost the same level of
satisfaction towards HRD climate. In another study,
Sharma and Purang (2000) find a positive correlation
between value institutionalisation and HRD climate,
meaning thereby an organisation’s more ethical envi-
ronment provides for a better HRD climate.
Further, Mufeed (2006) reports a low level of HRD
Climate in a hospital. But, Pooja (2006) finds signif-
icantly better HRD Climate in the private sector of
engineering and automobile industry. Solkhe and
Chaudhary (2010) realise definite impact of HRD
climate on job satisfaction of employees in select
public sector organisations. Besides, Richa et al.
(2011) understand that the ‘general climate’ dimen-
sion of HRD Climate is the most significant predictor
of employee engagement followed by ‘HRD mecha-
nisms’. Thirumaran (2011) in the study of a sugar
mill learns that the HRD climate positively contributes
to the development of both employees and the
organisation.
The profound review of the current literature on
HRD climate creates an impression that there is a
dearth of comparative research studies, particularly in
the Indian banking industry. More studies were carried
out in industries like engineering, manufacturing and
service sectors other than banking. But, limited
research is conducted in the banking industry partic-
ularly subsequent to the new competition and techno-
logical advancements. The literature survey also
discloses inadequacy of HRD climate in banks. The
studies reviewed above, call for a fresh HRD climate
research to facilitate its fine-tuning based on contem-
porary trends and thereby ensure quality human
resources to deliver true value to customers. The
present study attempts to address this gap.
Objectives of the study
The main aim of the present study is to explore the
nature and extent of HRD climate prevailing in the
Indian commercial banking sector. Thus, the follow-
ing have been formed as specific objectives of the
present study:
(i) to analyse HRD climate perceptions held by
managerial and non-managerial personnel work-
ing in SBI and KVB through internal and external
comparisons; and
(ii) to discuss about the results and their implications
for banks in India.
Research methodology
Data source and sample
As a part of doctoral research, the HRD climate
perceptual survey was conducted in State Bank of India
and Karur Vysya Bank in Andhra Pradesh during 2008.
The survey covered metropolitan, urban, semi-urban
and rural branches of the two selected banks. The survey
questionnaires were randomly administered among
‘managerial’ and ‘clerical’ personnel of the two banks.
From the both banks, 400 complete responses are
considered as the sample for the study. The following
categories of the personnel responded to the survey:
(i) Managerial grade: Assistant General Managers,
Chief Managers, Managers (Scale IV and III),
Deputy Managers, Senior Officers, Assistant
Managers, Junior Managers, Junior Officers,
Trainee Officers and Probationary Officers.
(ii) Clerical grade: Special Assistants, Senior Assis-
tants, Junior Assistants, Typists, Personal Secre-
taries, Cashiers, Tellers, Telephone Operators, etc.
Composition of the sample respondents
The samples drawn from the two banks are shown in
Table 1. The number of managerial respondents
from SBI is 132 and from KVB is 84. The number
of clerical respondents from SBI is 108 and from
KVB is 76. Thus, the managerial respondents have
made a significant contribution to the present study.
Decision
123
Furthermore, Table 2 shows that, in SBI, the percent-
age of women respondents in the total is only a meagre
13 % (managerial 5 % plus clerical 8 %). Similarly,
Table 3 shows that, in KVB, the proportion of female
respondents is 30 % (managerial 7.50 % plus clerical
22.50 %) in the total. Thus, it may be inferred that
women might have occupied a few managerial jobs in
both banks in this region.
Procedure of data analysis
The study basically involves measurement of respon-
dents’ perceptions on Likert’s 5-point scale with
regard to 30 statements covering three elements in
HRD climate equally. Primarily, the qualitative
responses are quantified by assigning ratings ranging
from ‘Strongly Agree’-5 to ‘Strongly Disagree’-1.
Later, item-wise mean values (weighted averages) and
percentage scores based on T.V. Rao’s formula
‘Percentage Score = (Mean value - 1) 9 250 were
computed. Further, to facilitate statement-wise inter-
cadre and inter-bank comparisons, t tests were
employed. In statement-wise interpretations, the fig-
ures given in parentheses follow the same order of the
data presented in tables. Interpretations were further
based on the following five levels of assumptions:
Hypotheses
The study formulates four multivariate null hypothe-
ses and adopts one-way ANOVA technique to test
them. Conclusions about their testing are based on
both critical value and P value methods. Wherever
ANOVA test is significant, the study also employs
‘protected’ paired-samples t tests to make accurate and
reliable post hoc multiple comparisons. In t tests, the
original a is adjusted to a lower level using ‘Bonfer-
roni Correction’ (formula is aB = a/c; where ‘c’ is the
number of paired comparisons made) to minimise the
possibility of committing ‘Type I Error’. Thus, a new
threshold a value (aB) is obtained which is then used to
analyse the significance of difference between each
pair of data. The a-level is adjusted for each post hoc
test considering the same significance level each
ANOVA test employs, to ensure that the overall
experiment significance level remains at original alevel.
Limitations of the study
The study suffers from the following obvious
limitations:
(i) The field of enquiry was confined to the State of
Andhra Pradesh only.
(ii) The size of sample is not adequate to offer
comments about the prevailing HRD climate as
the same is not scientifically computed (but
random in nature).
Table 1 Grade-wise composition of respondents
Grade SBI % in 240 KVB % in 160
Managerial 132 55.00 84 52.50
Non-managerial 108 45.00 76 47.50
Total 240 100.00 160 100.00
Source Compiled from the collected data of the study
Table 2 Gender-wise composition of respondents in SBI
Grade Male % in 240 Female % in 240
Managerial 120 50.00 12 5.00
Non-managerial 88 37.00 20 8.00
Total 208 87.00 32 13.00
Source Compiled from the collected data of the study
Table 3 Gender-wise composition of respondents in KVB
Grade Male % in 160 Female % in 160
Managerial 72 45.00 12 7.50
Non-managerial 40 25.00 36 22.50
Total 112 70.00 48 30.00
Source Compiled from the collected data of the study
Percentage score Assumption
B50.00 ‘Unsatisfactory’
[50.00 but B 60.00 ‘Less Moderate’
[60.00 but B 70.00 ‘Moderate’ or ‘Average’
[70.00 but B 80.00 ‘Good’
[80.00 ‘Excellent’
Decision
123
Analysis of HRD climate perceptions through
internal comparison in SBI
Hypothesis (H10) There is no significant difference
between the HRD climate perceptions of managerial
and non-managerial personnel working in SBI.
Status of ‘General Climate’ in SBI
Table 4 shows comparative data on managerial and
non-managerial ‘General Climate’ perceptions in SBI.
All statement-wise t tests reveal significant perceptual
differences between the two cadres. To elaborate, both
managerial and non-managerial personnel are highly
valued in SBI, but certainly the latter are less valued
than the former (80.25, 74.00, t = 2.09**). This trend
is further reflected in management’s partial attitude of
allocating more resources to ensure managerial devel-
opment primarily (76.50, 65.75, t = 3.45*). Besides,
in its personnel policies, management emphasises
more on managerial development than on non-man-
agerial development (75.00, 63.00, t = 4.34*).
Accordingly, it focuses more on identification and
utilisation of managerial potential than on non-man-
agerial potential (69.00, 61.00, t = 2.19**) and
greatly encourages managerial personnel to develop
competencies when compared to non-managerial
personnel (77.25, 68.50, t = 2.93*).
Further, when compared to managerial personnel,
non-managerial personnel receive only moderate guid-
ance in adopting future roles and responsibilities (71.25,
63.00, t = 2.84*) and less support to enhance their
education (72.00, 59.25, t = 3.54*). These views are
substantiated further by managers’ nonchalant approach
towards their subordinates’ development (76.50, 51.75,
t = 7.13*). Hence, clerks in SBI see the workplace
environment moderately conducive for their develop-
ment while managers observe the same as highly
development oriented (75.00, 67.50, t = 2.54*).
Besides, clerical personnel envisage themselves average
growth prospects whereas managers view their growth as
extremely promising (81.75, 61.00, t = 6.03*). Overall
mean, percentage score and gap reveal that the quality of
general climate is perceived as high by managers and as
moderate by clerks (75.50, 63.50, gap = 12.00).
Status of ‘OCTAPACE Culture’ in SBI
Table 5 shows comparative data about managerial and
non-managerial ‘OCTAPACE Culture’ perceptions in
SBI. Statement-wise t tests reveal significant percep-
tual differences relating to the statements 6, 7 and 10.
For instance, both cadres evenly perceive that a good-
quality culture of openness prevails in the bank (69.75,
69.50) and also convey that they discuss problems to a
great extent openly to solve them rather than blaming
Table 4 Comparative ‘General Climate’ perceptions in SBI
Item no. Managerial (N = 132) Non-managerial (N = 108) % score gap t statistic
Mean SD % score Mean SD % score
1 4.21 0.94 80.25 3.96 0.88 74.00 6.25 2.09**
2 3.85 0.86 71.25 3.52 0.92 63.00 8.25 2.84*
3 4.06 0.92 76.50 3.63 0.99 65.75 10.75 3.45*
4 4.09 0.79 77.25 3.74 1.00 68.50 8.75 2.93*
5 3.76 0.95 69.00 3.44 1.20 61.00 8.00 2.19**
6 3.88 1.07 72.00 3.37 1.13 59.25 12.75 3.54*
7 4.06 0.98 76.50 3.07 1.12 51.75 24.75 7.13*
8 4.27 0.79 81.75 3.44 1.23 61.00 20.75 6.03*
9 4.00 0.81 75.00 3.52 0.88 63.00 12.00 4.34*
10 4.00 0.89 75.00 3.70 0.89 67.50 7.50 2.54*
Overall 4.02 – 75.50 3.54 – 63.50 12.00 –
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
** t critical two-tail = 1.97 @ a = 0.05, P B 0.05
Decision
123
each other (68.25, 72.25). For sure, this tendency is an
outcome of friendly relations and a good level of
mutual trust among both categories of personnel
(78.00, 76.75). Similarly, despite significant differ-
ences in their perceptions, it is admirable that both
categories of personnel have strong teamwork and
unity among them (78.75, 70.25, t = 3.00*). How-
ever, it is surprising to learn that both managerial and
non-managerial personnel almost lack autonomy in
discharging their duties and responsibilities (47.75,
52.75). Yet, they confirm that their management
encourages initiative and risk-taking on-the-job
(74.25, 69.50). Actually, it is unfair on part of the
management to expect its personnel be proactive,
without giving them adequate freedom at workplace.
Perhaps, due to this reason, managers feel that their
efforts are moderately recognised and are occasionally
delegated higher level responsibilities. Hence, they
might be least bothered of their subordinates’ efforts
and contributions (59.75, 51.75, t = 2.38**).
Further, both cadres commonly agree that their
management moderately encourages creativity (65.25,
65.75) and experimentation (68.25, 63.00) at work-
place. But, as compared to managerial personnel, non-
managerial personnel get moderate opportunities to
innovate and use their capabilities at work (78.75,
63.00, t = 4.70*). Overall mean, percentage score and
gap suggest that the quality of OCTAPACE culture
perceived by both managers and clerks is moderate in
SBI (68.75, 65.50, gap = 3.25).
Status of ‘HRD Mechanisms’ in SBI
Table 6 shows comparative data about managerial and
non-managerial ‘HRD Mechanisms’ perceptions in
SBI. Statement-wise t tests reveal significant percep-
tual differences on all statements except 7 and 10. To
elaborate, for managerial personnel, the performance
appraisal system is objective to a greater extent
whereas for non-managerial personnel the same is
moderately objective (73.50, 64.75, t = 2.75*). Fur-
ther, in SBI, managerial efforts and contributions get
better recognition and rewards than non-managerial
efforts and contributions (74.25, 62.00, t = 3.86*).
Similarly, SBI considers managerial training more
vital than non-managerial training (79.50, 69.50,
t = 2.99*). Consequently, in SBI managerial, jobs
are more frequently rotated than non-managerial jobs
(78.75, 65.75, t = 4.20*). Perhaps, these conditions
might have contributed to inadequate planning and
development of non-managerial careers as compared
to managerial careers (72.75, 55.50, t = 5.45*).
Besides, it is learnt that the management of SBI
provides performance feedback only to managerial
personnel that too occasionally (54.50, 46.25,
t = 2.34**). Similarly, in SBI non-managerial, suc-
cession planning is absolutely unproductive as com-
pared to managerial succession planning (62.00,
47.50, t = 3.92*). Moreover, performance-based pro-
motions are too sluggish for non-managerial personnel
and reasonably quick for managerial personnel (61.25,
Table 5 Comparative ‘OCTAPACE culture’ perceptions in SBI
Item no. Managerial (N = 132) Non-managerial (N = 108) % score gap t statistic
Mean SD % score Mean SD % score
1 3.79 0.94 69.75 3.78 0.83 69.50 0.25 0.08
2 3.73 0.96 68.25 3.89 0.96 72.25 4.00 1.29
3 4.12 0.77 78.00 4.07 0.71 76.75 1.25 0.48
4 2.91 0.99 47.75 3.11 1.13 52.75 5.00 1.44
5 3.97 0.87 74.25 3.78 0.96 69.50 4.75 1.60
6 3.39 0.85 59.75 3.07 1.15 51.75 8.00 2.38**
7 4.15 0.74 78.75 3.81 0.94 70.25 8.50 3.00*
8 3.73 0.96 68.25 3.52 1.13 63.00 5.25 1.51
9 3.61 1.04 65.25 3.63 1.13 65.75 0.50 0.16
10 4.15 0.89 78.75 3.52 1.13 63.00 15.75 4.70*
Overall 3.75 – 68.75 3.62 – 65.50 3.25 –
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
** t critical two-tail = 1.97 @ a = 0.05, P B 0.05
Decision
123
46.25, t = 4.53*). Further, SBI utterly fails to conduct
employee surveys which indeed serve as a tool to
obtain information about HRD climate (44.75, 37.00).
Nevertheless, there is a widespread belief that SBI
maintains good quality of work life (72.75, 70.25).
Overall mean, percentage score and gap reveal that the
quality of HRD mechanisms is perceived as moderate
by managers and as less moderate by clerks (67.50,
56.75, gap = 10.75).
Testing of H10
ANOVA results in Table 7 reveal statistically signif-
icant difference between the six groups of sample data
pertaining to SBI analysed at 1 % level of significance
(Fcal 4.88 [ Ftab 3.37 and P 0.00 \ a 0.01). Thus, the
study provides concrete evidence to reject H10 and
alternatively concludes that the HRD climate percep-
tions of managerial and non-managerial personnel
working in SBI significantly differ. As the ANOVA
test is significant, the study further conducts post hoc
t test to make pair-wise comparisons and identify
which pair of data causes more variations between
managerial and non-managerial perceptions in SBI.
Results of paired t tests made available in Table 8
indicate statistically significant difference in the first
and third pairs (tcal 6.19 [ ttab 3.24 and P 0.00 B 0.00
and tcal 7.98 [ ttab 3.24 and P 0.00 B 0.00) of sample
data, respectively, at Bonferroni’s adjusted alpha level
(aB = 0.0033). This explains that the difference
between managerial and non-managerial HRD climate
perceptions in SBI reported by ANOVA test is mainly
due to the existence of significant perceptual differ-
ences relating to general climate and HRD mecha-
nisms. Thus, rejection of H10 based on ANOVA test
result (Table 7) remains highly reliable.
Analysis of HRD climate perceptions through
internal comparison in KVB
Hypothesis (H20) There is no significant difference
between the HRD climate perceptions of managerial
and non-managerial personnel working in KVB.
Status of ‘General Climate’ in KVB
Table 9 shows comparative data on managerial and
non-managerial ‘general climate’ perceptions in KVB.
Significant perceptual differences appear regarding
statements 1, 3, 4 and 10. For instance, KVB considers
managerial personnel as more important resources
than non-managerial personnel (85.75, 69.75,
t = 4.70*). Further, the management allocates more
resources for managerial development than for non-
managerial development (75.00, 64.50, t = 2.50*).
Besides, non-managerial personnel get relatively
moderate help from their seniors or managers through
the course of acquiring skills on-the-job (75.00,
63.25, t = 3.63*). Hence, even though the working
Table 6 Comparative ‘HRD mechanisms’ perceptions in SBI
Item no. Managerial (N = 132) Non-managerial (N = 108) % score gap t statistic
Mean SD % score Mean SD % score
1 3.94 0.98 73.50 3.59 0.95 64.75 8.75 2.75*
2 3.97 0.83 74.25 3.48 1.07 62.00 12.25 3.86*
3 4.18 0.79 79.50 3.78 1.20 69.50 10.00 2.99*
4 3.91 0.83 72.75 3.22 1.07 55.50 16.75 5.45*
5 4.15 0.74 78.75 3.63 1.09 65.75 13.00 4.20*
6 3.18 1.00 54.50 2.85 1.15 46.25 8.25 2.34**
7 3.91 1.16 72.75 3.81 0.77 70.25 2.50 0.74
8 3.48 0.96 62.00 2.96 1.07 47.50 14.50 3.92*
9 3.45 1.07 61.25 2.85 0.97 46.25 15.00 4.53*
10 2.79 1.07 44.75 2.48 1.34 37.00 7.75 1.91
Overall 3.70 – 67.50 3.27 – 56.75 10.75 –
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
** t critical two-tail = 1.97 @ a = 0.05, P B 0.05
Decision
123
environment in KVB is greatly conducive for the
development of both cadres, managerial personnel
view it as more advantageous for their growth (78.50,
72.25, t = 2.75*).
Results further show that in KVB both cadres
receive excellent guidance from their respective
seniors that helps them engage in future roles and
responsibilities (78.50, 81.50). Besides, the manage-
ment makes good-quality efforts to identify and
utilise the potential of both cadres (73.75, 72.25) and
greatly encourages them to improve their educa-
tional credentials (75.00, 73.75). In addition, in this
bank, managers feel highly responsible for the
development of their subordinates (71.50, 69.75).
Hence, growth opportunities are profusely open to
every employee in KVB (91.75, 93.50). However, it
is evident that management moderately highlights
the concept of development in its personnel policies
(67.75, 67.00). Overall mean, percentage score and
gap reveal that the quality of general climate is
Table 7 Result of ANOVA (single factor) for differences between managerial and non-managerial HRD climate perceptions in SBI
Source of variation SS df MS F* P value* F crit
Between groups 3.085637 5 0.617127 4.888101 0.000924 3.376912
Within groups 6.817551 54 0.126251
Total 9.903188 59
Source Computed based on all group mean values in Tables 4, 5 and 6
* Significant @ a = 0.01
Table 8 Results of paired t test for dimension-wise differences between managerial and non-managerial HRD climate perceptions in
SBI
Pair Dimension M SD NM SD t statistic P value
1 GC 4.02 0.15 3.54 0.24 6.19* 0.00*
2 OC 3.75 0.38 3.62 0.32 1.69 0.12
3 HRDM 3.70 0.45 3.27 0.45 7.98* 0.00*
Source Computed based on pair-wise group mean values in Tables 4, 5 and 6
* Significant @ aB = 0.0033
NB t critical two-tail = 3.24 @ a = 0.01. All P values are two tailed
Table 9 Comparative ‘General Climate’ perceptions in KVB
Item no. Managerial (N = 84) Non-managerial (N = 76) % score gap t statistic
Mean SD % score Mean SD % score
1 4.43 0.73 85.75 3.79 0.95 69.75 16.00 4.70*
2 4.14 0.99 78.50 4.26 0.91 81.50 3.00 0.79
3 4.00 1.07 75.00 3.58 1.04 64.50 10.50 2.50*
4 4.00 0.82 75.00 3.53 0.82 63.25 11.75 3.63*
5 3.95 0.79 73.75 3.89 0.44 72.25 1.50 0.57
6 4.00 0.87 75.00 3.95 0.95 73.75 1.25 0.36
7 3.86 0.99 71.50 3.79 0.95 69.75 1.75 0.43
8 4.67 0.56 91.75 4.74 0.55 93.50 1.75 0.79
9 3.71 1.20 67.75 3.68 0.86 67.00 0.75 0.18
10 4.14 0.46 78.50 3.89 0.64 72.25 6.25 2.75*
Overall 4.10 – 77.50 3.91 – 72.75 4.75 –
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
Decision
123
perceived as equally high by both cadres in KVB
(77.50, 72.75, gap = 4.75).
Status of ‘OCTAPACE Culture’ in KVB
Table 10 shows comparative data about managerial
and non-managerial ‘OCTAPACE Culture’ percep-
tions in KVB. Only, item 2 records significant
perceptual differences between the two cadres. To
explain, both cadres in KVB almost evenly see that
there is a culture of mediocre openness (59.50, 67.75)
among them. With regard to finding solutions for
workplace problems, managers involve in a fairly
open discussion while clerks engage in a highly free
and frank discussion rather than blaming each other
(65.50, 73.75, t = 1.92**). However, it is evident that
with a good degree of mutual trust they are friendly to
each other (76.25, 80.25) also highly united and
collaborative (73.75, 79.00) at workplace.
Furthermore, it is rather unreasonable that the
management, without providing adequate autonomy
or freedom (50.00, 58.00), expects the personnel to be
highly proactive (77.50, 80.25) at workplace. Perhaps,
due to this tendency both cadres perceive that their
management moderately acknowledges their efforts
(56.00, 61.75). However, they convey that their
management reasonably encourages experimentation
(65.50, 71.00), creativity (62.00, 59.25) at workplace
and provides excellent opportunities to innovate and
use their capabilities in their work (73.75, 77.75).
Overall mean, percentage score and gap reveal that the
quality of OCTAPACE culture is perceived as equally
good by both cadres in KVB (66.00, 70.75,
gap = 4.75).
Status of ‘HRD Mechanisms’ in KVB
Table 11 shows comparative data concerning mana-
gerial and non-managerial ‘HRD Mechanisms’ per-
ceptions in KVB. Statement-wise analysis discloses
significant perceptual differences pertaining to items
1, 2 and 7. For instance, managerial personnel feel that
the performance appraisal system is moderately
objective for them while their subordinates experience
the same as objective to a good extent (63.00, 72.25,
t = 2.79*). Further, both cadres uniformly agree that
they are provided occasional feedback and guidance
on their job performances (57.25, 59.25). However,
despite minute perceptual differences, it is evident that
both managerial and non-managerial efforts and
contributions are greatly recognised and rewarded
(76.25, 71.00, t = 2.42**) in KVB.
Further, it is understood that in KVB both mana-
gerial and non-managerial personnel are provided
excellent training facilities (83.25, 85.50). Moreover,
there is a good quality planning and development of
both managerial and non-managerial careers in the
bank (76.25, 77.75). For both cadres, job rotation is
very frequent (85.75, 81.50), succession planning is
highly effective (71.50, 71.00) and performance-based
promotions are also fast (76.25, 71.75). Thus, not-
withstanding perceptual gaps between them, it is
Table 10 Comparative ‘OCTAPACE Culture’ perceptions in KVB
Item no. Managerial (N = 84) Non-managerial (N = 76) % score gap t statistic
Mean SD % score Mean SD % score
1 3.38 1.18 59.50 3.63 0.87 65.75 6.25 1.53
2 3.62 1.09 65.50 3.95 1.05 73.75 8.25 1.92**
3 4.05 0.95 76.25 4.21 0.83 80.25 4.00 1.14
4 3.00 1.11 50.00 3.32 1.17 58.00 8.00 1.73
5 4.10 0.61 77.50 4.21 0.77 80.25 2.75 1.03
6 3.24 1.11 56.00 3.47 0.82 61.75 5.75 1.52
7 3.95 0.72 73.75 4.16 0.74 79.00 5.25 1.75
8 3.62 0.95 65.50 3.84 0.88 71.00 5.50 1.53
9 3.48 1.18 62.00 3.37 0.99 59.25 2.75 0.62
10 3.95 0.90 73.75 4.11 0.64 77.75 4.00 1.24
Overall 3.64 – 66.00 3.83 – 70.75 4.75 –
** t critical two-tail = 1.97 @ a = 0.05, P B 0.05
Decision
123
evident that both cadres experience good quality of
work life (76.25, 71.00, t = 1.95**). But, like SBI,
KVB also virtually fails to conduct employee surveys
(48.75, 54.00). Overall mean, percentage score and
gap reveal that the quality of HRD mechanisms is
perceived as equally high by both cadres in KVB
(71.50, 72.00, gap = 0.50).
Testing of H20
ANOVA results presented in Table 12 indicate statis-
tically insignificant difference among the six groups
of sample data pertaining to KVB analysed at 10 %
level of significance (Fcal 1.53 \ Ftab 1.95 and
P 0.19 [ 0.10). The test does not provide any
evidence to reject H20. Thus, the HRD climate
perceptions of managerial and non-managerial per-
sonnel working in KVB are understood to be coincid-
ing. However, statement-wise t tests disclose that both
cadres in KVB differ on very few aspects of HRD
climate. Being insignificant, ANOVA does not give
scope to perform post hoc analysis.
Analysis of managerial HRD climate perceptions
through external comparison
Hypothesis (H30) There is no significant difference
between the HRD climate perceptions of managerial
personnel working in SBI and KVB.
Comparative managerial ‘General Climate’
perceptions between SBI and KVB
Table 13 shows comparative data regarding manage-
rial ‘General Climate’ perceptions between the two
selected banks. Results indicate significant perceptual
differences pertaining to statements 2 and 8. To
elaborate, in both banks, senior managers provide
good-quality guidance to their juniors and make them
ready for future roles and responsibilities. Yet, the
guidance provided in SBI seems to be less than that
provided in KVB (71.25, 78.50, t = 2.23**). Though
ample growth opportunities are available for manage-
rial personnel in both banks, comparatively these
happen to be enormous in KVB (81.75, 91.75,
t = 4.25*).
Further, it is observed that both banks consider
managerial personnel as an extremely important
resource (80.25, 85.75) and subsequently invest good
amount of other resources to ensure their development
(76.50, 75.00). Also, both banks show good level of
interest to identify and utilise managerial potential
(69.00, 73.75). Besides, in both banks managerial
personnel get a good degree of help in acquiring skills
on-the-job (77.25, 75.00) and are extremely encour-
aged to obtain higher level qualifications like CAIIB,
etc. (72.00, 75.00). Also, in both banks, being very
much concerned of their development, their superiors
(76.50, 71.50) set off a highly conducive development
oriented working environment (75.00, 78.50).
Table 11 Comparative ‘HRD Mechanisms’ perceptions in KVB
Item no. Managerial (N = 84) Non-managerial (N = 76) % score gap t statistic
Mean SD % score Mean SD % score
1 3.52 1.01 63.00 3.89 0.64 72.25 9.25 2.79*
2 4.05 0.57 76.25 3.84 0.49 71.00 5.25 2.42**
3 4.33 0.78 83.25 4.42 0.59 85.50 2.25 0.80
4 4.05 0.72 76.25 4.11 0.64 77.75 1.50 0.53
5 4.43 0.58 85.75 4.26 0.71 81.50 4.25 1.58
6 3.29 0.88 57.25 3.37 0.93 59.25 2.00 0.57
7 4.05 0.65 76.25 3.84 0.67 71.00 5.25 1.95**
8 3.86 0.94 71.50 3.84 0.80 71.00 0.50 0.10
9 4.05 0.72 76.25 4.11 0.79 71.75 1.00 0.47
10 2.95 1.22 48.75 3.16 1.09 54.00 5.25 1.12
Overall 3.86 – 71.50 3.88 – 72.00 0.50
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
** t critical two-tail = 1.97 @ a = 0.05, P B 0.05
Decision
123
Moreover, it is learnt that both banks contemplate
HRD philosophy in their personnel policies somewhat
similarly (75.00, 67.75). Overall mean, percentage
score and gap reveal that the quality of general climate
is perceived as equally high by managers in both banks
(75.50, 77.50, gap = 2.00).
Comparative managerial ‘OCTAPACE Culture’
perceptions between SBI and KVB
Table 14 displays comparative data about managerial
‘OCTAPACE Culture’ perceptions between the two
selected banks. Results reveal that significant percep-
tual differences exist between the banks respecting
statements 1 and 7. For instance, there is a culture of
high degree of openness among managerial personnel
in SBI whereas their counterparts in KVB experience
a culture of moderate openness (69.75, 59.50,
t = 2.65*). However impressive is the unity and
teamwork among managerial personnel or between
managerial and non-managerial personnel in both
banks, it is evident that these are comparatively
more strong and qualitative in SBI (78.75, 73.75,
t = 1.94**). Further, while trying to solve workplace
problems, managerial personnel in both banks fairly
involve in an open discussion rather than blaming each
other (68.25, 65.50). Besides, they are very friendly
with each other and have an excellent mutual trust
among them (78.00, 76.25).
It is rather disappointing that in both banks
managerial personnel lack autonomy (47.75, 50.00).
Yet, they are highly encouraged to take initiative and
risk at workplace (74.25, 77.50) and to innovate and
greatly use their potentialities in their work (78.75,
73.75). Further, they are reasonably encouraged to
experiment with new methods of working (68.25,
65.50) and be creative to improve work activities
(65.25, 62.00). Also, it is worth noting that managers
Table 12 Result of ANOVA (single factor) for differences between managerial and non-managerial HRD climate perceptions in
KVB
Source of variation SS df MS F* P value* F crit
Between groups 1.062783 5 0.212557 1.533148 0.195011 1.956956
Within groups 7.486593 54 0.138641
Total 8.549376 59
Source Computed based on all group mean values in Tables 9, 10 and 11
* Insignificant @ a = 0.10
Table 13 Comparative managerial ‘General Climate’ perceptions between SBI and KVB
Item no. SBI (N = 132) KVB (N = 84) % score gap t statistic
Mean SD % score Mean SD % score
1 4.21 0.94 80.25 4.43 0.73 85.75 5.50 1.88
2 3.85 0.86 71.25 4.14 0.99 78.50 7.25 2.23**
3 4.06 0.92 76.50 4.00 1.07 75.00 1.50 0.42
4 4.09 0.79 77.25 4.00 0.82 75.00 2.25 0.80
5 3.76 0.95 69.00 3.95 0.79 73.75 4.75 1.62
6 3.88 1.07 72.00 4.00 0.87 75.00 3.00 0.90
7 4.06 0.98 76.50 3.86 0.99 71.50 5.00 1.46
8 4.27 0.79 81.75 4.67 0.56 91.75 10.00 4.25*
9 4.00 0.81 75.00 3.71 1.20 67.75 7.25 1.90
10 4.00 0.89 75.00 4.14 0.46 78.50 3.50 1.53
Overall 4.02 – 75.50 4.10 – 77.50 2.00 –
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
** t critical two-tail = 1.97 @ a = 0.05, P B 0.05
Decision
123
in both banks are moderately pleased about the level of
recognition and motivation they get to take up higher
level responsibilities (59.75, 56.00). Overall mean,
percentage score and gap indicate that the quality of
OCTAPACE culture is perceived as equally fair by
managers in both banks (69.00, 66.00, gap = 3.00).
Comparative managerial ‘HRD Mechanisms’
perceptions between SBI and KVB
Table 15 shows comparative data regarding manage-
rial ‘HRD Mechanisms’ perceptions between the two
selected banks. Results indicate that significant dif-
ferences exist between banks with regard to items 1, 5,
8 and 9. For instance, the system of appraising
managerial performance is greatly objective in SBI
and moderately objective in KVB (73.50, 63.00,
t = 2.97*). In both banks, there is a robust system of
rotating managerial jobs. Yet, comparatively, job
rotation is more frequent and efficient in KVB
(78.75, 85.75, t = 3.03*). Similarly, in KVB, succes-
sion planning is more effective than that in SBI (62.00,
71.50, t = 2.80*). Further, as compared to SBI, KVB
provides quick promotions to talented managers
(61.25, 76.25, t = 4.82*).
However, it is observed that in both banks mana-
gerial efforts and contributions are greatly recognised
and rewarded (74.25, 76.25). Similarly, both banks
pay lot of attention towards managerial training
(79.50, 83.25) and qualitatively plan and develop
managerial careers (72.25, 76.25). But, it is evident
that both banks have only a fair system of providing
regular feedback and guidance to managers that aims
to improve their performances (54.50, 57.25). Yet, in
both banks quality of work life of managerial person-
nel is uniform and highly impressive (72.25, 76.25). It
is really miserable that in both banks ‘employee
surveys’ are not conducted (44.75, 48.75). Obviously,
without the help of these surveys, banks cannot gather
information about the prevailing HRD climate.
Testing of H30
ANOVA results in Table 16 reveal statistically sig-
nificant difference among all six groups of sample data
pertaining to managerial perceptions in both banks
analysed at 5 % level of significance (Fcal 2.40 [ Ftab
2.38 and P 0.048 B 0.05). Thus, H30 is rejected and
alternatively it is concluded that the HRD climate
perceptions of managerial personnel working in SBI
and KVB significantly differ. Further, post hoc
analysis is also conducted.
Results of paired t tests made available in Table 17
reveal statistically significant difference in the second
pair of data (tcal 2.45 [ ttab 2.26 and P 0.03 \ 0.05) at
original a level. Thus, the variations in managerial
HRD climate perceptions between SBI and KVB
reported by ANOVA test may be due to perceptual
Table 14 Comparative managerial ‘OCTAPACE Culture’ perceptions between SBI and KVB
Item no. SBI (N = 132) KVB (N = 84) % score gap t statistic
Mean SD % score Mean SD % score
1 3.79 0.94 69.75 3.38 1.18 59.50 10.25 2.65*
2 3.73 0.96 68.25 3.62 1.09 65.50 2.75 0.74
3 4.12 0.77 78.00 4.05 0.95 76.25 1.75 0.59
4 2.91 0.99 47.75 3.00 1.11 50.00 2.25 0.60
5 3.97 0.87 74.25 4.10 0.61 77.50 3.25 1.23
6 3.39 0.85 59.75 3.24 1.11 56.00 3.75 1.09
7 4.15 0.74 78.75 3.95 0.72 73.75 5.00 1.94**
8 3.73 0.96 68.25 3.62 0.94 65.50 2.75 0.80
9 3.61 1.04 65.25 3.48 1.18 62.00 3.25 0.82
10 4.15 0.89 78.75 3.95 0.90 73.75 5.00 1.58
Overall 3.76 – 69.00 3.64 – 66.00 3.00 –
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
** t critical two-tail = 1.97 @ a = 0.05, P B 0.05
Decision
123
differences regarding OCTAPACE culture. Thus,
rejection of H30 based on ANOVA test result
(Table 16) remains consistent.
Analysis of non-managerial HRD climate
perceptions through external comparison
Hypothesis (H40) There is no significant difference
between the HRD climate perceptions of non-mana-
gerial personnel working in SBI and KVB.
Comparative non-managerial ‘General Climate’
perceptions between SBI and KVB
Table 18 shows comparative data about non-manage-
rial ‘General Climate’ perceptions between the two
selected banks. Results indicate existence of signifi-
cant perceptual differences between banks relating to
statements 2, 5, 6, 7 and 8. For instance, in their
preparation to assume future assignments, in SBI,
clerks receive moderate guidance from their seniors or
managers whereas in KVB their counterparts receive
excellent guidance (63.00, 81.75, t = 5.41*). Simi-
larly, in identifying and utilising non-managerial
potential, SBI makes moderate efforts whereas KVB
makes good-quality efforts (61.00, 72.25, t = 3.55*).
Further, in improving their educational qualifications,
clerks in SBI get moderate encouragement while their
counterparts in KVB receive good level of support
(59.25, 73.75, t = 3.74*). Consequently, clerks in SBI
perceive that their managers are virtually not con-
cerned of their development while their counterparts
in KVB indicate that their managers are greatly
concerned of their development (51.75, 69.75,
t = 4.64*). Perhaps, due to these relatively unsympa-
thetic conditions in SBI, clerks in this bank perceive
moderate growth opportunities. On the contrary, in
KVB, clerks find excellent growth opportunities as
their managers extend good support on several
dimensions (61.00, 93.50, t = 9.61*).
Table 15 Comparative managerial ‘HRD Mechanisms’ perceptions between SBI and KVB
Item no. SBI (N = 132) KVB (N = 84) % Score gap t statistic
Mean SD % score Mean SD % score
1 3.94 0.98 73.50 3.52 1.01 63.00 10.50 2.97*
2 3.97 0.83 74.25 4.05 0.57 76.25 2.00 0.80
3 4.18 0.79 79.50 4.33 0.78 83.25 3.75 1.37
4 3.91 0.83 72.75 4.05 0.72 76.25 3.50 1.28
5 4.15 0.74 78.75 4.43 0.58 85.75 7.00 3.03*
6 3.18 1.00 54.50 3.29 0.88 57.25 2.75 0.79
7 3.91 1.16 72.75 4.05 0.65 76.25 3.50 1.11
8 3.48 0.96 62.00 3.86 0.94 71.50 9.50 2.80*
9 3.45 1.07 61.25 4.05 0.72 76.25 15.00 4.82*
10 2.79 1.07 44.75 2.95 1.22 48.75 4.00 1.01
Overall 3.67 – 66.75 3.86 – 71.50 4.75 –
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
Table 16 Result of ANOVA (single factor) for differences in managerial HRD climate perceptions between SBI and KVB
Source of variation SS df MS F* P value* F crit
Between groups 1.632671 5 0.326534 2.404128 0.048554 2.38607
Within groups 7.334402 54 0.135822
Total 8.967072 59
Source Computed based on all group mean values in Tables 13, 14 and 15
* Significant @ a = 0.05
Decision
123
However, both banks usually believe clerical
personnel as an important resource (74.00, 69.75),
but to a moderate extent allocate other resources for
their development (65.75, 64.50). Besides, in both
banks, clerical personnel receive a fair degree of help
to acquire competencies on-the-job (68.50, 63.25).
Hence, they view work environment as moderately
conducive for their development (63.00, 67.00).
Besides, it is observed that both banks fairly contem-
plate HRD philosophy in their personnel policies
(67.50, 72.25). Overall mean, percentage score and
gap reveal that the quality of general climate is
perceived by clerical personnel as moderate in SBI and
as good in KVB (63.50, 72.75, gap = 9.25).
Comparative non-managerial ‘OCTAPACE
Culture’ perceptions between SBI and KVB
Table 19 shows comparative data on non-managerial
‘OCTAPACE Culture’ perceptions between the two
selected banks. Significant perceptual differences
exist between the banks regarding statements 5, 6, 7,
8 and 10. To elaborate, there is a culture of moderate
degree of openness among non-managerial personnel
in both banks (69.50, 65.75). However, they are
friendly to each other and have a high degree of mutual
trust among them (76.75, 80.25). Consequently, while
trying to solve workplace problems, they greatly
involve in open discussions rather than blaming each
other (72.25, 73.75). However, impressive unity and
teamwork among the non-managerial personnel in
both banks, it is evident that these are comparatively
stronger and qualitative in KVB (70.25, 79.00,
t = 2.73*). But, they enjoy only moderate level of
workplace freedom as they largely depend on their
superiors to perform routine tasks (52.75, 58.00).
Results further indicate that clerical personnel in
KVB are more proactive than their counterparts in SBI
(69.50, 80.25, t = 3.38*). Similarly, clerks in KVB
get more opportunities to innovate and apply their
Table 17 Results of paired t test for dimension-wise differences in managerial HRD climate perceptions between SBI and KVB
Pair Dimension SBI SD KVB SD t statistic P value
1 GC 4.02 0.15 4.10 0.27 1.02 0.33
2 OC 3.76 0.38 3.64 0.37 2.45* 0.03*
3 HRDM 3.67 0.45 3.86 0.46 1.98 0.07
Source Computed based on pair-wise group mean values in Tables 13, 14 and 15
Note t critical two-tail = 2.26 @ a = 0.05. All P values are two tailed
* Significant @ a = 0.05
Table 18 Comparative non-managerial ‘General Climate’ perceptions between SBI and KVB
Item no. SBI (N = 108) KVB (N = 76) % score gap t statistic
Mean SD % score Mean SD % score
1 3.96 0.88 74.00 3.79 0.95 69.75 4.25 1.24
2 3.52 0.92 63.00 4.26 0.91 81.75 18.75 5.41*
3 3.63 0.99 65.75 3.58 1.04 64.50 1.25 0.33
4 3.74 1.00 68.50 3.53 0.82 63.25 5.25 1.58
5 3.44 1.20 61.00 3.89 0.44 72.25 11.25 3.55*
6 3.37 1.13 59.25 3.95 0.95 73.75 14.00 3.74*
7 3.07 1.12 51.75 3.79 0.95 69.75 18.00 4.64*
8 3.44 1.23 61.00 4.74 0.55 93.50 32.50 9.61*
9 3.52 0.88 63.00 3.68 0.86 67.00 4.00 1.27
10 3.70 0.89 67.50 3.89 0.64 72.25 4.75 1.67
Overall 3.54 – 63.50 3.91 – 72.75 9.25 –
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
Decision
123
potential in their work when compared to their
counterparts in SBI (63.00, 77.75, t = 4.43*). Also,
clerks in KVB are well encouraged to experiment with
new methods of working as compared to clerks in SBI
(63.00, 71.00, t = 2.17**). However, in both banks,
creativity is moderately encouraged (65.75, 59.25).
Further, it is worth examining that clerks in SBI are
almost disgruntled about the level of recognition and
motivation they receive in assuming higher level
responsibilities (51.75, 61.75, t = 2.73*). During the
HRD climate survey in rural branches of KVB, it was
observed that when branch managers go on leave,
clerks take initiative and act as dynamic substitutes.
Due to this informal authority, clerks in KVB might be
happier. But, it may be contented that SBI is more
procedural in observing hierarchical authority rela-
tionships. Overall mean, percentage score and gap
reveal that the quality of OCTAPACE culture is
perceived by clerical personnel as moderate in SBI and
as good in KVB (65.50, 70.75, gap = 5.25).
Comparative non-managerial ‘HRD Mechanisms’
perceptions between SBI and KVB
Table 20 shows comparative data about non-manage-
rial ‘HRD Mechanisms’ perceptions between the two
selected banks. It is apparent that significant differ-
ences exist between both banks with regard to all
items except 7. For instance, the system of appraising
non-managerial performance is moderately objective
in SBI while the same is objective to a greater extent in
KVB (64.75, 72.25, t = 2.55*). Similarly, non-man-
agerial efforts and contributions are moderately
recognised and rewarded in SBI, but they are highly
valued and prized in KVB (62.00, 71.00, t = 3.06*).
However, adequate the training facilities provided to
clerical personnel in SBI are, they are surely less than
those provided in KVB (69.50, 85.50, t = 4.78*).
Similarly, job rotation among clerical personnel is at
moderate pace in SBI whereas the same is too frequent
in KVB (65.75, 81.50, t = 4.72*). Thus, SBI is
critically lagging behind its counterpart in planning
and developing non-managerial careers (55.50, 77.75,
t = 6.96*).
Further, clerks in SBI are not provided feedback or
guidance to improve their performances when com-
pared to their counterparts in KVB (46.25, 59.25,
t = 3.34*). Moreover, non-managerial succession
planning is completely ineffective in SBI while the
same is highly efficient in KVB (49.00, 71.00,
t = 6.07*). Consequently, in SBI, clerical personnel
do not get promotions quickly even if they perform
well and prove their ability while their counterparts in
KVB get rapid elevations (46.25, 77.75, t = 9.59*). It
is learnt during the survey in SBI that a senior clerk
who actively involves in the matters of quality circle is
elevated to the position of ‘assistant manager’ after
20 years of his valuable service to the bank. Thus, in
Table 19 Comparative non-managerial ‘OCTAPACE Culture’ perceptions between SBI and KVB
Item no. SBI (N = 108) KVB (N = 76) % score gap t statistic
Mean SD % score Mean SD % score
1 3.78 0.83 69.50 3.63 0.87 65.75 3.75 1.13
2 3.89 0.96 72.25 3.95 1.05 73.75 1.50 0.38
3 4.07 0.71 76.75 4.21 0.83 80.25 3.50 1.15
4 3.11 1.13 52.75 3.32 1.17 58.00 5.25 1.17
5 3.78 0.96 69.50 4.21 0.77 80.25 10.75 3.38*
6 3.07 1.15 51.75 3.47 0.82 61.75 10.00 2.73*
7 3.81 0.94 70.25 4.16 0.74 79.00 8.75 2.73*
8 3.52 1.13 63.00 3.84 0.88 71.00 8.00 2.17**
9 3.63 1.13 65.75 3.37 0.99 59.25 6.50 1.65
10 3.52 1.13 63.00 4.11 0.64 77.75 14.75 4.43*
Overall 3.62 – 65.50 3.83 – 70.75 5.25 –
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
** t critical two-tail = 1.97 @ a = 0.05, P B 0.05
Decision
123
SBI, clerical personnel are virtually lacking opportu-
nities for their upward movement. On the contrary,
KVB is understood to be performers’ paradise. Yet,
clerical personnel in both banks confidently perceive
that the quality of their work lives is highly impressive
(70.25, 71.00). Finally, despite significant differences
in their perceptions, non-managerial personnel in both
banks agree that they do not have a formal mechanism
of obtaining information to review the prevailing HRD
climate (37.00, 54.00, t = 3.74*). Overall mean,
percentage score and gap reveal that the quality of
HRD mechanisms is perceived by clerical personnel
as less moderate in SBI and as high-quality in KVB
(56.75, 72.00, gap = 15.25).
Testing of H40
ANOVA results available in Table 21 explain statis-
tically significant difference between the six groups of
sample data pertaining to non-managerial perceptions
in both banks analysed at 1 % level of significance
(Fcal 4.80 [ Ftab 3.37 and P 0.00 \ a 0.01). Thus, the
test provides strong evidence to reject H40 and
alternatively conclude that the HRD climate percep-
tions of non-managerial personnel working in SBI and
KVB significantly differ. This result calls for post hoc
analysis.
Results of paired t tests made available in Table 22
reveal statistically significant difference regarding the
third pair of data at Bonferroni’s adjusted alpha level
aB = 0.016 (tcal 5.65 [ ttab 3.24 and P 0.000 \0.0033). Hence, the variations in non-managerial
HRD climate perceptions between both banks reported
by ANOVA test can be attributed to highly significant
differences relating to HRD mechanisms. Thus,
rejection of H40 based on ANOVA test result
(Table 21) remains extremely reliable. Besides, mod-
erate variations also exist relating to general climate
and OCTAPACE culture perceptions at original alpha
level.
Implications of the study for banks in India
Results indicate that HRD climate surveys are not
conducted in both banks. Hence, it is advised that the
banks under study should often facilitate HRD climate
surveys to comprehend facts about prevailing HRD
climate and to subsequently make attempts to improve
it further. If necessary, this task may be entrusted to an
independent human resource research and develop-
ment division established for this purpose. It may also
look at factors like employees’ exit, job satisfaction,
organisational climate change, change readiness,
employee benefits, employee engagement, profes-
sional development, superior-subordinate relation-
ships, employee motivation, employee retention, etc.
Banks may place qualified and experienced social
Table 20 Comparative non-managerial ‘HRD Mechanisms’ perceptions between SBI and KVB
Item no. SBI (N = 108) KVB (N = 76) % score gap t statistic
Mean SD % score Mean SD % score
1 3.59 0.95 64.75 3.89 0.64 72.25 7.50 2.55*
2 3.48 1.07 62.00 3.84 0.49 71.00 9.00 3.06*
3 3.78 1.20 69.50 4.42 0.59 85.50 16.00 4.78*
4 3.22 1.07 55.50 4.11 0.64 77.75 22.25 6.96*
5 3.63 1.09 65.75 4.26 0.71 81.50 15.75 4.72*
6 2.85 1.15 46.25 3.37 0.93 59.25 13.00 3.34*
7 3.81 0.77 70.25 3.84 0.67 71.00 0.75 0.25
8 2.96 1.07 49.00 3.84 0.88 71.00 22.00 6.07*
9 2.85 0.97 46.25 4.11 0.79 77.75 31.00 9.59*
10 2.48 1.34 37.00 3.16 1.09 54.00 17.00 3.74*
Overall 3.27 – 56.75 3.88 – 72.00 15.25 –
* t critical two-tail = 2.59 @ a = 0.01, P B 0.01
Decision
123
science researchers in this unit. Further, HRD depart-
ment can be made an important customer of this arm.
Next, it is observed that in both banks managerial
personnel are denied workplace freedom. However,
in both banks, non-managerial personnel are granted
autonomy a little extent. Hence, it is imperative for
banks to provide adequate autonomy to managerial
personnel and empower them so that they can take
quick and quality decisions at their respective levels
and attempt to achieve targets effectively with the
support and involvement of their subordinates.
Perhaps, due to lack of autonomy and average
recognition leading to their engagement in higher
level responsibilities, managerial personnel in SBI
are least concerned of their subordinates’ develop-
ment. They provide only moderate guidance to their
subordinates in preparing them for future assign-
ments and mediocre support to broaden their
knowledge through education. Further, in the same
bank, the efforts and contributions of clerical
personnel are less recognised and also their careers
are inadequately planned and developed. Besides,
they are not entrusted with higher level responsibil-
ities. Thus, in SBI, the job environment is not fully
conducive for the development of clerical personnel
upsetting their chances for rapid advancement in
the organisational hierarchy and hampering their
growth. These circumstances in SBI explain certain
degree of managerial disinterest towards non-man-
agerial development, which may be the effect of
insufficient empowerment of the former. Hence, by
means of full-fledged development of managerial
personnel, management should ensure their commit-
ment towards non-managerial development. This
phenomenon gives birth to a model discussed in
subsequent section.
It is also examined that in both banks performance
feedback is not a regular feature. This might be due to
the presence of the appraisal system which is not
absolutely objective. Hence, the banks under study
should attempt to provide an ongoing comprehensive
feedback to all the personnel by introducing a 3600
quarterly appraisal which could be more objective
than the traditional method. Further, appraisal infor-
mation may lead to rating and ranking of employees on
the parameters like meeting performance expecta-
tions, demonstration of new skills, zeal for learning,
generation of novel ideas, effective dealings with
customers, maintaining harmonious interpersonal
relationships at workplace, communication, profes-
sional approach towards work, accepting changes in
assignments, helping others in the matters of their
Table 21 Result of one-way ANOVA for differences in non-managerial HRD climate perceptions between SBI and KVB
Source of variation SS df MS F* P value* F crit
Between groups 3.100885 5 0.620177 4.804991 0.001049 3.376912
Within groups 6.969743 54 0.129069
Total 10.07063 59
Source Computed based on all group mean values in Tables 18, 19 and 20
* Significant @ a = 0.01
Table 22 Results of paired t test for dimension-wise differences in non-managerial HRD climate perceptions between SBI and KVB
Pair Dimension SBI SD KVB SD t statistic P value
1 GC 3.54 0.24 3.91 0.35 2.45 0.03**
2 OC 3.62 0.32 3.83 0.35 2.47 0.03**
3 HRDM 3.27 0.45 3.88 0.38 5.65 0.00*
Source Computed based on pair-wise group mean values in Tables 18, 19 and 20
* Significant @ aB = 0.016. ** Significant @ a = 0.05
NB t critical two-tail = 3.24 @ a = 0.01. All P values are two tailed
Decision
123
development, etc. Highly rated individuals may be
rewarded and/or assigned with high-level responsibil-
ities as per the organisational needs. Performances of
moderately and poorly rated individuals can be
improved by imparting them necessary training and
coaching with an objective to enhance their ratings.
It is further grasped that both banks allocate
average resources for the development of the clerical
personnel by considering them as less important than
the managerial personnel. This is incorrect. Since,
clerical personnel also play crucial role in the success
and survival of banks, they should be provided equal
opportunities to grow in their capacities. Particularly,
in SBI, the present promotion policy concerning
clerical personnel seems to be undermining their
chances of growing. Hence, management may think
on altering the policy and reserve at least 50 % of
entry-level managerial positions (i.e. junior/assistant
managers) to the senior clerks. In this context, rapid
‘seniority cum merit based’ promotions may be
launched to instil vigour and loyalty in the minds of
this vital workforce. It is also necessary to make
clerical training more development oriented.
Also, it is understood that in KVB succession
planning is highly effective for both cadres. But, in
SBI the same is reasonably effective as regards
managerial personnel and extremely ineffective in case
of non-managerial. To overcome this gap, banks may
try to build and base on an electronic human resource
information system (eHRIS) separately for managerial
and non-managerial personnel to facilitate an equally
efficient succession planning in respect of both cadres.
This should contain comprehensive data regarding
qualifications, seniority, experience, attitudes, traits,
abilities, skills and knowledge levels, past decision
making and the rate of success, other achievements, etc.
Conclusion
Rapidly advancing banking technology and knowledge
customers are the two vital forces currently driving the
banking business in India. Since, there is stiff compe-
tition among banks to attract new customers and retain
the existing, they are supposed to depend largely on
their human resources to achieve this ultimate goal.
Hence, there is an urge to continuously refine HRD
policies and programmes to ensure quality HR and
thereby deliver quality service to customers. In this
empirical work, an attempt is made to probe the HRD
climate prevailing in SBI and KVB through internal and
external comparisons. The performance and contribu-
tion of HRD climate elements are quantitatively
assessed. Mainly, the study identifies significant vari-
ations in the HRD climate perceptions of managerial
and non-managerial personnel working in SBI. Non-
managerial personnel in SBI express dissatisfaction on
several dimensions of HRD. However, it is noticed that
good-quality HRD climate prevails in KVB.
It is understood that the prevailing circumstances in
the public sector bank are somewhat unfavourable to
the development of all human resources. Hence, to be
successful in their approach, banks should value both
managerial and non-managerial personnel equally and
ensure their faithful and enthusiastic involvement in
the broad HRD system. For instance, in the course of
ensuring quality human resources, top management
has to formulate HR policies and design HRD
programmes reflecting both managerial and non-
managerial views and expectations. Besides, it should
facilitate general climate and OCTAPACE culture that
is greatly supportive to HRD climate in the bank.
Indeed, HRD must be relevant to an organisation’s
culture and traditions (Pareek 1988). Thus, the
*FB= Feedback on HRD climate.
CauseCause Support
FB
FBTop ManagementFacilitates supportive general HRD climate; Prepares policies and HRD programmes on both managerial and non-managerial views and expectations.
Managerial Development
Non-Managerial Development
Customer Satisfaction and
Retention
Fig. 1 A model showing
management’s holistic
approach towards HRD
Decision
123
approach towards HRD in any bank should be that of
ensuring the integration of HRD climate perceived by
both cadres and driving them towards the achievement
of common organisational goals. Banks should realise
that managerial development generally leads to non-
managerial development. Hence, they should ensure
managerial support to non-managerial development.
The model (Fig. 1) presented here depicts such an
approach diagrammatically:
According to Kohli et al. (2003, p. 89), ‘although
banks have designated divisions as HRD divisions,
they continue to perform personnel administration’. It
is observed that even now HRD has been the
responsibility of the ‘Personnel and HRD department’
in the two banks surveyed. At least now, banks need to
realise that separation is inevitable to have a more
focussed approach towards HRD and subsequently
strengthen the personnel function.
Banks may also attempt to create new jobs
containing new roles and responsibilities for the
benefit of personnel lacking progression, aiming to
overcome individual career gaps. If required, the
existing service conditions may be altered to accom-
modate these newly created positions. This will ensure
curiosity and contentment among the personnel as
they experience novelty in their new roles.
In addition, creative ideas shall be encouraged at
workplace by instituting awards and rewards leading to
an increase in the commitment levels of employees and
subsequent improvement in quality of customer ser-
vice. Besides, top management should promote quality
circles (QCs) in every branch to let members plan their
work effectively and solve work-related problems
through teamwork. Adequate support may be extended
for their establishment and effective functioning.
In the recent years, there is an enormous increase in
the banking business. It is observed that due to
subsequent increase in the workload, the personnel
particularly managers are undergoing stress. Hence,
banks may plan to establish recreation and rest rooms at
least in every busy or big branch and provide the
personnel rest pauses. Also, health and wellness
improvement programmes like meditation and yoga
shall be introduced. Qualified yoga specialists may be
recruited in these branches to take care of the employ-
ees’ health.
Appendix 1: Profiles of the respondents
Age profile
Age (in years) SBI KVB
Managerial Clerical Managerial Clerical
\25 – – 8 12
25–34 8 4 28 36
35–44 40 28 28 16
45–54 56 76 16 12
55 and [ 28 – 4 –
Total 132 108 84 76
Service profile
Service
(in years)
SBI KVB
Managerial Clerical Managerial Clerical
Below 10 8 – 24 44
11–20 28 40 40 20
21–30 56 68 20 12
31–40 40 – – –
41 and above – – – –
Total 132 108 84 76
Training profile
Training
(number)
SBI KVB
Managerial Clerical Managerial Clerical
5 and less 36 72 36 64
6–10 52 36 36 8
11–15 32 – 8 4
16–20 12 – – –
21–25 – – 4 –
Total 132 108 84 76
Promotions profile
Promotions
(number)
SBI KVB
Managerial Clerical Managerial Clerical
Nil 8 44 16 76
1 24 32 36 –
2–3 84 32 24 –
4–5 12 – 8 –
More than 5 4 – – –
Total 132 108 84 76
Source Compiled from the collected data of the study
Decision
123
Appendix 2: HRD climate survey questionnaire
Sl. no. Statement SA (5) A (4) N (3) D (2) SD (1)
General climate
1 Top management of your bank believes that the human resources are
an extremely important resource and that they have to be dealt more
humanely
2 Seniors in your bank properly guide juniors and prepare them for
future roles/responsibilities they are likely to take up
3 The top management of your bank is willing to invest a considerable
part of their time and other resources to ensure the development of
its employees
4 In your bank, employees get help to acquire skills and competencies,
while doing their jobs
5 The top management of your bank makes efforts to identify and utilise
the potential of the employees
6 Managers in your bank encourage employees to acquire higher
qualifications like CAIIB, MBA (Finance), etc.
7 Managers in your bank feel that the development of subordinates is an
important part of their role
8 Growth opportunities are open to every employee in your bank
9 In your bank, development of human resources is considered while
framing the personnel policies
10 The working environment in your bank is very conducive to any
individual employee interested in developing himself/herself by
acquiring new knowledge and skills
OCTAPACE culture
1 In your bank, there is a culture in which employees freely share their
views and ideas with each other
2 When problems arise, employees in your bank discuss the problems
openly and try to solve them rather than blaming others
3 The working environment in your bank is friendly and employees
trust each other
4 Employees in your bank are encouraged to do things on their own
without having to wait for instructions from their superiors
5 Your management encourages the personnel to take initiative and risk
at workplace
6 Managers in your bank recognise subordinates and make them feel
important by giving higher level responsibilities
7 There is unity and teamwork in your bank
8 Employees in your bank are encouraged to experiment with new
methods of working
9 Your management encourages creativity and always expects
improvement in work activities
10 Employees in your bank are given opportunity to innovate and use
their capabilities in their work
HRD mechanisms
1 The system of appraising employees in your bank is based on
objective assessment and not on favouritism
Decision
123
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