Emotional Intelligence and Organizationa
Emotional Intelligence and Organizationa
Emotional Intelligence and Organizationa
1. INTRODUCTION
The relevance of emotional intelligence in achievement of organizational performance can never be
under-estimated. This is because organization, like an organism is faced with several distinct stages of
development; a moment of birth, growth, maturation and eventual end. Organizations’ growth and success to a
great extent is dependent on the strength and performance of their employees. Ordinarily, employee’s exhibit
positive as well as negative emotions at workplaces and these have great impact on the resultant outcomes as
positive or negative respectively. Having a deep understanding and control over one’s own emotions and
understanding others’ emotions is very vital for successful work relationships and creating conducive work
environment. Organizations should understand and accept that emotional intelligence is a key contributing
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factor to successful performance and strategize on inculcating emotional intelligence among their employees to
create effective and efficient workplace. For several decades now, the challenge of achieving organizational
performance has remained a contentious issue in service firms particularly commercial banks. This may not be
unconnected to lack of proper management of employee emotional intelligence in such firms. Relatively,
Goleman (2011) identifies several social skills which are components of emotional intelligence required by
organizations to include self-control, self-management, relationship-management and employee competency.
Several studies have identified that lack of self-control and effective management of emotions are some of the
determinant factors of many commercial banks in Nigeria (Kalpana and Noopur, 2013; Shahram, 2013).
Evidently, one of the numerous ingredients for effective, healthy and competitive organization is a good
self-management. In a very practical sense, it is most often observed that operations of organizations grind to a
halt due to poor self-management of their employees. In concurring with the idea, Jain, et al., (2018) believe that
efficient and effective service delivery is a function of proper employee self-management skills. Factors like
misconceptions, poor mannerisms, wrong judgments as well as poor value systems may bring in chaos and
anarchy in organizations. Similarly, (Adeniji and Akinbode, 2018, Odusina, 2014; Sanusi, 2012) believe that
poor self-management skills among employees may influence an organizational output negatively. Emotional
intelligence may be viewed as the capacity of recognizing our feelings and feelings of others, motivating
ourselves and managing emotions in ourselves and in our relationships. The concept describes abilities
distinct from but complementary to academic intelligence, the purely cognitive capacities measured by
intelligence quotient (IQ). Relatively, Goleman (2011), describes emotional intelligence (EI) as the abilities to
recognize, regulate and manage emotions in ourselves and in others. The concept has been viewed as the ability
to monitor and manage one’s own and others’ emotions to discriminate between them and to use the
information to guide one’s thinking and actions (Kalpana and Noorpur, 2013). By implication, emotional
intelligence might be considered as a group of individual competencies essentially required for the achievement
of organizational p e r f o r m a n c e . However, it is believed that organizations, particularly commercial banks that
are conscious of the application of emotional intelligence in their operations are ones that have the abilities to
satisfy their stakeholders, customers, employees, and other needs of the environment.
Moreover, it is believed that, the achievement of quality services in banking industry is not the result of
a single causal factor but a result of the multiple factors which relationship management is significantly among
such factors. In support of this notion, Reinartz et al., (2010) aver that an effective relationship management
with t h e customers can strengthen a firm’s market share and bring about long-term market leadership and
mutual benefits between organization and customers. However, banks as the service providers are required to
be adaptive towards the demands and behaviors of the customers through conscious application of emotional
intelligence skills. It is believed that, basically, effective application of emotional intelligence skills such as
relation management may help organizations particularly banks in responding effectively towards the customer
needs. The learning and practice of emotional intelligence skills may help to improve the performance of
service providers and thus increase customer satisfaction. A proper application and utilization of relationship
management skills by organizations can help their increase knowledge about customers and give them greater
ability for recognizing and regulating the quality of services according to the desires of customers.
The ability of an organization to recognize its competence as an intangible asset and manage it
effectively may be viewed as one of the major contributing factors required for the achievement of
organizational performance (Nayab, 2011). Recognizing and managing different dimensions of emotions is
relevant and significant for measuring or predicting organizational performance and customers’ satisfaction as
most service delivery jobs require the ability to manage emotions. It is found that understanding the emotional
intelligence level of employees may help an organization to achieve the desired outcome and provide suitable
training to the managers and employees to regulate their emotions in order to help them to achieve the
organizational objectives efficiently and effectively.
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The world over, most service organizations particularly banks are concerned with what should be done to help
them achieve sustained high levels of performance. The banks belong to the service sector of the economy. It
relates basically with humans. Most often, banking floors are characterized with loud shouts and complaints due
to vast number of unsatisfied customers. Most often bank staff react to a “bad action” by a customer in a much
uncivilized way. What could be responsible for this? Could this be attributed to lack of proper training of bank
staff, especially on emotional intelligence? In some occasions, the branch managers or the operations manager
would have to address some issues openly to maintain and sustain the smooth and hitch free operational
atmosphere. However, for service delivery firms such as commercial banks to achieve their goal, they should
look inward and ask themselves some pertinent questions such as: How well do we connect with our self and
with others? To what extent is our ability to appropriately identify, recognize and manage our different
dimensions of emotions for our own well-being as well as the wellbeing of people around us? This is because
emotional intelligence as one of the innovative creativities in individuals or groups is believed to be very
relevant in the achievement of organizational performance in-service delivery firms such as commercial banks,
(Ganji 2011).
Many studies on emotional intelligence especially in service delivery firms such as commercial banks
have identified some important gaps which are relevant factors which can ultimately decide the collective
destiny of effective and successful organizations. Several of these studies concur that, the proper application
and utilization of emotional intelligence skills such as self-control, self-management and relationship
management could facilitate quality service delivery a n d p e r f o r m a n c e r e a l i z a t i o n within a n
organization, Hasanzadeh (2009). Many o f t h e s e studies have shown that emotional intelligence has a
direct link with organizational performance since employees have to deal with customers face to face. But
many of these studies failed to include non-managerial employees in examining the effects of emotional
intelligence on organizational performance. Also, many of these studies included only minimum number of
performance measures in the analysis of organizational performance. Consequently, future studies should be
extended to exploration of a wider range of employees at different organizational levels and researches on the
relationship between emotional intelligence and multiple variables of job performance should be investigated.
Thus, the relevance of emotional intelligence with regard to other predictors of performance should also be
explored. It is against this background that, this study was designed to examine the relationship between
emotional intelligence and organizational performance in commercial banks, Uyo Metropolis, Akwa Ibom
State. However, this is the gap the study was intended to cover.
1.5 Hypotheses
From the objectives of this study, the following research hypotheses were formulated to guide the study:
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conditions. In a related study, Mayer, et al (2010) defined emotional intelligence as the ability to adaptively
perceive, understand and regulate emotions in oneself and in others. Several studies have revealed that people
who are high in emotional intelligence get more success, make better interpersonal relation, work more
effectively and spend healthy life than those people who are low in emotional intelligence, Roland (2011).
However, for any organization, especially bank to achieve its productivity, the concept of emotional intelligence
should be given an important consideration in human resources planning, job profiling, recruitment interviewing
and selection, management development, customer relations and customer service delivery.
2.2 Self – control
Self-control is one of the defining qualities that distinguish human beings from other species of animals.
Self-control is the capacity to alter one’s thoughts, feelings, and behaviors to align them with one’s goals
(Goleman, 2011). Psychologists have viewde self-control from a variety of perspectives. Self-control may be
referred to as one’s ability to exercise restraint over their emotions in order to achieve the desired goals
(Goleman, 2011). However, Schechtman, (2015) views the concept of self-control as a capacity most people
have to a larger or lesser degree. According to Georgina (2014) self-control is one’s ability to control emotional
response to others by choosing correct emotional response and the concentration of this action. The concept of
self-control in psychological literature involves the need to suppress immediate impulses or urges to act or
react. Psychological literature has identified a number of processes that are involved in self-control. These
processes are classed into four: i. Motivation, goals, and planning. ii. Attention allocation, iii. Cognitive
change, and iv. Suppression. However, the line separating many of these categories is murky. This implies
that, there are conceptual overlap or integration among the categories. People may have myriad of self-control
tools at their disposal, but if they are not properly motivated to use those tools it is unlikely that they will exert
self-control (Bonanno and Burton, 2013).
2.3 Self-Management
Self-Management may be defined as management by oneself, taking of responsibility for one's own
behaviour and well-being within the organization. Employee self-management could be viewed as a form of
organizational management based on self-directed work processes on the part of an organization's
workforce. Self-management entails the capacity of a person to regulate his or her conduct with a tendency to
pursue aims with purposeful energy and perseverance. Self-management could be viewed as a unique
characteristic needed by an organization for the achievement of productivity. There are many variations of self-
management. Members can manage themselves through grouping themselves while in other forms they can
exercise authority through selection of specialists in the related field. However, self-management is made
possible by these selected specialists from different fields within the organization.
Self-management may be viewed as the capacity of an employee to manage emotions as one of the
major determinants of harmonious relationship among members in an organization (Nyerere and Barasa, 2015).
Graham and Roger, (2018), describe employee self-management as the capacity for employees to efficiently
utilize their mental functions of thinking such as understanding, observing and learning. The authors view
employee self-management skills to entail the possession of skills such as self-awareness skills and other
several social skills required by an organization. Jain, et al., (2018) describes the concept of self-management as
efficient and effective management of employee skills. According to Adeniji and Akinbode, (2018) lack of
efficient and effective employee self-management skills may affect organization’s effectiveness. The goal of
self-management is to grant workers autonomy in carrying out their operations in the organization. The action is
designed to boost workers’ morale and encourage sense of efficiency among them as part owners of the
organization. According to Wu, (2010) employee self-management is not fixed and the same can be improved
with different levels training. Michael, (2011) argues that most employees with high level of emotional
intelligence can utilize and regulate their own emotions and they have also the social competence and
efficiency to manage others and maintain better relationships among themselves. By implication, those with
high level of emotional intelligence are generally aware of how to manage their emotions in terms of retaining
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a positive mental state, a situation that can lead to increased efficiency. According to Wong (2017), an efficient
management of employee emotional intelligence is a significant driver of organizational performance.
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attempt to know why or why not they behave in a particular way. This is no doubt influenced by their cognitive
ability and signals a sensation of order which can appear baseless and awkward. In line with this, personality
theory categorizes people into types on the basis of personality tests and identifies types of people along
extraversion or introversion. Practically, personality theory explains the relationship between employees’
emotions and their performance in organizations.
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researchers have found a genetic link to these skills that nature plays a role in emotional intelligence
development (Goleman, 2011).
3. METHODOLOGY
3.1 Research Design
Research design constitutes the blue print, plans and guidelines that is used in data collection and analyses with
regard to the study. Research design is a must step requirement for a research process if research problems and
hypotheses are to be adequately addressed. Therefore, this study employed a cross-sectional survey.
3.3 Population
The population of this study consisted 271 staff of the selected banks using their banks’ staff nominal roll of
2023. The distribution of the population is as shown in table below:
Table 1
Distribution of population by Banks
S/n Bank population
1. First bank 75
2. ECO bank 33
3. Access bank 46
4. UBA 69
5. Zenith bank 48
Total 271
Source: Record of staff’ nominal roll, 2023.
n = N
1 + N (e) 2
Where:
N = Population
1 = constant
e = Level of significance
n = sample size
n= 271
1 + 271 (0.0025)
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n= 271
1.6775
n = 162
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Table 4.1 depicts that out of the total of 162 questionnaires distributed to selected bank staff, 135 questionnaires
representing 83.33% were correctly filled and returned, 27 questionnaires representing 16.67% were both
discarded and not returned. Therefore, the researcher collected a total number of 135 questionnaires and the
collated data from the respondents were used for the analysis. Furthermore, Table 4.2 presents the respondents’
demographics because in qualitative research that involves the analysis of subjective opinions of the
respondents, it is important to know the physiognomies of the respondents and how their responses can help in
solving the research problem.
Table 4.1.1: Data Presentation on Respondents’ Demographics
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HND/B.Sc. 46 34.07
OND/NCE 49 36.30
SSCE 16 11.85
Total 135 100.0
YEARS OF EXPERIEICNE 15 and above 51 37.80
12 – 14 58 43.00
9 – 11 9 6.70
6–8 9 6.70
3–5 3 2.20
0–2 5 3.70
Total 135 100.00
RANK Junior Staff 83 61.5
Senior Staff 31 23.0
Management Staff 21 15.6
Total 135 100.0
Source: Field Survey Data (2023)
From Table 4.1.1, a total of 69 respondents representing 51.1% were female while a total of 66 representing
48.9% of the respondents were male. This implied that majority of the participants were female.
However, this does not presuppose the fact that using more women in the study will in any way
affect the analysis and findings of the study. This is because the opinions expressed are highly
likely to represent general opinion or position concerning the research issues and not depending
on feminine or masculine opinion or position. Also, the majority of the respondents (28.15%)
were under the age bracket between 21 – 30 years. Majority of the respondents 56 (41.5%) were
single as well as OND/NCE holders as evidenced in 36.30%. Majority of the respondents 58
(43%) have working experience spanning between 12-14years. The responses to the questions on
the research constructs are presented in Table 4.1.2, which contains questions on the items
measuring each research construct or variable and the responses. The data on the items are
presented in nominal scale to reflect the scoring.
My bank productivity is high due to good behavior of 35(25.9%) 56(41.5%) 25(18.5%) 12(8.9%) 7(5.2%)
staff.
Staffs in my bank are not aggressive with their 30(22.2%) 65(48.1%) 26(19.3%) 10(7.4%) 4(3.0%)
customers.
Staff in my bank easily cope with environmental 35(25.9%) 56(41.5%) 25(18.5%) 12(8.9%) 7(5.2%)
pressures.
Staffs in my bank are always polite when reacting to 35(25.9%) 56(41.5%) 25(18.5%) 12(8.9%) 7(5.2%)
customers.
SELF-MANAGEMENT DIMENSION
Staffs in my bank have social skills of managing 57(42.2%) 47(34.8%) 14(10.4%) 8(5.9%) 9(6.7%)
themselves.
There is a good level interpersonal relationship in my 66(48.9%) 45(33.3%) 13(9.6%) 4(3.0%) 7(5.2%)
bank due to good self-management of staff.
My bank achieves high performance due to good staff 58(43.0%) 55(40.7%) 13(9.6%) 5(3.7%) 4(3.0%)
self-management.
Employee satisfaction is high in my bank due to good 42(31.1%) 63(46.7%) 13(9.6%) 12(8.9%) 5(3.7%)
self-management policies.
My bank has fair policies for every employee. 57(42.2%) 47(34.8%) 14(10.4%) 8(5.9%) 9(6.7%)
ORGANIZATIONAL PERFORMANCE DIMENSION
Quality service delivery in my bank is high 37(27.4%) 45(33.3%) 18(13.3%) 22(16.3%) 13(9.6%)
My bank is very effective in achieving results 42(31.1%) 54(40.0%) 20(14.8%) 11(8.1%) 8(5.9%)
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4.3 Self-control and organizational performance in commercial banks, Uyo Metropolis, Akwa Ibom
State
The first objective was on the relationship between self-control and organizational performance in commercial
banks, Uyo Metropolis, Akwa Ibom State. This implies that respondents were asked several questions linking
self-control to organizational performance. Table 4.3 shows that majority of respondents gave affirmation that
promotion in their bank is judged based on self-control, as evidenced in the 32 respondents representing
23.70% that agreed to the claim. Also, it was revealed that 56 respondents representing 41.5% agreed that their
bank productivity is high due to good behavior of staff. Furthermore, 65 respondents representing 48.1%
agreed that staffs in their bank are not aggressive with their customers. 41.5% of the respondents agreed that
staff in their easily cope with environmental pressures while another 41.5% of the respondents agreed staffs in
their bank are always polite when reacting to customers. However, this finding is subject to scientific testing
and until such test is conducted, it becomes valid.
4.4 Self-management and organizational performance in commercial banks, Uyo Metropolis, Akwa
Ibom State
The second objective was on the relationship between self-management and organizational performance in
commercial banks, Uyo Metropolis, Akwa Ibom State. This infers that respondents were asked several
questions linking self- management to organizational performance. Table 4.1.7 displays that majority of
respondents strongly agreed that staffs in their bank have social skills of managing themselves, as shown in the
57respondents representing 42.2%. Also, it was discovered that 66 respondents representing 48.9% strongly
agreed that there is a good level of interpersonal relationship in their bank due to good self-management of
staff. Moreover, 58 respondents representing 43% strongly agreed that their bank achieves high performance
due to good staff self-management while 63(46.7%) respondents agreed that employee satisfaction is high in
their bank due to good self-management policies. 57(42.2%) of the respondents strongly agreed that their bank
has fair policies for every employee. Nevertheless, this finding is subject to scientific testing and until such test
is conducted, it becomes valid.
4.5 Descriptive analyses of research variables
This analysis was conducted to assess the descriptive properties of the research variables in order to ascertain if
the data possess requisite characteristics for statistical analysis. These analyses involve descriptive statistics
such as the mean, standard deviation, minimum, maximum as well as skewness and kurtosis. This statistic
discloses the characteristics of the research variables principally in terms of variance or closeness of the data
points to the mean. The ultimate is to determine the degree of variability of the data away from the mean. A
high variability indicates high degree of variance and high potential of non-normality of the data thus leading to
unreliable estimate. It is desired that the dataset has low level of variability. Table 4.1.7 presents the result of
this statistics.
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Organizational 135 2.00 5.00 3.8246 .69580 -.508 .210 -.242 .417
performance
Self-control 135 1.25 5.00 4.0685 .68800 -1.218 .209 1.788 .414
Self-management 135 1.25 5.00 4.0185 .73975 -1.308 .209 2.328 .414
Source: Researcher’s Computation (2023) from SPSS Output.
From the result in Table 4.5, all mean values fall in between the maximum and minimum values of 5 and 4.06
respectively. Again, the standard deviations values for all variables are less than 1, which indicate low variance.
This shows that the data points of the variables are clustered around the mean and is highly likely to be the true
position of the opinions expressed and the parameters estimated with this data set is highly likely to have less or
minimal error.
4.7 Hypothesis I
The first hypothesis (Ho1) was that: Self-control has no significant relationship with organizational
performance in commercial banks, Uyo Metropolis, Akwa Ibom State. This hypothesis was tested using simple
regression statistics and the results are presented in Table 4.2.1.
From the result in Table 4.7, it was found, on average that for every 1% change in self-control, organizational
performance in commercial banks, Uyo Metropolis, Akwa Ibom State will increase by about 32.6%, and this
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change is significant at 1% level. With this result, the null hypothesis that “Self-control has no significant
relationship with organizational performance in commercial banks, Uyo Metropolis, Akwa Ibom State”, is
rejected in this study. This means that self-control has no significant relationship with organizational
performance in commercial banks, Uyo Metropolis, Akwa Ibom State. In quantitative perspective, as indicated
by the t-value 3.414, this would mean that an increase in self-control will lead to about 3.414 more
organizational performance in commercial banks, Uyo Metropolis, Akwa Ibom State. The f-stat value (11.653)
which is significant at 1% level implies that the model returning this result is correct and valid. The R2 value of
0.82 implies that the model explains a total of 82% of the variation in the dependent variable while 18% of the
variation is explained by variables not included in the model.
4.8 Hypothesis II
The second hypothesis (Ho2) was that: “Self-management has no significant relationship with
organizational performance in commercial banks, Uyo Metropolis, Akwa Ibom State”. This hypothesis was
tested using simple regression statistics and the results are presented in Table 4.8.
From the result in Table 4.2.2, it was found, on average that for every 1% change in self-management,
organizational performance in commercial banks, Uyo Metropolis, Akwa Ibom State will increase by about
0.074%, and this change is insignificant at 1% level. With this result, the null hypothesis that “Self-
management has no significant relationship with organizational performance in commercial banks, Uyo
Metropolis, Akwa Ibom State”, is accepted in this study. In quantitative perspective, as indicated by the t-value
1.083, this would mean that an increase in self-management will lead to about 1.1 more organizational
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performance in commercial banks in Uyo Metropolis, Akwa Ibom State. The R2 value of 0.009 implies that the
model explains a total of 0.09% of the variation in the dependent variable while 99.91% of the variation is
explained by variables not included in the model. The D-W stat. value of 1.665 is above 1.5 and is thus closer to
2 indicating the absence of autocorrelation problem in the estimated parameters. The economic implication of
the result is that improvement in organizational performance in commercial banks in Uyo Metropolis, Akwa
Ibom State can be achieved if greater efforts are channeled to self-management.
The results of the regression analysis were presented in Table 4.11. From the results, it was found, on average
that for every 1% change in self-management, organizational performance in commercial banks, Uyo
Metropolis, Akwa Ibom State would increase by about 0.074%, and this change is insignificant at 1% level.
Based on the t-value of 1.083, which is insignificant at 1% level, the finding was that self-management has no
significant relationship with organizational performance in commercial banks, Uyo Metropolis, Akwa Ibom
State. This finding is inconsistent with the finding of Graham and Roger (2018) that employee self-management
could impact positively on organizational performance. But from the interview with respondents, it was evident
that there is a significant relationship between self-management and employee performance in commercial
banks in Uyo metropolis, Akwa Ibom State.\
The main objective of this study was to examine the relationship between emotional intelligence and
organizational performance in commercial banks, Uyo Metropolis, Akwa Ibom State. The specific objectives of
the research were to examine the relationship between self-control and organizational performance in
commercial banks, Uyo Metropolis, Akwa Ibom State; assess the relationship between self-management and
organizational performance in commercial banks, Uyo Metropolis, Akwa Ibom State. Two hypotheses were
formulated and tested in this study. The researcher employed a cross-sectional survey design in which primary
data were obtained through questionnaire administration and interview. The reported t-value output from a
simple regression technique was used to test the hypotheses of the study. The findings of the study were
summarized as follows:
i. Self-control has a significant relationship with organizational performance in commercial banks,
Uyo Metropolis, Akwa Ibom State.
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5.2 Conclusion
The findings showed that self-control has a significant relationship with organizational performance in
commercial banks, Uyo Metropolis, Akwa Ibom State. This simply means that self-control is one’s ability to
exercise restraint over their emotions in order to achieve the desired goals. Self-control may also be viewed as a
capacity most people have to a larger or lesser degree as well as one’s ability to control emotional response to
others by choosing correct emotional response and the concentration of this action. These abilities exerted have
the probability of influencing organizational performance in a positive way. Further finding revealed that self-
management has no significant relationship with organizational performance in commercial banks, Uyo
Metropolis, Akwa Ibom State. Lack of efficient and effective employee self-management skills may affect
organization’s effectiveness and performance. The goal of self-management is to grant workers autonomy in
carrying out their operations in the organization. The action is designed to boost workers’ morale and encourage
sense of efficiency among them as part owners of the organization. One of ostensible reasons why self-
management has no significant relationship with organizational performance is the fact that employee self-
management is not fixed and the same can be improved with different levels of training in order to improve
organizational performance.
5.3 Recommendations
Based on the findings of this study, the following recommendations were made:
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APPENDIX I
Please read carefully each of the statement below and tick to indicate your agreement or disagreement to
each item. Each item has to do with the level of relationship between emotional intelligence and organizational
performance. The level or degrees of your responses are: Strongly agree (SA), Agree (A), strongly disagree
(SD), disagree (D) and Neutral (N).
S/N VARIABLES SA A SD D N
A SELF-CONTROL DIMENSION
B SELF-MANAGEMENT DIMENSION
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My bank productivity is high due to good behavior of 35(25.9%) 56(41.5%) 25(18.5%) 12(8.9%) 7(5.2%)
staff.
Staffs in my bank are not aggressive with their 30(22.2%) 65(48.1%) 26(19.3%) 10(7.4%) 4(3.0%)
customers.
Staff in my bank easily cope with environmental 35(25.9%) 56(41.5%) 25(18.5%) 12(8.9%) 7(5.2%)
pressures.
Staffs in my bank are always polite when reacting to 35(25.9%) 56(41.5%) 25(18.5%) 12(8.9%) 7(5.2%)
customers.
SELF-MANAGEMENT DIMENSION
Staffs in my bank have social skills of managing 57(42.2%) 47(34.8%) 14(10.4%) 8(5.9%) 9(6.7%)
themselves.
There is a good level interpersonal relationship in my 66(48.9%) 45(33.3%) 13(9.6%) 4(3.0%) 7(5.2%)
bank due to good self-management of staff.
My bank achieves high performance due to good staff 58(43.0%) 55(40.7%) 13(9.6%) 5(3.7%) 4(3.0%)
self-management.
Employee satisfaction is high in my bank due to good 42(31.1%) 63(46.7%) 13(9.6%) 12(8.9%) 5(3.7%)
self-management policies.
My bank has fair policies for every employee. 57(42.2%) 47(34.8%) 14(10.4%) 8(5.9%) 9(6.7%)
ORGANIZATIONAL PERFORMANCE DIMENSION
Quality service delivery in my bank is high 37(27.4%) 45(33.3%) 18(13.3%) 22(16.3%) 13(9.6%)
My bank is very effective in achieving results 42(31.1%) 54(40.0%) 20(14.8%) 11(8.1%) 8(5.9%)
My bank’s control of market is high 26(19.3%) 45(33.3%) 20(14.8%) 31(23.0%) 13(9.6%)
My bank is very efficient 25(18.5%) 28(20.7%) 27(20.0%) 31(23.0%) 24(17.8%)
My bank’s growth index is high 34(25.2%) 38(28.1%) 21(15.6%) 23(17.0%) 19(14.1%)
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