Results (
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A pilot study was conducted before distributing the questionnaire to test the validity of the measures. The sampleof the study consisted of 200 branch managers of private sector commercial banks in two Pakistani citiesRawalpindi and Islamabad. A total of 200 questionnaires were distributed. 158 questionnaires were returned,resulting in a response rate of 79%. Of the returned questionnaires, 151 were suitable for data analysis.Table 1 presents the main characteristics of the sample. Of the subjects, about (93%) are male and (7%) arefemale. Of the subjects, about (14%) have 14 years bachelor degree, (83%) have 16 years bachelor/master degree,and (3%) have 18 years master degree. Of the subjects, (47%) have been working as branch manager for lessthan 5 years and (53%) for 5 years or more.
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