employing national diploma holders as bulk tellers and they are essentially casuals who just earn a lump sum that is not more than what can be regarded as basic salary without additional or fringe benefits such as medical and transport allowances. Annual Salary Lastly in this section respondents were asked to state their annual salaries. The returns indicate that majority of those who responded(50.7%) earn more than N1million naira per annum which translates into more than N80, 000 per month. By Nigerian standard this appears reasonable. The entire salary structure is presented in tables 7a and 7b below. Table 7a: Salary((PA) Naira)) Valid Missing Total 0-500,000 500,001-1,000,000 1,000,001-1,500,000 1,500,001-2,000,000 Above 2M Total System Source: Field survey, 2009 Frequency 77 64 32 30 83 286 92 378 Percent 20.4 16.9 8.5 7.9 22.0 75.7 24.3 100.0 Valid Percent 26.9 22.4 11.2 10.5 29.0 100.0 Cumulative Percent 26.9 49.3 60.5 71.0 100.0 Table 7b: Salary((PA) Naira)) by Sector Name of Sector Total Telecommunication Oil& Gas Banking 0-500,000 18(6.29%) 27(9.44%) 32(11.18%) 77(20.4%) Salary((PA) Naira)) 5000,001­1,000,000 1,000,001­1,500,000 1,500,001­2,000,000 20(6.99%) 10(3.49%) 34(11.88%) 64(16.9%) 14(4.89%) 14(4.89%) 4(1.39%) 32(11.18%) 8(2.79%) 12(4.19%) 10(3.49%) 30(7.9%) Above 2M Total 20(6.99%) 80(27.97%) 19(6.64%) 82(28.67%) 44(15.38%) 124(43.35%) 83(22.0%) 286 Source: Field survey, 2009 8