The Indian banking and financial sector has a long history and 80% of banking sector in India is under the control of Govt. of India which recently introduced liberalized reforms opening floodgates to new private and foreign banks. This change created a major issue of competition effecting customer retention, employee retention and motivation. The data analysis of present study indicates that the managers in public sector organizations do not evince any ownership traits and fail to exhibit extra interest for winning the loyalty of their employees in times of global competition as against...