To ensure that the sample drawn from the above sampling institutions are proportionate and scientific rather than
arbitrary, Bowley‟s formula for sample distribution given thus: n = xh/N. Where n = Distributed sample, x =
Number of staff from each bank, h = Sample from population, N = Population of study. With the formula, the
sample was distributed as shown in Table 1. Consequently, a total of 230 copies of questionnaire were developed
and served to respondents, out of which a total of 223 copies were returned correctly and completely filled by
respondents. The response rare being 96.96% very significant and was adjudged a fair representation of the
sample and the population.