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Dissertation submitted to the Padmashree Dr. D.Y. Patil University Submitted By:

Submitted to:
Prof. Rashmi Gopinathan


SR.NO 1. 2. 3. 4. 5. 6.


ROLL NO. 011080 011081 011082 011083 011084 011085



We hereby declare that the project work entitled Co-relation of stress and gender at Kotak Mahindra Bank Submitted to the D.Y.PATIL UNIVERSITY, is a record of an original work done by GROUP IV MEMBERS under the guidance of PROF. RASHMI GOPINATHAN Faculty Member of PADMASHREE DR.D.Y.PATIL UNIVERSITY.


011080 011081 011082 011083 011084 011085


Apart from our efforts, the success of this project depends largely on the encouragement and guidelines of many others. We take this opportunity to express our gratitude to the people who have been instrumental in the successful completion of this project. We would like to show our greatest appreciation to Prof. Rashmi Gopinathan. We cannot say thank you enough for her tremendous support and help. Without her encouragement and guidance this project would not have materialized.

Place: Mumbai Date: 20-12-2011


Sr.No 1 2 3 4 5 6 7 7.1 7.2 7.3

Topic Executive Summary Objectives of the study Scope of the study Limitations of the study Research Methodology used Sample Size Introduction to Stress What is Stress Definition of Stress What is not Stress

Page. No 8-9 10 10 10 10 10 11-12 13 13 14 14 15-17 18



7.4 How do you respond H 7.5 7.6 to stress Kinds of Stress Signs and Symptoms of 7.7 7.8 Stress Causes of Stress Health Problems Caused by Stress

19 20

Sr.No 8 8.1

Topic Introduction to Kotak Mahindra Bank Achievements of Kotak Bank

Page. No 21-23 24-25



9 10 11 12 13

Effect and Impact of Stress on Employees Stress and Gender Stress in Public and Private Sector Banks Data Analysis Kotak Mahindra Banks Effective Stress Management Recommendations and Suggestions Conclusion Bibliography Webliography Annexure:Questionnaire

26-27 28-30 31-33 34-45 46-48

14 15 16 17 18

49-52 53-54 55 55 56-59



Kotak Mahindra Bank is a leading organization in banking sector in India. Kotak Mahindra Bank is known for its high work/job stress. So now days more companies are beginning to adopt processes and tools to more effectively recruit, retain, develop and deploy talent. Each company needs to understand the problem it faces, estimate the gaps in its industry and determine the skills it needs to meet business objectives. The direction in

Stress Management is to a fact-based understood and prioritization of what is needed. Its important not to adopt individual processes and tools in isolation from others. Stress Management is an old concept but now days its coming into picture more frequently. HR grew up in functional silos- recruiting, benefits, learning and training. Stress management also comes under the big umbrella of HR. A strange new disease has found its way into lives of people of this industrialized nation of the world. The most common disease is headache. Not only is this, but diseases like heart attack, high Blood Pressure, stomach disorders, and skin diseases very common to the people in the present world. These have become the effects of stress and have become most common in many of the organizations, now-a-days. Stress is an all pervading modern phenomenon that takes a heavy toll of human life. Different situations and circumstances in our personal life and in our job produce stress. The study is an attempt to find the reasons for stress and techniques which are used to overwhelm that stress in Kotak Mahindra Bank. Attempt has been made to create a framework that is robust and comprehensive and yet not over detailed. The project tells about the differences of organizational role stress among men and women employees of private sector banks. It indicates that women employees experience more stress than men employees. Further researches carried out have proven that women employees experience more stress in private sector banks than public sector banks.

OBJECTIVES:This study enables a successful organization to operate more efficiently though the use of worker input and satisfaction ratings. 1. To study effect of stress based on gender.

2. 3. 4. 5.

To study problems faced by employee. To find and compare the satisfaction level of employees in private sector bank. To study and to understand employees expect in the new area of banking. To recommend solution to the bank employees.

SCOPE:The scope of project was to include all employees of organization.

LIMITATIONS:There are always few constraints at the time of any kind of thesis conducted. Here are few limitations that would be faced by us at the time of collecting data and preparing the thesis. 1. Time constraints 2. Company policies 3. Reluctance of employees to answer the questionnaires

RESEARCH METHEDOLOGIES USED: Primary data: - collected by the researcher from the employees of an

organization. Secondary data: - the secondary source of data is the reference books, journal reviews, internet sites.

SAMPLE SIZE:A sample size of 30 employees was taken under consideration in an organization




Stress is your mind and bodys response or reaction to a real or imagined threat event or change. The threat, event or change is commonly known as stressors. Stressors can be internal or external. Internal Stressors (thoughts , beliefs and attitudes)

External Stressors (loss. Tragedy or change)

DEFINITION OF STRESS:Stress in individual is defined as any interference that disturbs a persons healthy mental and physical well being. It occurs when the body is required to perform beyond its normal range of capabilities. Stress is the way that you react physically, mentally and emotionally to various conditions, changes and demands in your life. High levels of stress can affect your physical and mental well being and performance. The results of stress are harmful to individuals, families, society and organizations, which can suffer from organization stress. Stress is a dynamic condition, which an individual is confronted with an opportunity, constraint or demand related to what he or she desires and for which the outcome is perceived to be both uncertain and important. Stress is associated with constraints and demands. The former prevent you from doing what you desire, the latter refers to the loss of something desired. Stress is highest for those individuals who perceive that they are uncertain as to whether they will win or lose and lowest for those individuals who think that winning or losing is certainty.



Stress is not simply anxiety or nervous tension. Stress need not always be damaging. Stress is not always due to overwork. Stress cannot be avoided. Body has limited capacity to respond.

How do you respond to stress?

Its important to learn how to recognize when your stress levels are out of control. The most dangerous thing about stress is how easily it can creep up on you. You get used to it. It starts to feels familiar even normal. You dont notice how much its affecting you, even as it takes a heavy toll. The signs and symptoms of stress overload can be almost anything. Stress affects the mind, body, and behavior in many ways, and everyone experiences stress differently.


Stress is something that we all deal with on a daily basis. It has made itself a big part of everyday life. No matter how much we might wish or hope a world without stress would not be very good for us. We would have no reason to choose to excel which means we would soon fade into obscurity. It is true that the type of stress does not matter when it comes to the effects that they can have upon the body. The benefit to be gained comes in by being able to tell the difference between good and bad stress. By being able to correctly identify what type of stress you are suffering from you will then be able to know whether or not you should address it.

Positive Stress:15

The first type of stress that must be addressed is positive stress. It can help you to achieve your goals in life. One example of positive stress can be found in the workplace - The corporate executive who wears his power tie to the board meetings and thrives on getting up in front of everyone to give a proposal is making use of stress in a positive manner. It allows him to give the best possible presentation while not worrying about the stress of trying to make sure each of the board members will be pleased. Another type of positive stress is that faced by "soccer moms." They seem to be able to balance a hectic schedule of running between sports games, dance recitals, and band practice while still maintaining a clean and well balanced household. This stress can help her to juggle all the odd hours and schedules that she must maintain to keep her household running.

Positive Stress Results:1. Results Enables Concentration 2. Increases Performance 3. Energizes you into motion

Negative Stress: The next sort of stress that we can examine is the negative sort.

Negative stress can affect you on a psychological level as well as a physical one. An example of negative stress in the workplace is easily found. Take the foreman of a manufacturing plant for example. He is pushed by his superiors to maintain a high level of quality but also must meet many short deadlines. He also deals with employees who are less than willing to give a full day's work and could care less about the quality of goods they are producing. This person is liable to have extremely high levels of stress which can affect his health. He may have high blood pressure and get sick easily. He may also require medication for his depression that is stress linked. You also have stress that is family related that can be quite harmful as well. Take the single mother who is trying to raise three children, make ends meet, and works two jobs. Odds are that she faces a great deal of negative stress. Just trying to make sure that her children have a hot meal and are ready for bed on time can be hard sometimes.

Negative Stress Results:Loss of motivation 2. Reduces effectiveness 3. Physical, mental and behavioural problems

Signs and Symptoms of Stress:The following table lists some of the common warning signs and symptoms of stress. The more signs and symptoms you notice in yourself, the closer you may be to stress overload.

Stress Warning Signs and Symptoms Cognitive Symptoms Memory problems Inability to concentrate Poor judgment Seeing only the negative Anxious or racing thoughts
Constant worrying Physical Symptoms Aches and pains Diarrhea or constipation Nausea, dizziness Chest pain, rapid heartbeat Loss of sex drive

Emotional Symptoms Moodiness Irritability or short temper Agitation, inability to relax Feeling overwhelmed Sense of loneliness and isolation
Depression or general unhappiness Behavioral Symptoms Eating more or less Sleeping too much or too little Isolating yourself from others Procrastinating or neglecting responsibilities Using alcohol, cigarettes, or drugs to relax

Frequent colds

Nervous habits (e.g. nail biting, pacing)

Causes of stress
The situations and pressures that cause stress are known as stressors. We usually think of stressors as being negative, such as an exhausting work schedule or a rocky relationship. However, anything that puts high demands on you or forces you to adjust can be stressful. This includes positive events such as getting married, buying a house, going to college, or receiving a promotion.


What causes stress depends, at least in part, on your perception of it. Something that's stressful to you may not faze someone else; they may even enjoy it. For example, your morning commute may make you anxious and tense because you worry that traffic will make you late. Others, however, may find the trip relaxing because they allow more than enough time and enjoy listening to music while they drive.

Common internal causes of stress:Not all stress is caused by external factors. Stress can also be self-generated:

Inability to accept uncertainty Pessimism Negative self-talk

Unrealistic expectations Perfectionism Lack of assertiveness

Common external causes of stress:Not all stress is caused by external factors. Stress can also be self-generated:

Major life changes Work Relationship difficulties

Financial problems Being too busy Children and family






The Kotak Mahindra Bank is a financial organization established in 1985 in India. It was previously known as Kotak Mahindra Finance Limited, a non-banking

financial company. In February 2003, Kotak Mahindra Finance Ltd, the group's flagship company was given the license to carry on banking business by the Reserve Bank of India (RBI). Kotak Mahindra Finance Ltd. is the first company in the Indian banking history to convert to a bank. Today it has more than 20,000 employees and Rs. 10,000 crore in revenue. Mr. Uday Kotak is Executive Vice Chairman & Managing Director of Kotak Mahindra Bank Ltd. In July 2011 Mr. C. Jayaram and Mr. Dipak Gupta, whole time directors of the Bank, were appointed the Joint Managing Directors of Kotak Mahindra Bank. Dr. Shankar Acharya is the chairman of board of Directors in the company. The Bank has its registered office at Nariman Bhavan, Nariman Point, Mumbai.


Type Private Traded as BSE: 500247 NSE: KOTAKBANK Industry Banking Founded 1985 (as Kotak Mahindra Finance Ltd)

Headquarters Kotak Mahindra Bank Ltd.,Nariman Bhawan,Nariman Point,Mumbai, India

Key people Mr. Uday Kotak, Dr. Shankar Acharya, Mr. C. Jayaram and Mr. Dipak Gupta Products Deposit accounts, Loans, Investment services, Business banking solutions, Treasury and Fixed income products etc.

Revenue 10,963.74 crore (US$2.08 billion)(2011) Net income 1,569.24 crore (US$298.16 million)(2011)




1986: 1987: 1990: 1991:

Kotak Mahindra Finance Limited starts the activity of Bill Discounting Kotak Mahindra Finance Limited enters the Lease and Hire Purchase market The Auto Finance division is started The Investment Banking Division is started. Takes over FICOM, one of India's largest financial retail marketing networks

1992: 1995:

Enters the Funds Syndication sector Brokerage and Distribution businesses incorporated into a separate company Securities. Investment banking division incorporated into a separate company Kotak Mahindra Capital Company


The Auto Finance Business is hived off into a separate company -Kotak Mahindra Prime Limited (formerly known as Kotak Mahindra Primus Limited). Kotak Mahindra takes a significant stake in Ford Credit Kotak Mahindra Limited, for financing Ford vehicles. The launch of Matrix Information Services Limited marks the Group's entry into information distribution.


Enters the mutual fund market with the launch of Kotak Mahindra Asset Management Company.



Kotak Mahindra ties up with Old Mutual plc. for the Life Insurance business.

Kotak Securities launches its on-line broking site (now Commencement of private equity activity through setting up of Kotak Mahindra Venture Capital Fund. 2001: Matrix sold to Friday Corporation Launches Insurance Services 2003: Kotak Mahindra Finance Ltd. converts to a commercial bank - the first Indian company to do so. 2004: 2005: Launches India Growth Fund, a private equity fund. Kotak Group realigns joint venture in Ford Credit; Buys Kotak Mahindra Prime (formerly known as Kotak Mahindra Primus Limited) and sells Ford credit Mahindra. Launches a real estate fund. 2006: Bought the 25% stake held by Goldman Sachs in Kotak Mahindra Capital Company and Securities 2008: 2009: Launched a Pension Fund under the New Pension System Kotak Mahindra Bank Ltd. opened a representative office in Dubai Entered Ahmedabad Commodity Exchange as anchor investor 2010: Ahmedabad Derivatives and Commodities Exchange, a Kotak anchored enterprise, became operational as a national commodity exchange. 2011: Kotak Mahindra Bank Ltd entered into a Business Cooperation arrangement with CIMB Group Sdn Bhd, Malaysia.





Organizational distress may be divided into two major cost categories: direct costs and indirect costs, as summarized in Exhibit 5.1. Direct costs include the loss of an individual through absenteeism or turnover; the results of the poor performance of that individual while in the workplace and the payment of worker compensation awards, health care benefits, and court-ordered awards for distress on the job. Direct costs include broken and disrupted communication between people, poor morale, faulty decisions, and aggression and violence in the work- place. The direct costs of distress are discussed first. In addition to the various direct economic costs of mismanaged stress, there are a number of indirect costs that organizations incur, which also may contributing factors be to previously discussed direct costs. Whereas researcher at the University of Michigans Institute for Social Research, studying the quality of work life, have made notable progress in developing guidelines for many of the direct costs, and the courts can help determine compensation costs, the same sorts of guidelines, procedures, and precedents are not available for indirect costing. The absence of indirect costing procedures does not make the indirect costs any less important for organizational managers and investigators. The absence of such procedures suggests that it may be difficult to trace such costs to develop accurate estimates of their magnitude.




Causes of female and male depression and anxiety might be quite different from each other. It is not known for sure if stress affects men and women differently. Generally, as the two genders often operate in different social contexts, both tend to develop different emotional dispositions and personality traits. Accordingly, their responses and coping mechanisms to stress situations vary. Women Women, in these days, have a lot of balancing to do between home and workplace, including balancing between social and personal requirements. The issues of maternity, menopause, parenthood, gender roles, conditions at home and workplace, familial and social support et al, often blight women`s lives in the long run. Social and Work Stress Sociological researches assert that family structure (working or stay-at-home mothers, and other models) affects performance and employee attendance either directly or interactively. Family demands and family attitudes were found to influence the absence frequency at workplaces. Experiencing a high level of burnout was associated with increased absenteeism if employees had children under six living at home or reported having difficulty with their child care arrangements. There is a strong relationship between social support and mental stress and trauma in women. It relates to a woman`s help-seeking attitude, social networks, kinship networks, and support networks. Besides these factors, adapting to a new workplace culture and reformations tends in job sectors, affects men and women alike.

Men Much of the causes of male depression and stress arise from their self nurtured identities, especially related to their professional status. "If you ask a man who he is, the first thing he says is his workI`m an executive, I`m a doctor, I`m a housebuilder," says Glenn E. Good, an associate

professor of educational and counseling psychology at the University of Missouri, Columbia. "Suppressing feelings and internalizing stress are acquired male traits", says Good, "On some inner level, it comes down to: If I can`t tough it out, then I`m not much of man." Work Stress For men workplace stress can have extreme consequences. In Japan, work stress related suicide rate among men has risen over the last 15 years. According to the Government`s Statistics Bureau, the highest suicide rate occurs in men from 35 to 44 years old, making it the 13th most common cause of death for men. Newspapers carried the triple suicide story in March 1998, when three Japanese menall heads of car part companiestook their lives on the same night. The reason they gave isPoor Company Finances! Uncertainty in workplace can cause high levels of stress. Lack of information or the actions of other people can negatively affect your ability to perform. Causes of uncertainty can be: Not having a clear idea of what the future holds Not knowing where your organization will be going Not having any career development plans Not knowing what will be wanted from you in the future Not knowing what your boss or colleagues think of your abilities Receiving vague or inconsistent instructions



Stress in Public & Private Sector Banks


Flatter organizations, virtual teams and changing employee values mean that today's managers face a rapidly changing environment to work in. There is an enormous pressure on organizations to work in non-traditional environments. In other words, stress is a response of the body to the challenging events or any other events that places a demand on an individual. Globalization is at the center of this. It is one of the big reasons for the stress related to work. Working global means that managers and employees have to work in quite an uncertain environment; have a global mindset and be able with the unexpected. Globalization has also presented the managers and employees of organizations with many challenges. Moreover the concept of globalization has affected both the public and private sectors bank. Therefore, organizations treat this phenomenon very seriously as it directly affects their performance and ultimately their existence. Stress develops when there is a mix of demands and pressures on the person on one hand and knowledge and abilities on the other. Researchers on medical science have identified three components that cause stress. These are job and organization, social sector and intra-psychic sector. Businesses today are always on the change and therefore organizations are constantly on the way out looking for new ways of doing business.

Key Factors Affecting Stress Levels

Stress levels have been long related to job satisfaction. Job satisfaction is connected strongly to wages and salary. Therefore, wages and monetary gains have an important part to play in the assessment of stress levels. While assessing the remuneration and monetary levels in India, it must be noted that India has mostly expatriate labor. There is a strong discrimination in terms of the wages and ultimately the job satisfaction in the public and private sectors.

Comparison of Work Stress

The organizational work stress is dependent on various factors. Managers as well as employees are facing the problems of stress despite changing technologies that have made

lives easy. Many studies conducted over the years have accounted the stress levels of employees in various organizations. Amongst the public sector genre, banks are studied deeply. Studies conducted by our group members concluded that women in the private sector banks are more susceptible to high stress levels than the men. Public sector banks have more room for development and a low attraction in the eyes of the employees. Therefore, the study depicts results suggesting that the stress levels in private banks are more than those in public banks. In India, public sector is also blamed for being lazy in their tasks. Private sectors cannot afford to be complacent and therefore experience higher levels of stress. Women prefer jobs in public sector and government organizations as compared to men due to reasons of low workload and preference in organizations. In India, most of the government aided educational institutes have a majority of women employees. There is a wide preference in terms of job timings in public sector as compared to the private ones. . India especially being a poor country, jobs are not preferred by public sectors. In the urban market, workers are generally younger in the private sector than in the public sector. In terms of other factors, the educational level of employees is more or less same in both the sectors although the public sector again enjoys a slight edge over the private sector. In the formal private sector, there is still a high proportion of illiterate women.



Data Analysis




Q1 From how long have you been Working? Female


10% lessthan one 20% 50% between 1-4 between 4-10 m than 10 ore


5% 25% 30% lessthan one between 1- 4 between4-10 40% m than 10 ore

Q2 Does your Job Involve Stress & Work Pressure? Female


10% Yes No 90%


40% 60%

Yes No

Q3 Did you or your colleagues experience workplace harassment? Female


0% 10% 40% Yes No Rarely 50% Never



15% Yes No

25% 45%

Never Rarely

Q4 If, Yes did your organizational HR policies firmly deal with them? Female


Q5 Do you have Stress Handling Sessions or Seminars in your Firm? Female


0 yes no yes but no tim to e attend them 0%



0% yes 35% 65% no no tim to attend e them

Q6 Do you have Flexible Working Hours? Female


20% 0% yes no only on paper 80%


5% 5%

yes no onlyon paper 90%

Q7 I Do the Jobs myself to ensure they are done properly. Female



yes no



yes no 95%

Q8 I find myself thinking about problems even when I am supposed to be relaxing Female


yes no 90%


20% yes no 80%

Q9 I am unable to perform tasks as well as I used to my judgment is clouded or not as good it was. Female

30% yes no 70%



yes no 85%

Q10 I find that I dont have time for many interests/hobbies outside of work. Female


40% yes no 60%


45% 55%

yes no



Kotak Mahindra Banks effective Stress Management:1) Decrease in absenteeism: -


If employees are provided with appropriate stress management techniques then employees will be less stressed and which will reduce their absenteeism rate in organization. 2) Increases Employee Moral:One of the stress management technique talks about appreciating employees work, giving them proper feedback, etc. now when employees work is appreciated in organization by others it motivates employee to work more harder and give more positive results. Now obviously when employee moral shoots up they give maximum output which benefits organization. 3) Reduces employee turnover:When employees are happy and satisfied with organization and organizational environment it reduces employee turnover rate so that organization can retain excellent talent in their organization itself. 4) Healthy working conditions:When employees are happy with their designation, roles and responsibilities, pay packages there is very chance of employee being stress so it creates healthy atmosphere is organization. 5) Improves communication among employees:In various stress management programmes which are conducted in organization it is said that Managers and supervisor should give clear instruction employees regarding their job i.e. how to perform that job? Whom to report? Etc so even employees have clear idea about their work and misunderstandings are avoided. Now in all these cases organization is indirectly benefited because when employees are happy with his/her job they will perform well and then only organization will be able achieve their targets and goals.




Recommendations to Kotak Mahindra Bank :It's in a manager's best interest to keep stress levels in the workplace to a minimum. Managers must act as positive role models, especially in times of

high stress. All of the tips mentioned in this article are twice as important for managers to follow. If someone that we admire remains calm, it is much easier to remain calm ourselves and vice versa. There are also organizational changes that managers and employers can make to reduce workplace stress. 1. Improve communication: - Share information with employees to reduce uncertainty about their jobs and futures. Clearly define employees roles and responsibilities .Make communication friendly and efficient, not meanspirited or petty. 2. Consult your employees: - Give workers opportunities to participate in decisions that affect their jobs. Consult employees about scheduling and work rules. Be sure the workload is suitable to employees abilities and resources; avoid unrealistic deadlines. Show that individual workers are valued. 3. Offer rewards and incentives: - Praise good work performance verbally and institutionally. Provide opportunities for career development. Promote an entrepreneurial work climate that gives employees more control over their work. 4. Cultivate a friendly social climate: - Provide opportunities for social interaction among employees. Establish a zero-tolerance policy for harassment. Make management actions consistent with organizational values.




Suggestions to Kotak Mahindra Bank

A Small percentage of the employees did have high stress. Person has the facing stress at the organization level is because of physiological problems in form of decreased motivation, absenteeism low productivity target not being achieving etc. so above said employees facing stress are advised to attend stress management courses which will help them to build coping strategies and cause out their stress. The stress management course or programme should comprise of following things:1. Relaxation 2. Positive outlook towards works / responsibilities 3. Self analysis through personality type testes 4. Inter personal skill development
5. Protection yoga cum meditation

6. Time management 7. Counseled regarded the matter


8. At the individual level the employees could practice a relaxing holiday (where in quality time is spent with the family) every fortnight or mouth. 9. Realize excessive use of tea / coffee cigarette is not answer to stress 10.Try to get 6-7 hrs of continuous sleep per day 11.Many tasks can be delegated to subordinates without losing effectiveness so that we can reduce the overload of work. 12.Adopt the work to home transition strategy. It means instead of carrying the pressures of the work to home, the suggestion is to start the unwinding process during the work day and enter the home in a relaxed and peaceful mind. 13.Giving counseling to the employees when they face problems, because counseling is the discussion of a problem that usually has emotional content with an employee in order to help the employee cope within better.



CONCLUSION:Stress is the part of the day-to-day life, which keeps increasing and causing more harms to the quality of life. Hence it becomes essential to reduce the stress. Minimizing the stress not only implies to the organizational but also implies to the environment and to the great extent to their family and its members. From the above survey it is concluded that the level of stress faced by the women is more than men. So here recreation facilities and entertainment has also a great impact on employees welfare to reduce stress. As a consequence of stress employees suffer more of psychological stress compare to physical and behavioral stress. Accordingly The more your management team understands human nature -and how it plays out in the workplace - the more likely you will have a productive, passionate, and committed workforce.







NAME: __________________________________ AGE: _____ SEX: - MALE / FEMALE Q1. From how long have you been working? a) Less than a year b) Between 1-4 years c) Between 4-10 years d) More than 10 years Q2. Does your job involve stress and work pressure? a) Yes

b) No Q3. Did you or your colleagues experience workplace harassment? a) Yes b) No c) Rarely d) Never Q4. If yes, did your organizational HR policies firmly deal with them? a) Yes b) No Q5. Do you have stress handling sessions or seminars in your firm? a) Yes b) No c) Yes but no time to attend them Q6. Do you have flexible working hours? a) Yes b) No c) Only on paper Q7.I do the jobs myself to ensure they are done properly a) Yes

b) No Q8. I find myself thinking about problems even when I am supposed to be relaxing a) Yes b) No Q9.I am unable to perform tasks as well as I used to, my judgment is clouded or not as good as it was a) Yes b) No Q10. I find that I dont have time for many interests / hobbies outside of work a) Yes b) No

Signature of Employee:-________________ Date:-____________