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1. Wellbeing at Work
in the Banking Sector

2. Health, wealth and happiness is the often-touted
mantra for life. But with bankers focused on
managing and creating wealth 24x7x365, where
do they stand on holistic growth? This researched
feature explores the ground reality of employee
wellbeing in the banking sector and the best
practices to ensure sustained productivity.
02

3. Doing well vs being well
India’s banking sector is seeing meteoric growth on the back of
robust demand. According to IBEF estimates, by 2025,
India’s fintech market is expected to reach INR 6.2 trillion. Yet,
according to the latest survey across 250 bankers by Godrej
Interio’s Workplace and Ergonomic Research Cell, both public
and private sector banks need to focus on creating
environments conducive to employee wellbeing.
03

4. Processes have
changed, environments
need to be next
From using pen and paper, to introducing technology like
biometrics and blockchain for safety, or chatbots for customer
support, banking has come a long way in elevating customer
experience. This transition has upskilled employees but also
increased their duress. Bankers now spend long and often
stressful hours multitasking between digital screens on one side
of their desks and sitting across the table with customers who
visit the branch physically for assistance.
04

5. Banks recognize that their future success
hinges on having a healthy and resilient
workforce.
“
Banks that care attract
and retain top talent
Studies show that job seekers are drawn to employers who
prioritise their wellbeing. Reflecting the same sentiment,
businesses are also actively adopting holistic initiatives for
employees that extend to physical, mental, physiological, and
social wellbeing.
05

6. Employee assistance programmes
Preventive medical examinations
Meditation and mindfulness sessions
Insurance and pension plans
Daycare facilities
Ergonomic infrastructure supporting the nature of
the banking job
Rejuvenating spaces to unwind between
multitasking
Correct furniture layout enabling free movement
Awareness programs to encourage employees to
take charge of their own physical health and
wellbeing
Among the handful of banks that our survey found to
have introduced wellness initiatives, these are some
prevalent measures:
For bankers, wellness initiatives can mitigate the
physical stress of sitting for long hours, and the mental
stress of customer expectations, process changes and
technological transitions. Yet, even among the few
banks that do invest in wellness initiatives, the following
essential aspects are often missed:
06

7. Tallying the current score
Our survey explored how bank employees work and handle
pressure, the infrastructure and the 360-degree environment
they work in, as well as the occupational hazards they face.
We also attempted to understand the extent of awareness
among employees about right working postures, work desk
ergonomics, and overall wellbeing.
07
The results revealed that not all banks are measuring up to
the importance of wellbeing, and do not yet have the
necessary resources to foster a healthy work environment.

8. Suboptimal ergonomics
and work environments
impede productivity
While employers aim to facilitate
their workforce with the best, factors
like acoustics, humidity, dim lighting,
and a poorly designed work area
contribute to workplace stress.
Moreover, what severely affects
employee health is a sedentary
lifestyle.
The bank space is limited, and the layout
is incorrect, because of which we get
disturbed while working on something
important
- Satish, Senior Executive at a private bank
“
The chairs provided are uncomfortable
to sit in for long periods of time, because
of which I get neck and leg pain at the
end of the day
- Shubhangi, employee at a nationalised bank
“
08

9. Wellbeing challenges
at banks
09
1. Improper posture
2. Long hours of gadget usage
3. Sitting for long hours
4. Inadequate infrastructure
5. MSDs (Musculoskeletal disorders)
6. Absence of rejuvenating spaces
Some crucial banking functions that impact physical wellbeing
as a result of prolonged sitting periods:
Data processing officers logging extensive data entries
Bank tellers making transactions for long queues of customers
Relationship managers attending to various customer needs

10. 10
Our study reveals that 41% of bank employees work
9 hours a day and 28% work for 10 hours or more.
People adopt sitting postures over stand-
ing and moving around for the dominant
part of the day, resulting in a sedentary
lifestyle
5%
26%
41%
7 hours 8 hours 9 hours 10 hours
or more
28%

11. 11
Prolonged hours of gadget usage observed in bank employees
Screens enable
solutions, but are a part
of the problem as well
Between monitoring real-time data,
facilitating online customer queries and
keeping systems running, banking employees
face prolonged screen time, leading to
physical and mental strain. For employees,
this strain finds expression as eye strain or
headaches. Further, a lack of awareness of
correct postures to adopt at work and a lack
of laptop accessoriesadd to the stress on the
body and aggravate MSDs.
Multiple screens
Smartphone
Desktop
laptop
1-2 hours
1-2 hours
1-2 hours
1-2 hours
1-2 hours
2-3 hours
2-3 hours
2-3 hours
2-3 hours
2-3 hours
4-5 hours
10 hours
10 hours
8-9 hours
8-9 hours
6-7 hours
6-7 hours
8-9 hours
6-7 hours
4-5 hours
10 hours
4-5 hours
4-5 hours
4-5 hours
2-3 hours 4-5 hours 6-7 hours 8-9 hours 10 hours and more
Tablet

12. 12
Accessories of gadgets
and postural errors
In the BFSI sector, managing clients’ accounts and processing
payments mean long hours spent sitting in a certain posture.
This is a gateway to chronic neck and back pain. In such a
situation, it is imperative that employees are equipped with
certain computer accessories to minimise MSDs.
Lack of supporting accessories observed in bank employees
Use head - phones while working Laptop is accessorized with laptop stand, keyboard and a mouse
No
23
16
Yes No Yes

13. 13
Earphones:
When attending continuous customer calls without using
earphones, employees often strain foward towards the
speakers of their machines, causing pain in the neck and
upper back.
Keyboard and mouse:
Some employees do not use keyboards and a mouse,
thereby restricting body movment while sitting close to
the laptop.

14. 14
Research shows that sitting for too
long can have undesirable health
implications.
Sitting for long hours
has adverse health
effects
Tellers handling cash register operations for an endless stream of customers
Customer service executives whose clients take up long hours, preventing
them from completing other to dos on their list
Certain time-sensitive tasks that must be completed on high priority like
clearing checks of VIP clients, and business accounts
While taking breaks is a must for employees, many scenarios
including the following are impediments:

15. 15
Moreover, unaware of the health implications of sitting for prolonged periods, force of habit results in
employees being stationed at a spot, without any breaks, which contributes to strain, stress, and MSDs:
Takes break after how many hours
5 hours and more
4 hours
30 mins
3 hours
2 hours
1 hour
4 %
5 %
5 %
9 %
11 %
5 %
Sit at a stretch to work
5 hours and more
4 hours
3 hours
2 hours
1 hour
14 %
6 %
6 %
11 %
2 %

16. 16
Behavioural and postural inaccuracies observed during
gadget usage is one of the primal causes of the development
of MSD complaints. Depending on the task at hand, employees
tend to make certain postural errors.
Through our study, we identified the 4 most common incorrect
postures adopted by bank employees along with several
postures which can cause health related issues:
Habitual postures that
have serious health
implications

17. 1. Focus Mode: Neck Bent Forward
Looking down on the computer or mobile screen with the neck in flexion and
upper back bent. This can lead to neck and upper back pain.
2. Ready Mode: Seated on the Edge
Sitting on the edge of the chair without any back support, sometimes even
bending forward. Such a posture can lead to back pain.
17

18. 18
3. Float Mode: Feet on Castor Wheels
Feet tucked beneath the chair, foot resting on the leg of castor wheels. This can
lead to knee pain.
4. Shrug Mode: Hunched or leaning Forward
Leaning forward with shoulders raised or bent forward with the back and
shoulders in a rounded C shape. This posture, also called the Kyphotic posture of
the back, can lead to upper back pain.

19. Key to avoiding these incorrect postures is providing furniture
like desk-and-chair arrangements that enable adjustment and
therefore promote good posture. The best time to build this in
and think ergonomics is at the very beginning, or at the design
stage of the workspace. However, just a handful of banks have
actually built ergonomic considerations into their plans at the
initial design stage.
19

20. 20
Most banks
lack ergonomic
infrastructure
With bank employees seated for long hours, chairs are crucial
to cultivating healthy ergonomic postures.
Our study predominantly suggests that even though most
chairs have seat height adjustments, they lack other
crucial ergonomic features.

21. 21
of employees use fixed chairs that do
not support their bodies adequately
13%
Chairs without seat height adjustment options, no armrest,
inadequate lumbar support or absence back-recline features,
breed awkward postures
lack armrest
adjustments
49%
Chairs with fixed armrests mean unsupported elbows and
forearms. Such chairs restrain users from customising the
armrest settings to suit their arm length
still lack back
recline
41%
Non-reclining backrests, when used over extended periods,
often result in misaligned spines

22. Chair features observed in the banking industry
22
18%
51%
49%
59%
41%
13%
87%
82%
Seat height Adjustable armrest Adjustable back
recline
Fixed chair
Yes
No

23. Most banks
lacks ergonomic
infrastructure
23
When it comes to desks, a majority
of banks don’t fare any better.
Cluttered desks with inadequate
legroom below, and the absence of
height adjustments are detrimental
to employee wellbeing.
Height-adjustment capabilities go a long way in aiding good
posture, but our studies found that only a few banks have
them. Standing desks also contribute to deterring MSDs. By
minimising chronic back pain, ergonomic desks can increase
productivity and reduce levels of stress and fatigue.
Several desks also lack space for stocking recurrently used
items, and don’t have enough legroom either. Cluttered desks
impede work efficiency in several ways including hindering the
distribution of important forms to customers.

24. Desk features observed in the banking industry
24
The pedestal storage placed below the
desks in banks results in restricted leg
movements and awkward postures of
lower limbs, straining the lower limb
joint. This strain can lead to hip, knee,
and foot pain. Generally, storage units at
banks are placed near the walls in the
corridor space, which restricts free
movement for the users.
Yes
Desk height
adjustment
Some desk are
height
adjustable
Enough space
on desk
Enough leg
space below the
desk
No
15%
85%
23%
77%
62%
38%
69%
31%

25. 25
Decoding MSDs
in India’s
banking sector
Some common symptoms of musculoskeletal disorders are:
MSDs are injuries that affect the
muscles, nerves, tendons, joints,
cartilage, and spinal discs.
Work-related musculoskeletal
disorders (WMSD) are caused by
an incompatible working
environment and non-ergonomic
infrastructure at the workplace.
Pain Inflammation
Fatigue Muscle atrophy
Swelling Stiffness in joints
Weakness Decreased range of movement

26. 26
The nature of banking work necessitates employees being stationed in one location:
Upsurge in
digitalisation
MSDs
Prolonged
working hours
Improper
sitting postures
Inappropriate
infrastructure
Lack of
postural breaks

27. 27
Surging MSDs
The Workplace and Ergonomic Research Cell at Godrej Interio
analysed the prevalence of MSDs, and certain contributing
factors to the surge of the issue.
We observed that currently, 64% of bank employees suffer from
MSD issues, with women being more affected than men. Key
predispositions include body physiology, dual responsibilities
handled by women, and age. The percentage of people in pain is
comparatively high in the segment of the workforce over the age
of 26, and the numbers continue to rise as they get older,
indicating that age can be a key factor for MSD.

28. Pain areas observed in males and females Age brackets affected by MSDs
28
Pain Single pain area
Males Females
Multiple pain area 21-25 years 26-30 years 31-35 years
Yes No
36-40 years 50 and above
years
57%
23%
36%
17%
69%
31%
66%
34%
62%
38%
20%
50%50%
76%
69%
80%

29. Back pain often results from adopting awkward postures while:
29
The relationship
between postural
inefficiency and MSDs
The good news is that modifying
postures at work can keep MSDs at
bay; what makes it difficult is the
lack of awareness about the issue.
Routine banking tasks can
inadvertently give rise to physical
problems in the long run. Overseeing transactions
Managing client relationships and accounts
Addressing customer complaints

30. 30
Neck pain has become a predominant concern
in banking employees who:
Eye strain and headaches often occur because of:
Constantly pivot between the screen and the client
at their desk
Manage clients at the branch while operating
computer screens placed at an awkward angle at
the side
Adopting incorrect body postures
Maintaining eye contact with the customers
Over 9 hours of screen time a day without necessary
breaks

31. 31
3 primary areas of body pain among bank employees:
Back Neck Eyes
%
Areas
Lower back
Neck
Eye Strain
Headache
Shoulder
Upperback
Itchy eyes
Legs
Knees
Wrist and fingers
Elbow
Heels
69%
62%
59%
59%
49%
49%
41%
31%
26%
23%
18%
18%

32. 32
A lack of rejuvenation
areas in workplaces
may result in mental
burnout and fatigue in
employees
An area earmarked for breaks and rejuvenation, helps prevent
fatigue and mental burnout in the long term. However, there is
a dearth of such spaces in many banks.
Employees in customer interfacing roles, including complaint
resolution on financial matters are in particular need of such
spaces. When clients, themselves under stress, reach out for
resolution, employees must be deferential to them. This can be
very taxing, inducing the need for rejuvenating spaces.

33. Lack of rejuvenating spaces and appropriate infrastructure
Environment observed in banks
33
43%
49%
41%
31%
Yes No
Have staff lounge Have comfortable furniture in staff lounge
felt the light is
too bright to work
15%
employees reported
of being fully stuffy
21%

34. 34
Stressful environments
may trigger errors and
lower productivity
Bankers deal with sensitive financial data and numbers every
day, where the tiniest error can have dire implications. This
necessitates a working environment that enables them to carry
out their work with the concentration it demands.
Specialised zones for focused work, the right illumination,
optimum acoustics and right temperature regulation all
contribute to work efficiency and high cognitive function. An
internal environment that does not support wellbeing proves to
be a hurdle for smooth working.

35. *Lux levels are a standardised unit of light intensity measurement.
Four elements of indoor infrastructure with banks
should be mindful of:
1. Air quality:
The ventilation should be regulated so as to keep the air
quality and flow in control
2. Illumination:
The illumination within banks should maintained between
200-500 lux levels* for computer work
3. Temperature:
When the temperature in office is too hot or too cold, it
affects the productivity of the employees
4. Acoustics:
Installing acoustic panels in walls and ceilings improve
wellbeing as prolonged noise exposure trigger physiologic
stress responses in our bodies
35
Inappropriate lighting for bank employees adds
to the stress of viewing sensitive data and
documents
of bank employees said that
the light is too bright to work
15%
The feeling of stuffiness often arises due to poor
air quality and a lack of ventilation. The
resultant poor indoor air quality gives rise to
indoor pollutants that can cause irritation of the
eyes, nose and throat, headaches, dizziness,
and fatigue
of employees reported
feeling stuffy
21%

36. 36
Wellbeing trends across
the banking sector
Awareness and behavioural
modification must be preceded by
enabling infrastructure. These
factors together underlie the
wellbeing trends in the banking
sector.

37. 37
Having an effective employee wellbeing program in place
ensures:
Better health
Increased productivity
Better retention
Reduced stress
Decreased employee absenteeism rates
A healthy economy needs
a healthy banking system,
powered by productive
teams. To help banks get
started on a planned
wellness journey, we have
identified key trends that
will emerge in the banking
industry as we advance.
The pages that follow
highlight our key findings

38. 38
Reinforcement of
corrective measures
Maintaining a healthy working
environment is the need of the hour.
Certain banks are implementing
wellness-related initiatives to
increase employee engagement,
satisfaction, and productivity.
However, majority of them do not
have wellness initiatives in place,
and the ones that do are not holistic.
Organisations must raise awareness about various aspects of
wellbeing by engaging with employees regularly through
training, emailers, camps, and group activities.
Banks need to reinforce preventive measures like taking
postural breaks, using gadgets with accessories, and being
aware of the right sitting posture while working, to begin with.
A powerful wellness culture that engages employees in
positive ways is the stepping stone to ensuring wellbeing.

39. 39
Physical well-being to
be a shared priority
Physical wellbeing among banking
employees is paramount to the
economy as a whole. Securing their
wellbeing is crucial. Sustained
physical wellbeing at work needs to
be a shared priority between both
employers and employees.

40. Proactive prevention of MSDs:
Identifying risk factors through ergonomic assessments
Implementing a dedicated pre-shift stretching program
Providing training on body mechanics and sitting postures
Encouraging early reporting of fatigue and discomfort
to prevent an injury
Reactive prevention of MSDs:
Adequate rest and systematic approach to addressing pain
Eliminating hazards identified during the ergonomic
assessment
Implementing strategies suggested post ergonomic
assessment
Training for correct sitting postures
40
Assessment
Audit of ergonomics in
workspace
1
Correction
Workspace
improvements
2
Prevention
Employee behaviour
training
3

41. Integrating ergonomics into company culture makes it much
easier to look after employees.
Driving a wellness
culture
41
“Every bank, from small to large, has a
culture. A healthy corporate culture
values each employee in the bank
regardless of his job duties.
“

42. The best learners should be identified after ergonomic posture training sessions and recognised aambassadors
of wellbeing
Short stretch breaks for everyone
Regular monitoring should be done by the wellness champion
Making ergonomics a part of organisation culture:
Appreciation and rewards to foster healthy participation
Company leadership should be the first to adopt and propagate wellbeing best practices
42

43. 43
Enables adopting correct posture, provided the right training on usage
and features is imparted
Allows customisation through adjustments to suit individual body
anthropometry
Curbs physical strain
Improves employee satisfaction and productivity
Ergonomic infrastructure
for a healthy and
productive workforce
Employees need a workplace with
well-planned and ergonomic
infrastructure to keep MSDs at bay.
Assessing aspects like work, physical,
and physiological environments help
banks review the work systems and the
current design of the workplace.
As bankers precariously balance their many roles, ergonomic
furniture can deliver much more than just the primary benefit of
physical comfort:
Having ergonomic features in a chair makes it intuitive for
employees to adopt a good posture.

44. 44
Features of an ergonomic chair best suited for banking employees:
Seat height adjustability
Back recline adjustability
Lumbar support
Armrest adjustability

45. 45
The science behind
selecting the right chair
The chairs to be used by the employees must be determined
after conducting a study of various factors to ensure they are
suitable for the user persona.
Factor that should be considered while selecting a workplace
chair:
Anthropometric (user’s body) dimensions
After conducting an evaluation of the user persona through
the ergometer*, the chairs must be designed by the metrics
of 5th percentile female to 95th percentile male.
1.
*The Ergometer is a device used to scientifically measure body dimensions.

46. 46
The nature of their job
The number of hours spent seated as well as the type of work
being carried out by the users are important considerations.
The nature of work done while seated - from rigid data entry
positions to managerial or executive functions, are all
important in determining the ideal type of furniture required
for each function. Depending on the profile, chairs must be
classified into General purpose chairs, Lounge seating,
Multipurpose chair, among others.
2. Users’ training
Training should be conducted to educate
users about the right adjustments and how
these features can help optimise benefit.
4.
The scope of chair’s integration with the overall workspace
design
The office chair must be considered as part of the overall
workstation environment. If an ergonomic chair cannot match
the workstation height and computer configuration, it may
result in user discomfort.
3.
1 Upper back
Touch points Comfort
determined by
Back height
of chair
2 Lower back Lumbar curve
6 Elbows Armrests
7 Feet Seat height
4 Thighs Seat depth
3 Sitting
bones
(Ischial tuberosity)
Hardness &
contour of
foam
5 Area behind
knees (Popliteal
area)
Seat edge
1
2
3
6
4
5
7

47. 47
Selecting the right chair
is the solution

48. 48
Desk with standard measurements (*OSHA., Height
(range)- 500-720mm, Depth- 447-609mm, Width-
508-528mm) should be considered
Clutter-free leg space to enable movement
Some height-adjustable desks for active working. This
reduces inactivity and increases postural changes while
working from the same location for the entire day
1.
2.
3.
Factors that should be
considered while
selecting a desk

49. 49
monitor mount while handling profiles involving customer
interaction and usage of digital screens simultaneously. This
monitor can be pulled in front of the laptop when it's in use and
pushed away otherwise
Using the right accessories
A laptop stand, external keyboard, and mouse should be used
to accessorise the laptop. Doing so can facilitate
appropriate working postures
Mindfulness about when to use the accessories
During long calls, headphones should be used. This will prevent
awkward upper back and neck posturing while multitasking on a
laptop and mobile phone
Accessorising gadgets
will help decrease MSDs
and improve wellbeing
Placing the screen right
The placement of desktop and laptop
screens with respect to the user's
sitting position is critical. They should
be placed at a distance of 16-20 inches
from the user
Easy to move screens
The screen should be kept in front of
the user. It can be attached to a mobile

50. Healthy minds thrive in
a healthy environment
50
The nature of the tasks undertaken by
various departments in a bank is
multi-faceted. Managers and
customer service representatives
require dedicated spaces with
infrastructure that supports noise
cancellation so they communicate
without disrupting the analysts and
auditors who require silent spaces to
focus.
Banks must cater to the needs of various departments right from
the design stage. A few parameters to keep in mind while
designing healthy banking spaces are:
Introduce sound-absorbing elements in the workplace like partitions to
prevent the noise overflow
Introducing biophilia in the workspace improves cognitive performance
and physical employee wellbeing
Adapting aqua into the workplace in the forms of interactive fountains,
water walls, reflective pools provide a calming effect through visual
stimulation and soothing sounds
Provide regulated ventilation to keep the air quality and flow in check

51. 51
Follow hygiene norms
Healthy minds thrive in
a healthy environment
Additional parameters that banks must consider are:
Optimise light at the workplace as per lux levels*. Bright lights should be
regulated to normal lux levels (for a place with computer usage, 200-500
is the normal range)
Allow mild natural light or ensure additional lighting
Provide a comfortable lounging area including varied seating options like
sofas and pouffes for breaks from a hectic schedule
Add greens and other vibrant colours into the lounge area, other than the
bank's brand colours. Doing so will help the workforce disconnect from
work for a while
*Lux levels are a standardised unit of light intensity measurement.

52. 52
Banks, the epicentre of a nation's financial framework, must ensure good health and
wellbeing of their employees while at work. Prolonged working hours, extended use
of gadgets, inadequate breaks, lack of awareness of right postures while working,
inappropriate infrastructure, and inefficient space design can have a severe effect
on employee health, thereby affecting their overall wellbeing.
Organisations must help teams brace against the potentially limiting repercussions
of bad ergonomics. They must lead by example and foster a healthy working
environment while focusing on supporting employee wellbeing, productivity, and
growth.

53. 53
About Godrej interio Disclaimer
Godrej Interio (GI) is India’s premium furniture brand
in both home and institutional segments with a
strong commitment to sustainability and centers of
excellence in design, manufacturing and retail.
Led by the largest in-house design team in the
country in the furniture category and awarded with
42 India Design Mark Awards till date, GI aims to
transform spaces with its thoughtfully designed
furniture to create brighter homes and offices with
products that have the highest design quotient in
aesthetics, functionality and technology. With
consistent pursuit of excellence and a special focus
on health and ergonomics, GI’s product portfolio
comprises a massive range.
Today, we design and manufacture furniture for
office spaces, homes, educational institutes,
healthcare facilities, laboratories and more. Along
with furniture we offer Audio Visual and 360 Degree
Turnkey solutions. Each of our product range
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solutions. Briefly, Godrej Interio transforms dream
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manufacturing products with lesser environment
footprint. Our pioneering efforts include designing
less environment burdening products, usage of
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and consuming processes, ensuring eco-friendly
packaging and transportation and finally the
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approach to green.
Currently present in over 650 cities with 250
exclusive showrooms and 800 dealers, GI is one of
the largest divisions of Godrej and Boyce Mfg. Co.
Ltd., part of the Godrej Group, one of India's largest
engineering and customer product groups.
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