Toxic and an unorganized working environment. Heavy workload due to low manpower and large employee turnover, which was due to the faulty compensation structure of the overall bank (low base salary, low annual raises, new hires getting higher salaries than tenured and experienced employees). Add to that the problems of gossiping, backbiting, ineffective middle management and officers being unproductive, wasteful of their time, and having attitude problems (lots of insecurities and personal problems). Lots of 'irregularities' and 'funny stuff' by upper level management (if you know what I mean). Promotion is also slow as the HR department is so inefficient that training / seminars are delayed, too much bureaucracy, processing of simple papers and stuff takes so long (believe me, takes around 6-mos to 1 year just to process a simple change in job level, like from Junior to Senior)