Questionnaire

“QUESTIONNAIRE FOR INVESTIGATION OF ELEMENTS AFFECTING BANKS PROFITABILITY
AND LIQUIDITY REFLECTED THROUGH FINANCIAL STATEMENT”
A. GENERAL
1. Name of the Bank………………………………………………………………………………………….
2. Address of Bank ……………………………………………………………………………………………
……………………………………………………………………………………………………………………..
3. Person Contacted………………………………………………………………………………………….
4. Designation…………………………………………………………………………………………………..
5. Mobile no……………………………………………………………………………………………………..
6. Email id…………………………………………………………………………………………………………
7. Experience in bank………………………………………………………………………………………..
8. Turnover of bank (last 5 year branch)……………………………………………………………
9. Profit of bank (last 5 year branch)…………………………………………………………………
10. Liquidity of bank (last 5 year branch)…………………………………………………………….
11. Board of directors………………………………………………………………………………………….
12. Organisation structure…………………………………………………………………………………..
………………………………………………………………………………………………………………………
………………………………………………………………………………………………………………………
13. Branch India……………………. Urban……………………………..
Abroad………………… Rural………………………………..
14. ATM………………………
15. Credit card……………………….
16. Debit card……………………………….

B. MANPOWER(EMPLOYEES)
1. Kindly provide information about manpower
Year Males Females Total
2010-11
2011-12
2012-13
2013-14
2014-15
2015-16
2. Distribution of employees
Description %
Manager
Senior staff
Assistants
Junior staff
Attendants
3. Our recruitment process is highly professional
4. We have hired competent staff at all important areas
A NA SNA CAN’T SAY
SA
SA

5. Our staff is highly motivated
6. Productivity of our staff is rising
7. We provide continuous trainings to staff
8. Training has benefited all the employees
9. We have in house training facilities
10. We outsource some work
11. HR department has contributed to good employee team work
12. There is shortage of competent staff in the bank
SA
SA
SA
SA
SA
SA
SA

13. Bank can be rated as highly efficient
14. Employee disputes/conflict are rising
15. Good employees can contribute to bank profitability
C. PRODUCTS/ SERVICES
1. We provide same products and services as provided by all the banks
2. We provide fee based services
SA
SA
SA
SA
SA

3. We developed letter products and services than other banks
4. We provide large variety of financial services to customers
5. We have innovative products in the area of insurance
6. We have innovative products in the field of mutual funds
7. We have attractive housing loan schemes
8. Our loan procedure is quick and transparent
9. Financial decision are taken by top management/ executives
SA
SA
SA
SA
SA
SA
SA
SA

10. We have introduced many new products in the last 5 years
D. LOAN/RECOVERY/NPA
1. Our loan system is simple and transparent
2. Our loan recovery is excellent
3. Our NPA are rising
4. We have efficient system of financial management
5. There is problem of NPA due to poor working
SA
SA
SA
SA
SA
SA

E. BRANCHES/EXPANSION/CONSOLIDATION
1. We have opened many branches in the last 5 years
2. We have more branches in the urban areas
3. Our all branches are profitable
4. We have stopped more branches as it is not profitable
5. There is good co-ordination between head office and branches
F. TECHNOLOGY
1. All banking operation are computerised
2. We use latest technology in bank
SA
SA
SA
SA
SA
SA
SA

3. Technology has benefited in rising profit and lowering cost
4. We have outsourced marketing work on technology to third party
5. Only big banks can use latest technology
G. RESERVE REQUIREMENTS /CAPITAL RESERVE RATIO/ STATUTORY LIQUIDITY RATIO
1. Reserve bank of India monetary policy affects bank profitability
2. Fall in SLR has benefited banks in advancing more loan
3. Charges in bank rate/ repo rate affect our profitability
4. We borrow from RBI only
SA
SA
SA
SA
SA
SA
SA

5. Compliance with RBI norms is good for our working
H. INVESTORS/ STOCK PRICE/ ASSETS/ INVESTMENT
1. Our stock price is rising rapidly
2. We have more and more investors in bank schemes
3. Our assets are rising over the period
4. Bank has very strong finalisation
5. There is rapid rise in depositors in bank
I. PROFITABILITY/ CREDIT SYSTEM
1. Bank gross profit is rising rapidly
SA
SA
SA
SA
SA
SA

2. Banks net profit is rising rapidly
3. Return on investment is rising
4. Banks better financial performance is an indication of better financial decisions
5. Banks profitability is well comparable to the top other banks
J. OTHERS ( MISCELLANEOUS)
1. Growing competition in banking sector has adversely affected our performance
2. Higher employees cost is affecting banks efficiency profitability
3. Central banks regulation like priority sector lending has affected banks liquidity
as well as profitability
SA
SA
SA
SA
SA
SA
SA

4. Technology has helped banks to do better business
5. Do you think that bank can perform better in terms of liquidity and profitability if
(suggestion to be taken)
…………………………………………………………………………………………………………………………..
…………………………………………………………………………………………………………………………..
…………………………………………………………………………………………………………………………..
……………………………………………………………………………………………………………………………
……………………………………………………………………………………………………………………………
Thank you
SA
SA

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