BANK QUESTIONAIRE

1. BANK NAME

2. PERSON INTERVIEWD:

1. What percentage of the SME loans will get converted into NPAs?
10 and under
10 - 20
20 - 30
40 - 50
50 +

2. Sector wise preference of giving loan? Reason?

Manufacturing industries
Drugs & pharmaceuticals industries
IT industries
Service industries
Others, please specify

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3. Do you prefer giving loans under CGTSME policy or your own bank
policies?
YES
NO

If so why?
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4. From all the SME that approach your bank what percentage of them are
under CGTSME?
10 and under

10 - 20
20 - 30
40 - 50
50 +

5. What according to you are the main reasons for non-repayment of loans by
SMEs?
Willful default
Recession
Lag in time of Disbursement
Diversion of Credit
Other, please specify
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6. How do you assess the credibility of SME if they are not under CGTSME?
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7. What are the risks involved in giving loans to SME not under CGTSME?
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8. Does your bank maintain a one to one relationship with the SME loan
holders?
YES
NO

If not why?
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9. Do you think Government policies influence the banks in giving loans to
SMEs?
YES
NO

Specify reasons
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10.Does economic slowdown and recession effect the lending to SME?

YES
NO

If yes how?
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11.Are there any special schemes or accounts provided by banks which act as
an incentive for SMEs to take credit?
YES
NO

Specify:
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12.Is there any assessment mechanism to know how SMEs use the funds
issued to them?
YES
NO

Specify?
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13. (*)Before the payment of the loan amount if the SME winds up, what are
the procedures followed by banks to recover the amount?
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14.Do you think providing training programs to SMEs for Financial

Management will help in reducing NPAs?
YES
NO

IF yes do you provide such type of training programs?

YES
NO

If No specify reasons
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15.Do you think policies like mandatory quarterly reports will help SME in
improving their performance? If yes is it feasible?
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16.From your part, can you come up with a solution to be provided to SME in
solving their rental issues? (Special accounts, special schemes etc.)
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17.Apart from the above questions would you like to add up some more
information/suggestions?
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