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Purpose
Questions?
If you require assistance in the completion of this questionnaire or have any questions regarding the
survey, please contact:
Baibhav
Ph.D. Scholar
Gujarat University.
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Demographic Details
Designation: ____________________________________
Banking experience <10 Years 10-15 Years 15-20 Years >20 Years
Credit Risk Management
Place Tick mark (√)on ONE response for each item based on your perceptions with reference to
your banking environment.
There a well -established mechanism in your banks to deal with various types
of risk
There a separate statement of principles and objectives with respect to Risk
Management in Your Bank?
Roles and responsibilities of the various functionaries of the bank are clearly
defined by the policy
The management monitoring implementation of policy and making necessary
adjustments
Management set limits for acceptable level of various risks
Risk management structure support the swift and smooth flow of information
from operational level to top management
Bank have RAROC framework for Risk Pricing
Management of the bank have different credit limits for clients from different
sectors and industries
The policy provide details about loan pricing strategy efficiently
Bank have policy containing ways and means for quantitative measurement for
credit risk
Bank have any internal credit risk rating system which is used for credit
approval and follow up monitoring
Number of bad loans on the part of highly rated clients nil or few.
Bank have separate Credit Risk Management Committee to oversee credit risk
management function and compliance of credit risk policy
The bank ensure that there is rational delegation of powers to approve the
loans and that those are followed effectively as per management
policy
Bank have a separate stressed assets management function for problem loans
Does the bank have pre and post disbursement audit system for credit facilities
including SMEs
There is mechanism for exceptional reporting to the senior management
Bank Complied manuals for credit evaluation and approval and are the
manuals periodically reviewed and revised.
The credit administration function ensures Completeness of documents
including guarantees, receipt of collateral with EM, approval of exceptions,
safe custody of security documents before credit disbursement
Bank perform its own independent analysis and review in case of syndicate
loans
There is an early warning system to alert the bank about the loans going to be
NPA
Before sanctioning the loan the bank analyze the KYCs and financial
statements of borrowers to appraise the amount and timing of cash flows
Bank confirm the usage of borrowed funds through financial statements
analysis or other sources after disbursement
Bank have an automatic calling system to request customer payments
Bank Periodically carry out on-site inspection/ survey of the collateral held
as security
Before sanctioning loan bank gather information on borrowers' credibility
from other sources
Bank periodically re-appraise real estate held as collateral and monitor its
value against outstanding credit
Bank have a good understanding of borrowers' source of repayment