APPENDIX A – QUESTIONNAIRE

BAHRIA INSTITUE OF MANAGEMENT & COMPUTER SCIENCES, KARACHI

”Comparative Analysis of Consumer Financing in Selective Banks of Pakistan”

Name: ______________________ Gender: □ Male □ Female

Designation: _________________ Qualification: □ Intermediate □ Bachelors

□ Masters □
Doctoral
Experience: □ 1-5 years □ 6-10 years □ More than 10 years

Q1. What is the objective of consumer banking?

□ To earn profit □ To Fulfill client’s financial needs

□ To compete with other competitors

Q2. Which category of individuals do you prefer most for consumer financing?

□ Self Employed □ Businessman □ Salaried Person

Q3. What is the target market for issuing consumer loans?

□ Lowers Class □ Middle Class □ Upper Class

Q4. What type of financing is emphasized most by your bank?

□ Personal Loan □ Credit Card □ Auto Loan

□ Home Loan

Q5. Which type of customer do you prefer most for consumer financing?

□ Previous Customers □ New Customers □ Existing Customers

Q6. Which sources influence the consumer banking sector?

□ State Bank □ Industry trend □ Competitor’s offering

Q7. Is your Credit Information Bureau reliable?

□ Yes □ No

Q8. How do you measure customer profile?

□ Repayment Ability □ Liquidity □ Solvency

□ Willingness to pay

Q9. Do you think that variation in interest rate offered by different banks affect
your performance?

□ Yes □ Yes to some extent □ No

Q10. What are the major reasons for defaults on consumer loans?

□ Prudential Regulations □ Internal Policies □ Market Scenario

□ Improper Assessment

Q11. In case of increasing NPL, what is your reaction towards consumer financing?

□ No effect □ Increase Financing □ Decrease Financing

□ Change Policies / Criteria

Q12. What features of the consumer cards (like ATM, Debit Card, and Credit Card)
attract customers?

□ Security □ Convenience □ Acceptability

□ Prestige

Q13. Is it easy to issue Credit cards these days (as compared to two years ago)?

□ Yes □ No