QUESTIONNAIRE

(To the Employees, Customers, Deposit Holders of Public Sector Banks & Private
Sector Banks in Bangalore)

I shall be grateful if you could please spare a few minutes of your precious time in
filling up the following questions. The information provided by you will be used for
compiling thesis and will be treated in strict confidence and will not be disclosed to any one.
The information revealed here is used for thesis work Ph.D.

Objective : To obtain data for compiling factors this contributes in Ph.D Work.

Dear Sir / Madam,

1. Name (Optional) :

2. Address and Phone No. :

(Optional)

3. Do you have account in Public Sector Bank Private Sector Bank

4. Specify the name of the Bank

5. Age (Optional) :

6. Sex : Male Female

7. Occupation :

8. No. of years in Service : 0-5 years 5-10 years

10-15 years 15 & above N.A.

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9. Please rate your satisfaction level in terms of the following,

 Public Sector Banks  Private Sector (only for employees)

Banks

Satis Un-satis Not

Particulars Good Fair Poor
factory factory Applicable

Salary

Training (R & D)

Perks

Working conditions

Promotions

Job Satisfaction

Others (Specify)

10. How do you rate the customer satisfaction in terms of products & services rendered by
Public Sector Banks (VS) Private Sector Banks?

Public Sector Banks Private Sector Banks.

Products & Services
E G F B P E G F B P

(1) Deposit Schemes

(2) Advances

(3) NRI Services

(4) Franchising

(5)Senior Citizen Benefits

(6) Tenders

(7) Locker Facility

Note : - a) E – efficient c) F – fair

b) G - good d) B – better e) P-Poor

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 E G F B P E G F B P

(8) Internet Banking

(9) Core Banking

(10) Mobile Banking

(11)Government Accounts

(12) Others Specify

Note : - e) E – efficient g) F – fair e) P - poor

f) G - good h) B – better

11. Preference of Interest rates on,

Public Sector Private Sector

Products
Banks Banks.

Fixed Deposits

Term Deposits

Saving Bank A/c

Current A/c

Recurring Deposit A/c

Give reasons :

1. 4.
2. 5.
3.

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 12.
Which Bank you prefer to Borrow,

Types of Loans & Advances Public Sector Banks Private Sector Banks.

1) Personal Loan

2) Housing Loan

3) Education Loan

4) Vehicle Loan

5) Corporate Loan

6) Other (Specify)

Give reasons :

1.

2.

3.

4.

5.

What is your opinion on Credit Appraisal of its customers in respect of Loan

13.
Sanctioning?

Public Sector Banks Private Sector Banks.

Types of Loans & Advances
Satis Satis
Good Poor Good Poor
factory factory

Short Term Loans & Advances

Personal Loan

Housing Loan

Education Loan

Vehicle Loan

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Corporate Loan

Other (Specify)

14. According to you the BASEL Norms impact capital Structure of the bank.

True False

15. Compare the Interest rates for Deposits, Loans and Advances.

Public Sector Banks Private Sector Banks.

Products High Moderate Low High Moderate Low

Deposits

Loans

Advances

Rank the Performance of the Banks

16.
1 to 5 where 1= Highly Satisfied, 2= Moderate, 3 = Low, 4 = Poor, 5 =Worst

Particulars Public Sector Banks Private Sector Banks.

NPA ISSUES

BASEL NORMS

CAMEL RATING

Market Share

17. Indicate growth rate from previous 5 years, (only for employees)

Public Sector Banks in %

Private Sector Banks in %

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 What are the Trust or Key areas you would recommend the Bank to increase its
18.
Business & Profits.

Particulars Public Sector Banks Private Sector Banks.

1) Retail Banking

2) Corporate Dealings

3) Loans

4) Advances

5) Underwriting

6) Merchant Banker

7) Other (Specify)

What improvements would you suggest SBI and ICICI in respect of speeding the
18.
service for enhancing profitability of the Bank.

Particulars Public Sector Banks Private Sector Banks.

(1) Quick Services

(2) More Branches
(3) Collateral Securities
(4) Speeding operations
(5) Business process Re-
engineering
(6) Total quality Management
(7) Fund Management
(8) Cash Management
(9) Others (Specify)

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 According to your experience which Bank has achieved its target towards achieving
19. more Returns on Assets (ROA), Return on Capital Employed (ROI),
Return on Equity (ROE). (only for employees)

Particulars Public Sector Banks Private Sector Banks.

ROA

ROI

ROE

Whether you had experienced inadequate liquidity of the said Bank in respect of
20.
withdrawals.

Public
Sector Yes No
Banks

Private
Sector Yes No
Banks.

21. What is the process of fund Management in Banking Business? (only for employees)

Particulars Public Sector Banks Private Sector Banks.

Investment in Mutual Funds

Multiplying Interest Amount

Investment in Stock Market

Others (Specify)

According to you what is the process of Managing NPA’s in the said Banks. (only for
22.
employees)

Public Sector Banks

Private Sector Banks.

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23. Comment on recent Financial Performance & Position of the said Banks, with reasons
(only for employees)

Public Sector Banks

Private Sector Banks.

24. As Per your opinion Basel Norms will affect the financial position of the bank.
(Only for employees)

True False
25. As Per your opinion CAMEL MODEL will affect the financial performance of the bank.
(Only for employees)

True False

Note: -
1. Kindly fill all the information.
2. Tick where ever necessary.
3. Give specifications short and neatly.

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