Sr Questions (Market Interest)SDDANAGSA

1The loan approval process requires borrower repayment capacity and loan affordability to be assessed12345

2The loan approval process does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for sound risk management.12345

3Credit approval policies give decision makers explicit guidance regarding borrower debt thresholds and acceptable levels of debt from other sources12345

4The financial institution avoids increasing debt levels of borrowers who are already indebted beyond their capacity to repay, avoiding re-financing the loan at a higher amount, and adhering to a standard protocol for debt re-structuring12345

5The financial institution offers multiple loan products or flexible ones that address different business and family needs. The organization ensures product suitability through careful product design and testing with the target market12345

6Prices, terms and conditions of financial products are fully disclosed to the customer, including interest charges, insurance premiums, minimum balances required on savings and transaction accounts, all fees, penalties, and whether those can change over time12345

7Advertisements and marketing campaigns clearly communicate complete and accurate descriptions of the product or service12345

8Advertisements reflect the product that the customer can reasonably expect to receive and the full price that the customer can expect to pay.12345

9Interest rates on savings, fees for account maintenance, minimum balances required, and terms and costs of transaction accounts are provided.12345

10Customers are given adequate time to review the terms and conditions of the product and have an opportunity to ask questions and receive information prior to signing contracts12345

11The client regularly receives clear and accurate information regarding the account.12345

12Balances are correct, recorded regularly, and investigated for discrepancies in a timely manner12345

13Promises of future benefits, discounts, and privileges are kept.12345

14management taken steps to ensure that the board of directors has an adequate understanding of the current and potential impact that interest rate risk may have on the banks condition12345

ProfitabilitySr. Questionnaires SDDAN AG SA

1To the maximum extent, the loan approval process is favorable for bank.12345

2Bank provides different products to their customers, each product give the same output as mentioned in manuals and brochures 12345

3Credit approval process is the major sources of income of the Institute.12345

4While lending to other financial institutions, all of the required procedure are followed properly as according to the SBP regulations.12345

5Complete information about assets and liabilities of indebted individual or institution and repaying ability on fix time adds the banks earning output.12345

6Over relaxation or loose conditions in repayment process cause the debtors to delay in returning installments and low profitability of the institute in the end 12345

7High collaterals are not easily available by the debtors. Thats why the collateral also cause decrease in credit approval process.12345

8Superior quality of insiders, correct management decisions and regular overview of services take a big part in maximizing the earnings of respected financial institute.12345

9More achieved target profits than actual profits shown in the balance sheets and income statement of banks also serve another tool of raising banks trust resulting increasing investments of banks.12345

10Consumers trust on public sector is more than private banking sector irrespective of the rate of interest in all types of operations of institute.12345

11There is a strong relationship among service efficiency and profitability efficiency and the measure of service quality like reliability, responsiveness and assurance are kept under consideration.12345

12Capital strength of bank is of crucial importance of profitability and lowering the risk and increasing the performance of bank.

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13Effective CRM leads to better customer experience which gives strong growth and this loyalty increases the profitability.

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14Flexible interest rating policies gives strong profitability 12345