QUESTIONNAIRE ON NON PERFORMING ASSETS

1.Since how long the branch is functioning?

o O-2yrs
o 2-3yrs
o 3-5yrs
o 5yrs-above
2.According to you what is Non performing asset?
o When an ceases to generate income for the bank
o If the customer do not pay principal & interest for a certain period of time (90 days) it
can be called as NPA
o If periodical income is not generated for lender of money , it is called as NPA
3.Since how long the presence of NPA is observed in your branch?
o 0-1yr
o 1-2yrs
o 2-3yrs
o 5yrs
4.For which category the NPA is being observed?
o Personal loan
o Vehicle loan
o Housing loan
o Agri-term loan
o Others
5.What is the percentage(%) of NPA in your particular bank?
o 1-4%
o 4-7%
o 7-10%
o 10% above
6.What is the trend of NPA in your bank?
o Highly decreasing
o Slowly decreasing
o Constant
o Slowly increasing
o Highly increasing
7.What are the reasons for asset becoming Non performing asset in your Bank?
o Managerial deficiencies during work
o Lack of knowledge of the area of handling
o Lack of timely actions
o Lack of adequate efforts for recovery
o Lack of proper verification of the genuine purpose of loans and advances
8.Measures of recovery of NPA adopted by the bank?
o Legal measures
o Non-legal measures
o Both legal&non-legal measures
o Other-then specify
9.To what extent your bank has been succeeded in converting NPA into Good assets?
o 1%
o 2%
o 35
o 4%
o 55
o Above 5%
10.Do you think any one strategy below mentioned is helpful to reducing NPA?
Securitization of asset (debt)
L egal recovery
o Yes
o No