Gender of the Respondents
Age group of the respondents
Education level of the respondents
Period spent with the bank
Restructuring procedures require a relatively long period of time before achieving recovery
Liquidations and restructurings differ in duration and in the average share of loans backed by guarantees
Non-performing loans are mainly managed through transfers to third parties or by special internal units.
Banks’ organizational structures for managing non-performing loans appear to be diversified.
The significant impact of managing non-performing loans on banks’ costs is also affected by the lack of efficiency of legal procedures.
Banks pointed out that the main obstacles to efficient credit recovery are the backlogs in the courts and the complexity of procedures.
There are professional fees and difficulties in coordinating with non-financial creditors
Most of the loans are guaranteed with valuable items
Our bank is managed and run by professionals with high integrity
There is thorough assessment of clients before giving out loans
Board members are subject to annual election by all shareholders
Non-executive board members have a formal session without executives once a year
Company discloses a code of ethics for senior executives
Company discloses its corporate governance policies or guidelines
Board or a committee is responsible for CEO succession planning
Company has not failed to adopt the recommendations of a shareholder proposal
All executive board members own shares after excluding options held
All non-executive board members own shares after excluding options held
Company has a separated chairman and CEO
All members attended at least 75% of the board meetings
Our bank prepares clear, concise financial statement according to relevant accounting standards
Our bank discloses its financial polies for evaluating assets and liabilities
Our bank provides comprehensive and meaningful notes to explain the numbers presented in financial statements
Company is not currently under investigation for accounting irregularities
Our bank practice segment reporting to show the performance of different segments
There is transparency in disclosing transactions in our bank.
There is timely reporting in our bank
Management discussion and analysis section is catered for in preparation of financial reports
Vote results for the last shareholder meeting are disclosed within 14 calendar days
All common or ordinary equity shares have one-share, one-vote, with no restrictions
The company provides confidential voting with no or with reasonable exceptions
Shareholders have a right to convene an EGM with 10% or less of the shares requesting one
Shareowners have a right to act in concert through written communication
There is equal treatment of all shareholders of the bank
Shareholders participate in the approval of major transactions
Shareholders have received dividends as per the bank policy
Shareholders are given right to nominate directors
The shareholders are given right to request additional information and clarity from the bank
There is independence of compensation committee from the directors
The Bank normally discloses the compensation policy to shareholders
There is mixture of board compensation components.
The bank has put in place equity ownership guidelines to determine who should be a director in terms of number of shares
Goals used to determine incentive awards are aligned with the company's financial goals
CEO/Managing Director does not sit on the remuneration committee
Remuneration committee is wholly composed of independent board members
The bank operates performance based compensation when renumerating directors
Additional compensation is normally given to directors who chair key board committees
The board members normally receive annual retainer for their services rendered
Our bank Interest rates are reasonable
Our bank charge different interest rate
The interest rate of our bank remains fixed throughout the loan period
I am informed by the bank the prevailing interest rates of different loans before borrowing
I am kept in the loop by my supervisor
I am finding difficulties in paying the interest charged on the loan
I am rewarded/recognized whenever I pay the loan principal and interest rates on time
I am willing to share the benefits I got from paying my loan on time
I believe the loan department listens to my suggestions on the interest rates
I can arrange my payment schedule to meet my loan repayment targets
Standardized Predicted Value