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Gujrat & Gujranwala Fan Cluster

Survey
For Information of the State Bank of Pakistan

To be filled in by regional branches of Commercial Banks present


in
Gujrat, Gujranwala and Wazirabad

Form Id: {PLEASE LEAVE BLANK}

Name of
Bank:____________________________________________________________________________
_

Regional
Branch:____________________________________________________________________

Branch
Address:____________________________________________________________________

Name of Branch
Manager:____________________________________________________________

Contact for Branch


Manager:__________________________________________________________

Today’s
date:_______________________________________________________________________

The Survey Form is to be filled and submitted in soft form. The form is 5
pages in total including cover page.

There are a total of 48 questions. Please use as much space as required


to fill complete responses in the allocated answer box.

1
Question Response
1. What is the staff size
(professionals) of your branch?
2. What is the total number of
customer accounts held by your
branch?

2.1 How many of these accounts


belong to fan industry?

2,2 How many of these fan


industries are exporting?
3. What is the percentage split of Current:______(%)
total accounts in terms of ‘type’? Current in PKR:_____________(%)
Current in FC:______________(%)
Export Accounts:___________(%)
Savings:_______(%)
Credit:________(%)
Credit (personal): ________(%)
Credit (Running Finance):______(%)
Credit (long term finance):______(%)

3.1 What is the percentage split Current:______(%)


of ‘Fan Industry’ accounts in Current in PKR:_____________(%)
terms of ‘type’? Current in FC:______________(%)
Export Accounts:___________(%)
Savings:_______(%)
Credit:________(%)
Credit (personal): ________(%)
Credit (Running Finance):______(%)
Credit (long term finance):______(%)
4. What is the rate of interest Current Account:
paid and charged on each of Maximum Rate (%):
these accounts? Minimum Rate (%):
Average Rate (%):

Savings Account:
Maximum Rate (%):
Minimum Rate (%):
Average Rate (%):

Savings Account (Time Deposit):


Maximum Rate (%):
Minimum Rate (%):
Average Rate (%):

2
Credit/loans Account (personal):
Maximum Rate (%):
Minimum Rate (%):
Average Rate (%):

Credit/loans Account (business


running finance):
Maximum Rate (%):
Minimum Rate (%):
Average Rate (%):

Credit/loans Account (business long


term finance):
Maximum Rate (%):
Minimum Rate (%):
Average Rate (%):
5. How much fee do you charge
for opening new accounts?
6. How much do you charge for
issuing cheque books?
7. How much do you charge for
drafts and other payments?
8. How much do you charge for
foreign remittances?
9. How much do you charge for
LCs?
10. How much do you charge
when customer uses ATM cards to
check balances or print minim
statements?
11. Do you treat business and Yes = 1
personal accounts differently? No = 2
12. If yes to 11 explain the
difference?
13. Are the targets of your branch
geared towards attracting
personal accounts or business
accounts?
14. What types of accounts you
prefer; business or personal and
why?
15. What is the total size of
lending/credit portfolio of your
branch?
16. What % is the lending/credit
portfolio of total deposit base of
your branch?
17. What is the total lending (in
PKR) to fan industry?
18. Name the Ten most
active/large fan industry accounts
managed by your branch?
19. State the purposes for which

3
fan industry normally requests for
running finance?
20. Provide the range of running Maximum Facility: PKR_______________
finance facilities provided by your Average Facility: PKR_________________
branch to fan industry? Minimum Facility: PKR________________
21. What are the 5 key things you
look in a fan industry when
deciding to extend a running
finance facility?
22. What are the 5 key problems
that you face when extending a
running finance facility to a fan
industry?
23. Are you engaged in any way
in building capacity of the fan
industry to provide better
financial information?
24. Has any of your fan industry Yes = 1
accounts defaulted on a running No = 2
finance facility in the last 10
years?
25. If Yes to 24, state the amount
of default and reason for default.
26. What is the average
utilization rate of running
finance?
27. Do the bank monitor if
running finance is being used for
the stated purpose?
28. State the purposes for which
fan industry normally requests for
long term finance?
29. Provide the range of long Maximum Loan:
term finance provided by your PKR_______________
branch to fan industry? Average Loan: PKR_________________
Minimum Loan: PKR________________
30. What are the 5 key things you
look in a fan industry when
deciding to extend long term
finance?
31. What are the 5 key problems
that you face when extending
long term finance to a fan
industry?
32. Has any of your fan industry
accounts defaulted on a log term
loan in the last 10 years?
33. If Yes to 32, state the amount
of default and reason for default.
34. What is the average
utilization rate of long term
loans?
35. Do the bank monitor if long

4
term loan is being used for the
stated purpose?
36. How well do you know your 1. Not very well
clients in fan industry? 2. Reasonably well
3. Extremely well
37. Has the policy of ‘centralised
credit processing’ enhanced or
reduced your branch’s ability to
provide easy lending to SMEs in
particular fan industry?
38. Do you agree with a policy
that loans to SMEs for up to PKR
2.5 Million should be handled at a
single window offered through
regional branch without the need
to go through central processing?
39. What is the financial cost of
processing a SME loan at your
bank?
40. What is the average duration
of processing the loan?
41. What are 5 key documents
that you ask for from SMEs
applying for credit?
42. What can be done to build
capacity of SMEs to be able to
better provide these documents
and information?
43. If it is impossible to get
reliable balance sheet data what
other information may assist you
in making an informed decision of
providing credit to SMEs in
particular fan industry.
44. What role can PEFMA (fan
manufacturers association) play
in enhancing information flow
between banks and fan industry
to assist better provision of
credit?
45. What do you feel are the 5
biggest regulatory constraints
impeding SME credit where State
Bank can intervene and bring
about regulatory changes?
46. Has your bank worked on any
non-traditional credit product for
SMEs?
47. In your opinion what is the
average profitability of the fan
industry?
48. Please provide (without Take as much space as required
naming) the credit/loan account

5
transactions for 5 of your largest
fan industry accounts (include
both running finance and long
term finance) over last 5 years.

We would like to Thank You for taking out time to fill in the above survey form.

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