Structured Interview questions will be based on the following points.

1. Based on your Banks credit policy how do you assess that a person requesting
for credit can be your customer?

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2. How do you assess the credit worthiness of the customer?

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3. Payback Capability of the customer.

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4. Sources of verification of the personal & business information provided by the

customer.
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5. Subjective opinion on the factors affecting increase in NPLs.

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6. Which area of banks policy do you find difficult to implement.

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7. Problems in appraising credit request & their proposed solutions.

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8. Pressures faced during the credit appraisal both internal & external

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9. Fate of political loans

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10. SWOT of your banks credit policy

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11. Do you believe that the policy is in compliance to the SBP PRs & only the area to
improve is the implementation part?

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12. Do you think right kind of facility to the right kind of customer will result in
better credit position?

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13. Collateral or Cash Based lending, which one is more viable in our economy.

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14. Method and practice to reduce NPLs.

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15. Views about different banks and their lending procedures.

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16. How do you ensure proper usage of credit/ ensuring proper monitoring for
activity based on loan?

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