Annexure - 1

QUESTIONNAIRE FOR URBAN COOPERATIVE BANK IN

MARATHWADA REGION

FINANCIAL ANALYSIS OF URBAN CO-OPERATIVE

BANKS IN MARATHWADA REGION

1. District: Taluk:

2. Date of Establishment:

3. Name of the Highest Authority in the Bank:

4. Education and Age of the H.A in the Bank:

5. Who supervises day-to-day operations?

6. Level of Computerisation:

(i) Fully (ii) Partial (iii) Nil

a) When did it start?
b) How many Computers are there?
c) What are the functions for which computers are used?
d) Whether computer personnel are trained?
e) Where were they trained?

7. Owned Building: (i) Yes (ii) No

8. What is your Employees Recruitment procedure?
9. Number of employees
a. Permanent
b. Temporary
c. Daily basis
10. Did the Bank conduct any Training Programmes?
(a) Name of the Training
(b) Nature of the Training
(c) Duration and Year
11. Nature of Loans issued

Details of Purposes (For the past Ten years)

12. How the lending rate is decided?

13. Who decides the lending rate?

14. Give details of existing borrowing and lending rates:

Sources of borrowing Interest rate Types of lending Interest Rate

1.
2.
3.
4.

15. Membership particulars

Growth of Membership (10 Years)

16. How Dividends are distributed?

17. Give details of assets and liabilities of the Bank

Details of Assets and Liabilities (For the past five years)

18. What are your administrative costs?

Salaries
Building
Bonus
Housing
Power
Telephone Any
other expenses

19. What are the reasons for NPA?

20. Details of the employees
Date of
Designation M/F Age Caste Nature of Appointment
Appointment

Taken Where Nature

Computer Nature of
Edn.Qln. Coop was of Pay/Month
Knowledge Duties
Training Trained Training

21. Details of the Board of Directors:

Date of Date of
No of
Name Design Age Edn. Profe. Joining Becoming
Shares
Bank Board Member
22. Who are the Government Representatives?
Sl Name Designation Duties
1
2
3

23. Do they attend the Board Meeting?

24. What are their Responsibilities?

25. Are there any changes in the operation of the bank in recent times?

26. Are you facing competition from the commercial Banks?

27. How are you able to cope up with the increasing competition in the economy?

28. Bank strategy to face competitions?

29. Operational area- whether only your taluk or other taluks also?

30. Any other information-details.

 Annexure - 2

QUESTIONNAIRE / SCHEDULE FOR THE FIELD SURVEY

FINANCIAL ANALYSIS OF URBAN CO-OPERATIVE

BANKS IN MARATHWADA REGION

1. Name of the Beneficiaries :

2. Profession :
3. Residential Address :
4. Particulars of family members:
Name Sex Age Education Marital Occupation
Status

5. Asset Particulars:
Assets
Land (Site)
Building
Others

6. Assets other than Land.

a) House: Owned/Rented
b) Tiled & Cemented

7. Details of Income last four years status

Income 2009-10 2010-11 2011-12 2012-13
8. Savings and Credit: In the Year 2012-13
Place of Savings Who saves Amount Frequency

9. Where do you prefer to shop? Please give ranking:

a.
b.
c.
d.
If others, please specify

10. Are you visiting urban cooperative bank for the purpose of
a.
b.
c.
d.
e.

11. Number of people accompanying you while visiting UCB

a.
b.
c.
d.
e.
12. Loan Particulars:
Interest
Types of Loan Prefer Date & Year Amount
Rate
1.
2.
3.
4.

13. Number of Beneficiaries visit to the UCBs in different years

Year Number of Beneficiaries Visit
2010
2011
2012
2013

14. Purpose of Visit to the UCB

a. b. c.

15. Number of persons accompanying with you while visiting UCB

Number of Accompany Please Tick
Up to 2
2 to 4
4 to 6
More than 6

16. Frequency of visit to UCB

Frequency Visit Please Tick
Daily
Weekly
Monthly
Need based
17. Time spent by you in UCBs
Time Spend at UCB Please Tick
Less than Half an hour
Half an hour to 45 min
Half an hour to one hour
One hour to two hours
Two to three hours
More than three hours

18. Reasons for preferring UCB

Reasons for Prefer UCB Please Tick
Easy procedure
For Pleasure
Availability of various types of loan
Low Rate of Interest
Convenience

19. Rate of Interest Comparison

Interest Comparison Please Tick
High
Moderate
Low

20. Perception about the various types of loans lending by the UCB
Perception Please Tick
Excellent
Good
Average
21. Are you happy with UCB? Yes/No
22. Urban Cooperative Banks are the best place to borrow the loans
UCB Best Please Tick
Strongly Agree
Agree
Disagree
Strongly Disagree
23. UCBs Enhance the Value, Image and Satisfaction
Particulars Please Tick
Strongly Agree
Agree
Disagree
Strongly Disagree

24. Reasons for attracting by UCB

Particulars Please Tick
More Schemes/choices
Less formalities
Reasonable Rate of Interest
Easy Repayment
Good Services

25. What is your opinion about the Interest

Particulars Please Tick
High Interest range
Moderate Interest range
Low Interest range

26. Are you aware rate of Interest other than UCBs? Yes/No
27. Are you recommending others to borrow at UCBs? Yes/No
28. Are you satisfied with the terms and conditions of the loan? Yes/No
29. Do you think that UCB always enhances the value, image and satisfaction of
the borrower.
a.
b.
c.
d.

30. Beneficiaries are attracted to shop in UCB because of its

a.
b.
c.
d.