Survey Questionnaire on Credit Risk Management in Banks
Date and Time of Interview
Interviewer Name:
Organization Name:
Respondent Department:
1. In making lending decisions what type risk grading mechanism you are following now?
……………………………………………………………………………………………………………………………………………………………..
2. What type of risk you are considering in the credit risk grading?
a. Financial Risk
b. Business/Industry Risk
c. Management Risk
d. Security Risk
e. Relationship Risk
f. Others (Please Specify)………………………………………………………………………………………………………….
3. Do you consider Environment, Social and Governance Risk factors while making lending decisions?
a. Yes
b. No
4. If you do, then how do you consider it?
Qualitatively
Quantitatively
5. Do you CONSIDER the following ESG Risk Issues in Loan Processing?
Almost Always
5
Sometimes
4
Every Once In a While
3
Rarely
2
Never
1
ENVIRONMENTAL ISSUES
Compliance with environmental , e.g Environmental Clearance Certificate
Project location vulnerability from environmental perspectives
Protection against climate change impacts such as cyclones, storm , floods and droughts
Commitment of the client for environmental management
Provision for solid waste management
Provision for wastewater management such as Effluent Treatment Plan (EFT): industries, sewerage
Provision for handling storage and management of hazardous materials and chemicals
Air emission prevention and control measures
Noise pollution control measures
Fire or explosive prevention and control measures
Provision for genetic resource management ( for pharmaceutical industries)
Provision for Bioethics management (for pharmaceutical industries )
Appropriate measures to control dust pollution
Provision for odour prevention and control
Environmental requirement of the buyer or importer
Periodic environmental monitoring arrangements
Energy and resource consumption
Environmental impacts associated with products and services
Potential for new regulations to have negative impact on product or service acceptability
Potential new markets for environmental services and environmentally friendly products
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
SOCIAL ISSUES
Workshop health, safety and working conditions
Equal opportunity in employment
The use of forced or child labor
Involvement of employees in management
Freedom of association in union/society activities
Profit sharing, performance bonuses and stock option
Caring activities or the employee family and children
Training and development of human resources
Handling of transfer and dismissal
Preparation for retirement of employees
Community relations
Charitable donations
5
5
5
5
5
5
5
5
5
5
5
5
4
4
4
4
4
4
4
4
4
4
4
4
3
3
3
3
3
3
3
3
3
3
3
3
2
2
2
2
2
2
2
2
2
2
2
2
1
1
1
1
1
1
1
1
1
1
1
1
5
5
5
5
5
5
4
4
4
4
4
4
3
3
3
3
3
3
2
2
2
2
2
2
1
1
1
1
1
1
Governance Issues
Board size , structure and composition
Frequency and Quality of Board Meeting
Meeting with stakeholders and proper records of minutes
Disclosure of performance through financial statements
Disclosure of corporate social responsibility (CSR) activities
Audit Committee Structure and independence of auditors
6. Do you think the ESG factors bring new business opportunities?
Yes
No
7. If yes what are those opportunities? (you may please tick more than one)
a. New Product or service development
b. Reaching wider customer segment
c. Collaboration with national , international organization
d. Institutional funding and donations
e. Better credit risk management
f.
Others (Please Specify)………………………………………………………………………………………………………….
8. Is there any other risk, in addition to ESG risk factors mentioned above, that should be considered in
CRM?
Please Specify…………………………………………………………………………………………………………………………………..
Thank you very much for your warm cooperation in providing the above information. You have already
contributed positively toward successful completion of the project.