Appendix

Wolkite University Department of Accounting and Finance

Dear respondents:
The purpose of this self-administered Questionnaire is to gather data relating to the “The
assessment of loan portfolio management: case study in Commercial Bank of Ethiopia.” for
partial fulfillment for the requirement of bachelor degree in accounting. The research will be
conducted to assess loan portfolio management practice at CBE. I feel that your contribution
which means information obtained from you is essential for success of this research. Thus, I
appreciate your cooperation to give me your time for the success of this research. I assure you
that the information to be shared by you will be used only for academic purpose and kept
confidential.
Questionnaire for respondents
Instruction:
Please put (√ ) in the box or/and fill in the blank spaces your possible answer to the
corresponding question and comment on open questions.
I. Personal Details:
1. Gender: □ Male □ Female
2. Age: □ 18-25 □ 26-35 □ 36-45 □ Above 45
3. Your educational qualification
□ 12th complete □ Diploma holder □ Degree holder □ Master and above
4. Your current working position (responsibility) in the bank
□ As Loan Officer □ As Branch Manager □ As Customer R/ship Manager
6. Years of experience in this position
□ 1 up to 5 years □ 11 up to 15 years
□
6 up to 10 years □ 16 up to 20 years □ More than 20 years
II. Loan Portfolio Management
1. Does the bank review its loan portfolio management policy?
□ Yes □ No
2. If your answer to Q no 1 is “yes”, how regularly the bank reviews portfolio management?
□ quarterly □ annually Others specify --------------------------------------------
3. Do you think the loan policy and procedure exactly comply with the regulation of the
National Bank?
□ Yes □ No □ I do not know
4. If your answer to Q no 3 is “No” specify the gap?
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5. Do you think the bank use sound lending criteria and procedure?
□ Yes □ No
6. If your answer to Q no, 5 is “Yes” to what extent do you think the criteria helps to reduce
the loan portfolio risk?
□ very great □ moderate □ low extent
7. Who is responsible to approve the credit proposal of clients?
□ board of directors □ loan committee at all level
□ branch managers Others, specify ----------------------------------------------------
□ loan officers
8. What technique does the branch use in reducing loan default risk
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9. Do you think the bank use effective techniques to identify and measure loan portfolio risk?
□ Yes □ No
10. If your answer to Q no 9 is “Yes, how do you rate the loan portfolio risk of the bank?
□ high □ moderate □ low □ I don’t know
11. What do you think is/are the major reason/s/ for loan portfolio risk in your bank? [you can
answer more than one]
□ lack of follow up
□ lack of training
□ lack of adequate assessment of credit worthiness of customer
others, specify-----------------------------------------------------------------------------------------
12. Is there any action taken in your bank to improve its loan portfolio management in regular
bases?
□ Yes □ No
13. If your answer to Q no 12 is “Yes, specify it?
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14. What challenges does your bank face with regard to loan portfolio management?
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“THANK YOU”