Banks control over the allocation of credit increased after reform. Has ownership structure changed significantly after reform? Removal of restriction on the banking activities allowed banks to diversify their portfolio. The macro economic conditions have been stable in Pakistan over last five years. Deregulation stimulated the competition in the banking industry. Banks are not suffering from huge loan losses after new regulation has been introduced. has deregulation liberalised the interest rate? Banks now have better opportunities in channelling the credit. Increased in the number of branches help banks to establish a strong deposit base. Revenue of banks is continuously increasing after reform fully emerged. Banks generate sufficient revenue to meet their obligations. Government intervention in allocation of credit decreased after reform. Non performing loans are still a heavy burden on the industry. Banks return on assets and equity are improved. Banks don’t face liquidity problem in day to day operation in the post deregulation period. Ownership structure is a significant determinant of performance. Diversification of portfolio helps banks to generate revenue from non traditional activities. Deregulation has liberalised the Interest rate, has it increased the supply of deposit. Banks ability to managed illiquid assets with liquid liabilities improves after reform. Have banks achieved economies of scale and scope after deregulation? Revenue of banks increased over five years due to stable macroeconomic conditions. Modern banking skills, management techniques and technology have been introduced after reform. Increased foreign participation changed the competitive condition of banking industry. Is bank profitability highly dependent on the macro-economic conditions. Processing time has decreased due to advancement in technology. Banks have managed to reduce cost of services and products after deregulation. Ownership structure help banks to avoid being vulnerable to takeover Deregulation provided the cross selling opportunities to the banks. Quality, pricing and availability of product improved due to increased competition. In your opinion customers have better opportunities to obtain credit in post deregulation period. Banks are cross selling of products and service to leverage their relation ship with customers in post deregulation. Cost of obtaining the credit has been decreased in post deregulation era. In your opinion Banks use segmentation strategies to target the customers after deregulation. In order to compete banks offer more attractive deposit rates to customers. In your opinion customers have large numbers of channels to obtain credit in post deregulation period. Do you think the quality of customer services improved after deregulation? Are banks branches still the main source to access the banking services? To enlarge the customer data base bank’s offer competitive loan rates. Do banks target every segments of the society ? Banks produce heterogeneous products and service to meet the demands of every segment in the post deregulation. Do customers get benefit of low prices due to high competition? Do staff awareness about clients’ need and wants improved after deregulation? |
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