| Value | Category |
|---|---|
| 1 | Bank’s reputation (fame) and its reliability |
| 2 | View of the bank office and qualifications of its personnel |
| 3 | Credit interest rate and the credit cost |
| 4 | Gifts and advertising campaigns |
| 5 | Without collateral |
| 98 | I cannot estimate it even roughly |
| 99 | No answer |