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Does bank ownership affect relationship lending: A developing country perspective

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dc.title Does bank ownership affect relationship lending: A developing country perspective en
dc.contributor.author Rahman, Ashiqur
dc.contributor.author Belás, Jaroslav
dc.contributor.author Rosza, Zoltan
dc.contributor.author Klieštik, Tomáš
dc.relation.ispartof Journal of International Studies
dc.identifier.issn 2071-8330 Scopus Sources, Sherpa/RoMEO, JCR
dc.date.issued 2017
utb.relation.volume 10
utb.relation.issue 1
dc.citation.spage 277
dc.citation.epage 288
dc.type article
dc.language.iso en
dc.publisher Centre of Sociological Research
dc.identifier.doi 10.14254/2071-8330.2017/10-1/20
dc.subject Bangladesh en
dc.subject Bank financing en
dc.subject Bank ownership en
dc.subject Relationship lending en
dc.subject Small and medium enterprises en
dc.description.abstract In this paper we aim to explore how the type of bank ownership - local private banks, government-owned banks (public banks) and foreign banks - can affect relationship lending to small and medium enterprises (SMEs) by using a unique data set from Bangladeshi banking sector. We found that private banks differ from government-owned and foreign banks in terms of relationship lending and credit facilities to SMEs. More specifically, our results suggest that unlike government and foreign banks, private banks do consider soft information from relationship lending while setting up the loan spread to SMEs. We can also confirm that exclusive banking relationship or repeated banking with private banks can soften credit conditions (loan maturity and covenants). Moreover, we found empirical evidence that banking relationship is important for private banks in terms of SME credit risk evaluation. Finally, as according to our expectation, the results confirm that regardless of prior relationship, private banks are more depended on collateral-based lending to SMEs than government-owned or foreign banks. © Foundation of International Studies, 2017. and CSR, 2017. en
utb.faculty Faculty of Management and Economics
dc.identifier.uri http://hdl.handle.net/10563/1007437
utb.identifier.obdid 43876543
utb.identifier.scopus 2-s2.0-85019638228
utb.source j-scopus
dc.date.accessioned 2017-09-08T12:14:56Z
dc.date.available 2017-09-08T12:14:56Z
dc.rights Attribution 3.0 Unported
dc.rights.uri https://creativecommons.org/licenses/by/3.0/
dc.rights.access openAccess
utb.contributor.internalauthor Rahman, Ashiqur
utb.contributor.internalauthor Belás, Jaroslav
utb.scopus.affiliation Department of Enterprise Economics, Tomas Bata University in Zlin, Czech Republic; Department of Management, School of Economics and Management, Public Administration in Bratislava, Slovakia; University of Zilina, Slovakia
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