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Why Banks in Emerging Markets Are Increasingly Providing Non-financial Services to Small and Medium Enterprises
World Bank Open Knowledge Repository (formerly "World Bank E-Library Publications") Available online
World Bank Open Knowledge Repository (formerly "World Bank E-Library Publications")- Format:
- Book
- Government document
- Series:
- Other papers
- World Bank e-Library.
- Language:
- English
- Subjects (All):
- Access to Finance.
- Access to Information.
- Accounting.
- Banking Sector.
- Best Practices.
- Business Development.
- Business Education.
- Business Environment.
- Capacity Building.
- Collateral.
- Commercial Banks.
- Credit Reports.
- Data analysis.
- Economic Development.
- Emerging Markets.
- Empowerment.
- Entrepreneurs.
- Factoring.
- Finance and Development.
- Finance and Financial Sector Development.
- Financial Institutions.
- Financial Management.
- Financial Services.
- Gender.
- Human Resources.
- Information Asymmetry.
- Information Technology.
- Insurance.
- Interest Rates.
- International Finance.
- Legislation.
- Local Government.
- Marketing.
- Microfinance Institutions.
- Newsletters.
- Private Sector.
- Private Sector Development.
- Productivity.
- Profitability.
- Purchasing Power.
- Risk Management.
- Small and Medium Size Enterprises.
- Small Businesses.
- Social Responsibility.
- Technical Assistance.
- Telecommunications.
- Transaction Costs.
- Web Sites.
- White Papers.
- Local Subjects:
- Access to Finance.
- Access to Information.
- Accounting.
- Banking Sector.
- Best Practices.
- Business Development.
- Business Education.
- Business Environment.
- Capacity Building.
- Collateral.
- Commercial Banks.
- Credit Reports.
- Data analysis.
- Economic Development.
- Emerging Markets.
- Empowerment.
- Entrepreneurs.
- Factoring.
- Finance and Development.
- Finance and Financial Sector Development.
- Financial Institutions.
- Financial Management.
- Financial Services.
- Gender.
- Human Resources.
- Information Asymmetry.
- Information Technology.
- Insurance.
- Interest Rates.
- International Finance.
- Legislation.
- Local Government.
- Marketing.
- Microfinance Institutions.
- Newsletters.
- Private Sector.
- Private Sector Development.
- Productivity.
- Profitability.
- Purchasing Power.
- Risk Management.
- Small and Medium Size Enterprises.
- Small Businesses.
- Social Responsibility.
- Technical Assistance.
- Telecommunications.
- Transaction Costs.
- Web Sites.
- White Papers.
- Place of Publication:
- Washington, D.C. : The World Bank, 2012.
- System Details:
- data file
- Summary:
- Banks in emerging markets are increasingly providing non-financial services to their SME clients, typically consisting of information sharing, training and consultancy. This study, published by IFC in partnership with the Austrian Government, is the first to explore reasons behind this trend, finding that banks' key motivations include attracting and retaining customers, and strengthening portfolio quality. The report consists of an overview followed by case studies of three banks, namely Tark Ekonomi Bankasa (TEB), Standard Chartered Bank (SCB), and ICICI Bank. It is estimated that there are 365 to 445 million formal and informal micro, small, and medium enterprises, with a subset of 25 to 35 million formal SMEs, in the developing world. Of these, 70 percent do not use external financing from financial institutions, although they are in need of it. Approximately 85 percent suffer from credit constraints.
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