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Bank Financing of Small and Medium-sized Enterprise’s in Ireland: The Banker’s perspective

Adeoye, Abdulgaffar Olamilekan (2018) Bank Financing of Small and Medium-sized Enterprise’s in Ireland: The Banker’s perspective. Masters thesis, Dublin, National College of Ireland.

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Abstract

This research seeks to gain an understanding of the banker’s perception on lending to SMEs in Ireland. Using new and unique data generated from interviews conducted with bankers from four banks, the research seeks to provide information on bank financing of SMEs in Ireland. The study found out that perceived profitability and cross-sale opportunities are the major drivers for banks involvement with the sector. Dominance of two major banks, issues relating to Brexit and regulations are the major impediments. Due to size of the SME segment, most banks have different organizational set ups to serve the market. Activities such as Loan approval, Risk management and loan recovery function are centralized while loan origination, initial screen and sale of other products to SMEs are carried out at the branches.

Item Type: Thesis (Masters)
Subjects: H Social Sciences > HG Finance
H Social Sciences > HG Finance > Banking
H Social Sciences > HD Industries. Land use. Labor > Small Business Sector
Divisions: School of Business > Master of Science in Finance
Depositing User: CAOIMHE NI MHAICIN
Date Deposited: 30 Oct 2018 13:29
Last Modified: 30 Oct 2018 13:29
URI: http://trap.ncirl.ie/id/eprint/3359

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