contained in the June bank Call Reports, we find that small commercial and industrial (C&I) loans add value to community banks …This study provides direct evidence of the value to banks arising from relationship lending by estimating the market … business loans is observed primarily at small community banks, and it was present during the Great Recession as well as during …

group identities like caste, religion and language. Therefore, for improving SME credit delivery the banks need to be guided …Millions of Indian SMEs who depend for their growth on banks – the only source of credit at normal market price – are … perennially remaining outside the ambit of any bank finance. The literature has long identified relationship lending (RL) as a …