perennially remaining outside the ambit of any bank finance. The literature has long identified relationship lending (RL) as a … group identities like caste, religion and language. Therefore, for improving SME credit delivery the banks need to be guided … our capital-starved SME sector, which is also our biggest employer …

productivity. The analysis reveals that the link between productivity and bank credit growth is weaker for firms with significant …

findings suggest that high capital requirements and large bank size do not reduce default risk, whereas high profitability and … findings are relevant to bank managers, investors and bank regulators, in formulating effective credit policies and investment …

We investigate the association between bank market power and revenue diversification and whether revenue … diversification interacts with market power impacting on individual bank stability. These issues are explored in the context of four …