The bigger the bank, the wider the range of loans. While large institutions on average mention four types, small institutions mention only two. The larger banks offer significantly more credit for different purposes: working capital, discounts of commercial instruments, checking accounts, and factoring. What type of loans does your institution offer for SME development? Multiple answers -By size % -
Small banks
Medium banks
Large banks
Working capital
28
52
71
Financial loans
36
48
46
Mortgage loans
18
30
25
Leasing
20
20
25
Car loans
18
21
29
Cash advance
10
21
25
Checking accounts
5
18
38
Discounts in commercial instruments
10
9
42
Factoring
13
14
12
Warrants
8
9
8
Refinancing for international trade
8
2
4
Reciprocal guarantee society
3
--
8
Business cards
--
2
8
Average
2.1
2.8
3.7
Financial institutions considered to be leaders in the SME sector are more likely to mention the entire range of loan types. Another noteworthy point is the connection between the loans granted to SMEs for working capital with those institutions that consider the administrative costs of dealing with SMEs as not high.
IIC/MIF and FELABAN
28
D’Alessio IROL