Definition of the variables
| Variable Name | Description | Unit, values and measurement | Source | |
|---|---|---|---|---|
| Relationships | Largest share | Concentration (largest share) of bank relationship | % | Survey Q-2a |
| Switching behavior | Stop | If the company has stopped a relationship with a bank in the recent past | 1= yes, 0= no | Survey Q-5b |
| Reduced | If the company has reduced the services from a bank in the recent past | 1= yes, 0= no | Survey Q-5a | |
| Decision factors | Important when choosing banks | |||
| 4=Most important/3=Rather important/2=Rather unimportant/1=Not important | ||||
| Reputation | Reputation of the bank | 4, 3, 2 or 1 | Survey Q-12 | |
| Price | Price offered | 4<<1, average of two responses | Survey Q-8 and Q-12 | |
| Location | Location of the bank | 4, 3, 2 or 1 | Survey Q-8 | |
| Speed | Speed in processing by the bank | 4, 3, 2 or 1 | Survey Q-8 | |
| Negotiation | Ease of negotiation with the bank | 4, 3, 2 or 1 | Survey Q-8 | |
| Consultancy | Consultancy by the bank | 4<<1, average of two responses | Survey Q-8 | |
| Corporate culture | Bank’s image suit corporate culture | 4, 3, 2 or 1 | Survey Q-8 | |
| Services | Quality of bank’s services | 4<<1, average of two responses | Survey Q-8 and Q-12 | |
| Network | Network of the bank | 4<<1, average of two responses | Survey Q-12 | |
| Market dominancy | Market dominancy of the bank | 4, 3, 2 or 1 | Survey Q-12 | |
| Relationship | Personal relationship with the bank | 4, 3, 2 or 1 | Survey Q-12 | |
| Decision maker | CFO | Who is responsible in choosing banks? | 1= CFO decides 0= Parent company or the board decides | Survey Q-11b |
| Decision process | Information used when choosing banks | |||
| Tender info | (Public) tendering | 1= yes, 0= no | Survey Q-11a | |
| Offer info | Received/requested offers | 1= yes, 0= no | Survey Q-11a | |
| Recommendation info | Recommendation | 1= yes, 0= no | Survey Q-11a | |
| Relationship controls | Bank services the company currently uses | |||
| (Scope) | Lending | Lending and structured finance services | 1= yes, 0= no | Survey Q-6a |
| Asset management | Asset management, custody/depository services and debt market instruments | 1= yes, 0= no | Survey Q-6a | |
| Commercial finance | Export finance, factoring/commercial finance and leasing | 1= yes, 0= no | Survey Q-6a | |
| Firm controls | Ownership | Sole proprietorship, partnership etc. | Survey | |
| Firm size | No. of employees | Survey | ||
| Bank controls | Log bank branches | Log of “Number of bank branches” in Pakistan | Website of respective bank | |
| Log bank employees | Log of “Number of bank employees” in Pakistan | Website of respective bank | ||
| Bank's market share | Advances to SME’s | Website of respective bank | ||
| Variable Name | Description | Unit, values and measurement | Source | |
|---|---|---|---|---|
| Relationships | Largest share | Concentration (largest share) of bank relationship | % | Survey Q-2a |
| Switching behavior | Stop | If the company has stopped a relationship with a bank in the recent past | 1= yes, 0= no | Survey Q-5b |
| Reduced | If the company has reduced the services from a bank in the recent past | 1= yes, 0= no | Survey Q-5a | |
| Decision factors | ||||
| 4=Most important/3=Rather important/2=Rather unimportant/1=Not important | ||||
| Reputation | Reputation of the bank | 4, 3, 2 or 1 | Survey Q-12 | |
| Price | Price offered | 4<<1, average of two responses | Survey Q-8 and Q-12 | |
| Location | Location of the bank | 4, 3, 2 or 1 | Survey Q-8 | |
| Speed | Speed in processing by the bank | 4, 3, 2 or 1 | Survey Q-8 | |
| Negotiation | Ease of negotiation with the bank | 4, 3, 2 or 1 | Survey Q-8 | |
| Consultancy | Consultancy by the bank | 4<<1, average of two responses | Survey Q-8 | |
| Corporate culture | Bank’s image suit corporate culture | 4, 3, 2 or 1 | Survey Q-8 | |
| Services | Quality of bank’s services | 4<<1, average of two responses | Survey Q-8 and Q-12 | |
| Network | Network of the bank | 4<<1, average of two responses | Survey Q-12 | |
| Market dominancy | Market dominancy of the bank | 4, 3, 2 or 1 | Survey Q-12 | |
| Relationship | Personal relationship with the bank | 4, 3, 2 or 1 | Survey Q-12 | |
| Decision maker | CFO | Who is responsible in choosing banks? | 1= CFO decides | Survey Q-11b |
| Decision process | ||||
| Tender info | (Public) tendering | 1= yes, 0= no | Survey Q-11a | |
| Offer info | Received/requested offers | 1= yes, 0= no | Survey Q-11a | |
| Recommendation info | Recommendation | 1= yes, 0= no | Survey Q-11a | |
| Relationship controls | ||||
| (Scope) | Lending | Lending and structured finance services | 1= yes, 0= no | Survey Q-6a |
| Asset management | Asset management, custody/depository services and debt market instruments | 1= yes, 0= no | Survey Q-6a | |
| Commercial finance | Export finance, factoring/commercial finance and leasing | 1= yes, 0= no | Survey Q-6a | |
| Firm controls | Ownership | Sole proprietorship, partnership etc. | Survey | |
| Firm size | No. of employees | Survey | ||
| Bank controls | Log bank branches | Log of “Number of bank branches” in Pakistan | Website of respective bank | |
| Log bank employees | Log of “Number of bank employees” in Pakistan | Website of respective bank | ||
| Bank's market share | Advances to SME’s | Website of respective bank | ||
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