AN ANALYSIS OF THE COMMERCIAL BANKING INDUSTRIES IN PENNSYLVANIA AND THE DUTCH CARIBBEAN

Open Access
Author:
Simon, Bryan Alexander
Area of Honors:
Finance
Degree:
Bachelor of Science
Document Type:
Thesis
Thesis Supervisors:
  • Jeremiah Ross Green, Thesis Supervisor
  • Brian Spangler Davis, Honors Advisor
Keywords:
  • Commercial banking
  • Lending
  • Credit Extention
  • Dutch Caribbean
  • Small Banks
  • Pennsylvania
Abstract:
Through multiple extensive interviews and survey rounds with four different banks, some based in America and some in the Dutch Caribbean, I have made two findings. The first being that due to lack of information all banks surveyed disliked the same part of the credit extension process, the approval process. The second being that due to the larger supply of banks in the United Stated causing more competition in banking, the US banks were more client focused than the Dutch Caribbean banks. I also provide a brief overview of the commercial lending process for these banks of varying geographical regions, as well as brief analysis on the similarities and differences from the interviews conducted.