Strengthening the relationship with financial institutions: strategies to improve bank relations and build trust

Authors

  • Priscilla Godoy Lobato Barcelos

DOI:

https://doi.org/10.34117/bjdv11n7-047

Keywords:

bank relations, trust, financial discipline, communication, strategic planning

Abstract

Establishing a strong relationship with banking institutions is fundamental for individuals and businesses seeking long-term financial stability and access to credit. This article explores evidence-based strategies to improve interactions with banks and enhance mutual trust. Emphasis is placed on maintaining clear and transparent communication, meeting financial obligations consistently, and presenting solid and realistic business plans. These practices not only increase access to financing but also build a credible and trustworthy reputation within the financial sector. The discussion is grounded in recent academic research and real-world banking practices.

References

Altman, E. I., & Sabato, G. (2007). Modelling credit risk for SMEs: Evidence from the US market. Abacus, 43(3), 332–357.

Beck, T., Demirgüç-Kunt, A., & Maksimovic, V. (2005). Financial and legal constraints to growth: Does firm size matter? Journal of Finance, 60(1), 137–177.

Berger, A. N., & Udell, G. F. (2006). A more complete conceptual framework for SME finance. Journal of Banking & Finance, 30(11), 2945–2966.

Boot, A. W. A. (2000). Relationship banking: What do we know? Journal of Financial Intermediation, 9(1), 7–25.

Degryse, H., & Ongena, S. (2005). Distance, lending relationships, and competition. Journal of Finance, 60(1), 231–266.

Elsas, R., & Krahnen, J. P. (1998). Is relationship lending special? Evidence from credit‐file data in Germany. Journal of Banking & Finance, 22(10–11), 1283–1316.

Mason, C., & Stark, M. (2004). What do investors look for in a business plan? A comparison of the investment criteria of bankers, venture capitalists and business angels. International Small Business Journal, 22(3), 227–248.

Ongena, S., & Smith, D. C. (2000). What determines the number of bank relationships? Cross-country evidence. Journal of Financial Intermediation, 9(1), 26–56.

Petersen, M. A., & Rajan, R. G. (1994). The benefits of lending relationships: Evidence from small business data. Journal of Finance, 49(1), 3–37.

Uchida, H., Udell, G. F., & Watanabe, W. (2008). Bank size and lending relationships in Japan. Journal of the Japanese and International Economies, 22(2), 242–267.

Silva, J. F. (2024). SENSORY-FOCUSED FOOTWEAR DESIGN: MERGING ART AND WELL-BEING FOR INDIVIDUALS WITH AUTISM. International Seven Journal of Multidisciplinary, 1(1). https://doi.org/10.56238/isevmjv1n1-016

Silva, J. F. (2024). SENSORY-FOCUSED FOOTWEAR DESIGN: MERGING ART AND WELL-BEING FOR INDIVIDUALS WITH AUTISM. International Seven Journal of Multidisciplinary, 1(1). https://doi.org/10.56238/isevmjv1n1-016

Silva, J. F. (2024). Enhancing cybersecurity: A comprehensive approach to addressing the growing threat of cybercrime. Revista Sistemática, 14(5), 1199–1203. https://doi.org/10.56238/rcsv14n5-009

Venturini, R. E. (2025). Technological innovations in agriculture: the application of Blockchain and Artificial Intelligence for grain traceability and protection. Brazilian Journal of Development, 11(3), e78100. https://doi.org/10.34117/bjdv11n3-007

Turatti, R. C. (2025). Application of artificial intelligence in forecasting consumer behavior and trends in E-commerce. Brazilian Journal of Development, 11(3), e78442. https://doi.org/10.34117/bjdv11n3-039

Garcia, A. G. (2025). The impact of sustainable practices on employee well-being and organizational success. Brazilian Journal of Development, 11(3), e78599. https://doi.org/10.34117/bjdv11n3-054

Filho, W. L. R. (2025). The Role of Zero Trust Architecture in Modern Cybersecurity: Integration with IAM and Emerging Technologies. Brazilian Journal of Development, 11(1), e76836. https://doi.org/10.34117/bjdv11n1-060

Antonio, S. L. (2025). Technological innovations and geomechanical challenges in Midland Basin Drilling. Brazilian Journal of Development, 11(3), e78097. https://doi.org/10.34117/bjdv11n3-005

Moreira, C. A. (2025). Digital monitoring of heavy equipment: advancing cost optimization and operational efficiency. Brazilian Journal of Development, 11(2),e77294. https://doi.org/10.34117/bjdv11n2-011 Brazilian Journal of Development, Curitiba, v.9, n.6, p. 18723-18728, jun., 2023

Delci, C. A. M. (2025). THE EFFECTIVENESS OF LAST PLANNER SYSTEM (LPS) IN INFRASTRUCTURE PROJECT MANAGEMENT. RevistaSistemática, 15(2), 133–139. https://doi.org/10.56238/rcsv15n2-009

SANTOS,Hugo;PESSOA,EliomarGotardi.Impactsofdigitalizationontheefficiencyandqu

alityofpublicservices:Acomprehensiveanalysis.LUMENETVIRTUS,[S.l.],v.15,n.40,p.4

,2024.DOI:10.56238/levv15n40024.Disponívelem:https://periodicos.newscienc

epubl.com/LEV/article/view/452.Acessoem:25jan.2025.

Freitas,G.B.,Rabelo,E.M.,&Pessoa,E.G.(2023).Projetomodularcomreaproveitamentodecontainermaritimo.BrazilianJournalofDevelopment,9(10),28303–28339.https://doi.org/10.34117/bjdv9n10057

Freitas,G.B.,Rabelo,E.M.,&Pessoa,E.G.(2023).Projetomodularcomreaproveitamentodecontainermaritimo.BrazilianJournalofDevelopment,9(10),28303–28339.https://doi.org/10.34117/bjdv9n10057

Pessoa,E.G.,Feitosa,L.M.,ePadua,V.P.,&Pereira,A.G.(2023).EstudodosrecalquesprimáriosemumaterroexecutadosobreaargilamoledoSarapuí.BrazilianJournalofDevelopment,9(10),28352–28375.https://doi.org/10.34117/bjdv9n10059

PESSOA,E.G.;FEITOSA,L.M.;PEREIRA,A.G.;EPADUA,V.P.Efeitosdeespéciesdealna

eficiênciadecoagulação,Alresidualepropriedadedosflocosnotratamentodeáguassuperficia

is.BrazilianJournalofHealthReview,[S.l.],v.6,n.5,p.2481424826,2023.DOI:10.34119/bjh

rv6n5523.Disponívelem:https://ojs.brazilianjournals.com.br/ojs/index.php/BJHR/article/

view/63890.Acessoem:25jan.2025.

SANTOS,Hugo;PESSOA,EliomarGotardi.Impactsofdigitalizationontheefficiencyandqu

alityofpublicservices:Acomprehensiveanalysis.LUMENETVIRTUS,[S.l.],v.15,n.40,p.4

,2024.DOI:10.56238/levv15n40024.Disponívelem:https://periodicos.newscienc

epubl.com/LEV/article/view/452.Acessoem:25jan.2025.

Filho, W. L. R. (2025). The Role of Zero Trust Architecture in Modern Cybersecurity:

Integration with IAM and Emerging Technologies. Brazilian Journal of Development, 11(1), e76836. https://doi.org/10.34117/bjdv11n1-060

Oliveira, C. E. C. de. (2025). Gentrification, urban revitalization, and social equity: challenges and solutions. Brazilian Journal of Development, 11(2), e77293. https://doi.org/10.34117/bjdv11n2-010

Pessoa, E. G. (2024). Pavimentos permeáveis uma solução sustentável. Revista Sistemática, 14(3), 594–599. https://doi.org/10.56238/rcsv14n3-012

Filho, W. L. R. (2025). THE ROLE OF AI IN ENHANCING IDENTITY AND

ACCESS MANAGEMENT SYSTEMS. International Seven Journal of Multidisciplinary, 1(2). https://doi.org/10.56238/isevmjv1n2-011

Antonio, S. L. (2025). Technological innovations and geomechanical challenges in

Midland Basin Drilling. Brazilian Journal of Development, 11(3), e78097. https://doi.org/10.34117/bjdv11n3-005

Pessoa, E. G. (2024). Pavimentos permeáveis uma solução sustentável. Revista

Sistemática, 14(3), 594–599. https://doi.org/10.56238/rcsv14n3-012

Pessoa, E. G. (2024). Pavimentos permeáveis uma solução sustentável. Revista

Sistemática, 14(3), 594–599. https://doi.org/10.56238/rcsv14n3-012

Eliomar Gotardi Pessoa, & Coautora: Glaucia Brandão Freitas. (2022). ANÁLISE DE CUSTO DE PAVIMENTOS PERMEÁVEIS EM BLOCO DE CONCRETO

UTILIZANDO BIM (BUILDING INFORMATION MODELING). Revistaft, 26(111),

https://doi.org/10.5281/zenodo.10022486

Eliomar Gotardi Pessoa, Gabriel Seixas Pinto Azevedo Benittez, Nathalia Pizzol de

Oliveira, & Vitor Borges Ferreira Leite. (2022). ANÁLISE COMPARATIVA ENTRE RESULTADOS EXPERIMENTAIS E TEÓRICOS DE UMA ESTACA COM CARGA HORIZONTAL APLICADA NO TOPO. Revistaft, 27(119), 67. https://doi.org/10.5281/zenodo.7626667

Eliomar Gotardi Pessoa, & Coautora: Glaucia Brandão Freitas. (2022). ANÁLISE

COMPARATIVA ENTRE RESULTADOS TEÓRICOS DA DEFLEXÃO DE UMA LAJE PLANA COM CARGA DISTRIBUÍDA PELO MÉTODO DE EQUAÇÃO DE DIFERENCIAL DE LAGRANGE POR SÉRIE DE FOURIER DUPLA E MODELAGEM NUMÉRICA PELO SOFTWARE SAP2000. Revistaft, 26(111), 43. https://doi.org/10.5281/zenodo.10019943

Pessoa, E. G. (2025). Optimizing helical pile foundations: a comprehensive study on

displaced soil volume and group behavior. Brazilian Journal of Development, 11(4), e79278. https://doi.org/10.34117/bjdv11n4-047

Pessoa, E. G. (2025). Utilizing recycled construction and demolition waste in permeable pavements for sustainable urban infrastructure. Brazilian Journal of Development, 11(4), e79277. https://doi.org/10.34117/bjdv11n4-046

Downloads

Published

2025-07-21

How to Cite

Barcelos, P. G. L. (2025). Strengthening the relationship with financial institutions: strategies to improve bank relations and build trust. Brazilian Journal of Development, 11(7), e81085. https://doi.org/10.34117/bjdv11n7-047

Issue

Section

Original Papers