SMEs Czech Republic 26-10-2005 SMEs see warmer climate Interview with Roman Kalina, the executive director in the credit-risk management department of Ceskoslovenská Obchodní Banka (CSOB), sustains it is untrue banks are reluctant to lend to small- and medium-sized…… Sign in or Upgrade to Continue Reading This news article is over 10 days old. Subscribe today to access all articles with an annual subscription. Become a member Learn more Already a subscriber? Log in here #bank#management#risk management#security#smes