Features of Local Markets and Banks’ Decisions on Outlet Networks
DOI:
https://doi.org/10.15678/ZNUEK.2014.0934.1001Keywords:
local markets, branch networks, competition, banksAbstract
This paper investigates how local market features influence the decisions taken by Polish banks regarding their branch networks. It was found that during the period 2007–2013 the density of branch networks was highest in relatively rich and urbanized regions. However, the rate of growth in the number of branches was more rapid in regions whose density of branches had hitherto been lower. It was found, moreover, that the presence of an entrepreneurial population had a positive impact on both the density and growth rate of branches.
Downloads
References
Avery R.B., Bostic R.W., Calem P.S., Canner G.B. [1999], Consolidation and Bank Branching Patterns, „Journal of Banking and Finance", vol. 23, http://dx.doi.org/10.1016/S0378-4266(98)00094-6.
Berger A.N., Leusner J.H., Mingo J.J. [1997], The Efficiency of Bank Branches, „Journal of Monetary Economics", vol. 40, http://dx.doi.org/10.1016/S0304-3932(97)00035-4.
Bonaccorsi di Patti E., Gobbi G. [2001], The Changing Structure of Local Credit Markets: Are Small Businesses Special?, „Journal of Banking and Finance", vol. 25, http://dx.doi.org/10.1016/S0378-4266(01)00191-1.
Carow K.A., Heron R.A. [1998], The Interstate Banking and Branching Efficiency Act of 1994: A Wealth Event for Acquisition Targets, „Journal of Banking and Finance", vol. 22, http://dx.doi.org/10.1016/S0378-4266(97)00052-6.
Fraser D.R., Hooton J.L., Kolari J.W., Reising J.J. [1997], The Wealth Effects of Interstate Branching, „Journal of Banking and Finance", vol. 21, http://dx.doi.org/10.1016/S0378-4266(96)00056-8.
Freeman D.G [2002], Did State Bank Branching Deregulation Produce Large Growth Effects? „Economic Letters", vol. 75.
Hannan T.H., Prager R.A. [2004], The Competitive Implications of Multimarket Bank Branching, „Journal of Banking and Finance", vol. 28, http://dx.doi.org/10.1016/j.jbankfin.2003.06.006.
Hirtle B. [2007], The Impact of Network Size on Bank Branch Performance, „Journal of Banking and Finance", vol. 31, http://dx.doi.org/10.1016/j.jbankfin.2007.01.020.
Ho K., Ishii J. [2011], Location and Competition in Retail Banking, „International Journal of Industrial Organization", vol. 29, http://dx.doi.org/10.1016/j.ijindorg.2010.11.004.
Huang R.R. [2008], Evaluating the Real Effect of Bank Branching Deregulation: Comparing Contiguous Counties across US State Borders, „Journal of Financial Economics", vol. 87, http://dx.doi.org/10.1016/j.jfineco.2007.01.004.
Huysentruyt M., Lefevere E., Menon C. [2013], Dynamics of Retail-bank Branching in Antwerp (Belgium) 1991-2006: Evidence from Micro-geographic Data, „Journal of Banking and Finance", vol. 37, http://dx.doi.org/10.1016/j.jbankfin.2012.08.23.
Kim M., Vale B. [2001], Non-price Strategic Behavior: The Case of Bank Branches, „International Journal of Industrial Organization", vol. 19, http://dx.doi.org/10.1016/S0167-7187(00)00064-3.
Krol R., Svorny S. [1996], The Effect of the Bank Regulatory Environment on State Economic Activity, „Regional Science and Urban Economics", vol. 26, http://dx.doi.org/10.1016/0166-0462(96)02129-1.
Mitchener K.J., Wheelock D. [2013], Does the Structure of Banking Markets Affect Growth? Evidence from U.S. State Banking Markets, „Explorations in Economic History", vol. 50, http://dx.doi.org/10.1016/j.eeh.2012.09.004.
Morrison P.S., O'Brien R. [2001], Bank Branches Closures in New Zealand: The Application of a Spatial Interaction Model, „Applied Geography", vol. 21, http://dx.doi.org/10.1016/S0143-6228(01)00014-5.
Ramirez C.D. [2003], Did Branch Banking Restrictions Increase Bank Failures? Evidence from Virginia and West Virginia in the Late 1920s, „Journal of Economics and Business", vol. 55.
Shiers A.F. [2002], Branch Banking, Economic Diversity and Bank Risk, „The Quarterly Review of Economics and Finance", vol. 42.
Zarutskie R. [2006], Evidence on the Effects of Bank Competition on Firm Borrowing and Investment, „Journal of Financial Economics", vol. 81, http://dx.doi.org/10.1016/j.jfineco.2005.07.008.
