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Paying for Banking Services: What Determines the Fees?

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Author Info
Pavel Dvorak
Jan Hanousek
Abstract

We analyze a unique dataset to test an empirical model of retail bank fee determinants in five Central European countries. Due to the data structure we can cope with heterogeneity and cross-subsidization by employing a representative fee index instead of using variables associated with individual fees. We find support for the Structure-Conduct-Performance hypothesis about the effect of industry concentration, the importance of differences in reliance on cashless payments, and differences in the labor intensity and technology level of bank operations. We also show that cross-country differences in retail bank fees can be explained by fundamental economic factors.

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Publisher Info
Paper provided by The Center for Economic Research and Graduate Education - Economic Institute, Prague in its series CERGE-EI Working Papers with number wp388.

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Date of creation: Aug 2009
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Handle: RePEc:cer:papers:wp388

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Related research
Keywords: Banking; bank fees; Central and Eastern Europe; international comparison; Structure-Conduct-Performance hypothesis.;

Find related papers by JEL classification:
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
L11 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Production, Pricing, and Market Structure; Size Distribution of Firms
G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
D41 - Microeconomics - - Market Structure and Pricing - - - Perfect Competition
C81 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - Microeconomic Data

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This page was last updated on 2009-12-2.

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