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The choice of banking firm: are the interest rate a significant criteria?

Author

Listed:
  • Antoni Garrido Torres

    (Institut d'Economia de Barcelona (IEB); Universitat de Barcelona (UB))

  • Pere Arqué Castells

    (Institut d'Economia de Barcelona (IEB); Universitat de Barcelona (UB))

Abstract

The objective of the research is to know the factors that in Spain influence in the election of banking organization. The obtained results indicate that the dimension of the network of branches is the reason more valued. In spite of the increasing symmetry of the Spanish banking market, the preferences of the clients of the savings banks and those of the banks are not absolutely coincident, being the proximity - the main reason for election- much more valued by the former than by the latter. The existence of divergences in the preferences has also been detected according to the region and the typology of city of residence.

Suggested Citation

  • Antoni Garrido Torres & Pere Arqué Castells, 2006. "The choice of banking firm: are the interest rate a significant criteria?," Working Papers 2006/4, Institut d'Economia de Barcelona (IEB).
    • Handle: RePEc:ieb:wpaper:doc2006-4
    as

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    File URL: http://ieb.ub.edu/wp-content/uploads/2018/04/2006-IEB-WorkingPaper-04.pdf
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    References listed on IDEAS

    as
    1. Allen N. Berger & Astrid A. Dick, 2004. "Entry into banking markets and the first-mover advantage," Proceedings 917, Federal Reserve Bank of Chicago.
    2. J. Manrique & K. Ojah, 2004. "Credits and non-interest rate determinants of loan demand: a Spanish case study," Applied Economics, Taylor & Francis Journals, vol. 36(8), pages 781-791.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Banks; Choice criterion; Logit multinomial;
    All these keywords.

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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