IDEAS home Printed from https://ideas.repec.org/
MyIDEAS: Login to save this article or follow this journal

The expanding geographic reach of retail banking markets

  • Lawrence J. Radecki
Registered author(s):

    In the view of most policymakers and economists, competition in retail banking takes place in local markets the size of a single county or metropolitan area. This article presents evidence that the locus of banking competition has in recent years shifted to larger geographic arenas. The author's review of 1997 survey data reveals that many banks set uniform rates for both deposits and retail loans across an entire state or broad regions of a large state. Regression analysis of the relationship between retail deposit rates and measures of market concentration further supports this expansion in market size: the clear relationship that earlier studies detected between individual banks' deposit rates and measures of concentration at the local level is no longer evident, while a relationship does emerge at the state level.

    If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

    File URL: http://www.newyorkfed.org/research/epr/98v04n2/9806rade.html
    Download Restriction: no

    File URL: http://www.newyorkfed.org/research/epr/98v04n2/9806rade.pdf
    Download Restriction: no

    Article provided by Federal Reserve Bank of New York in its journal Economic Policy Review.

    Volume (Year): (1998)
    Issue (Month): Jun ()
    Pages: 15-34

    as
    in new window

    Handle: RePEc:fip:fednep:y:1998:i:jun:p:15-34:n:v.4no.2
    Contact details of provider: Postal: 33 Liberty Street, New York, NY 10045-0001
    Web page: http://www.newyorkfed.org/
    Email:


    More information through EDIRC

    Order Information: Web: http://www.ny.frb.org/rmaghome/staff_rp/ Email:


    No references listed on IDEAS
    You can help add them by filling out this form.

    This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

    When requesting a correction, please mention this item's handle: RePEc:fip:fednep:y:1998:i:jun:p:15-34:n:v.4no.2. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Amy Farber)

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If references are entirely missing, you can add them using this form.

    If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.