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Regional perspectives on office service accessibility in Finnish banking markets: are there differences in service accessibility between the regions?


  • Aki T. Koponen



In Finland there was huge reduction in number of bank branches during the 1990?s which seems to be stabilized during last few years and even some new bank branches has been founded. In this paper I analyze the locations of bank branches in Finland by using municipality level data containing both economic and geographic variables. At first I analyze banks? entry/exit by the area-basis. Then the concentration in analysis moves to branch network strategies of bank groups, i.e. what is the typical office network strategy of centrally managed bank groups and how bank groups with decentralized decision-making differ from that, and what are the geographic core market areas of the bank groups. At last the differences in bank office service availability between Finnish provinces is analyzed in the light of previous results. Data used in analysis is panel containing bank branch numbers for each bank group in municipality, and population, geographic and economic features of municipalities in years 1995, 1997, 1999 and 2001.

Suggested Citation

  • Aki T. Koponen, 2003. "Regional perspectives on office service accessibility in Finnish banking markets: are there differences in service accessibility between the regions?," ERSA conference papers ersa03p304, European Regional Science Association.
  • Handle: RePEc:wiw:wiwrsa:ersa03p304

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    1. Masahisa Fujita & Paul Krugman & Anthony J. Venables, 2001. "The Spatial Economy: Cities, Regions, and International Trade," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262561476, July.
    2. Nicola Cetorelli, 2002. "Entry and competition in highly concentrated banking markets," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q IV, pages 18-27.
    3. Krugman, Paul, 1991. "Increasing Returns and Economic Geography," Journal of Political Economy, University of Chicago Press, vol. 99(3), pages 483-499, June.
    4. Timothy F. Bresnahan & Peter C. Reiss, 1990. "Entry in Monopoly Market," Review of Economic Studies, Oxford University Press, vol. 57(4), pages 531-553.
    5. Evanoff, Douglas D, 1988. "Branch Banking and Service Accessibility," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 20(2), pages 191-202, May.
    6. Jeffery W. Gunther, 1997. "Geographic liberalization and the accessibility of banking services in rural areas," Financial Industry Studies Working Paper 97-1, Federal Reserve Bank of Dallas.
    7. Bresnahan, Timothy F & Reiss, Peter C, 1991. "Entry and Competition in Concentrated Markets," Journal of Political Economy, University of Chicago Press, vol. 99(5), pages 977-1009, October.
    8. Timothy F. Bresnahan & Peter C. Reiss, 1987. "Do Entry Conditions Vary across Markets?," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 18(3, Specia), pages 833-882.
    9. Andersén, Atso & Hyytinen, Ari & Snellman, Jussi, 2000. "Recent developments in the finnish banking sector," Research Discussion Papers 15/2000, Bank of Finland.
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