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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

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    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.

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    File URL: http://www-sre.wu-wien.ac.at/ersa/ersaconfs/ersa03/cdrom/papers/304.pdf
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    Paper provided by European Regional Science Association in its series ERSA conference papers with number ersa03p304.

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    Date of creation: Aug 2003
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    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, June.
    2. Andersen, Atso & Snellman, Jussi & Hyytinen, Ari, 2000. "Recent Developments in the Finnish Banking Sector," Research Discussion Papers 15/2000, Bank of Finland.
    3. 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.
    4. Nicola Cetorelli, 2002. "Entry and competition in highly concentrated banking markets," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q IV, pages 18-27.
    5. Paul Krugman, 1990. "Increasing Returns and Economic Geography," NBER Working Papers 3275, National Bureau of Economic Research, Inc.
    6. Bresnahan, Timothy F & Reiss, Peter C, 1990. "Entry in Monopoly Markets," Review of Economic Studies, Wiley Blackwell, vol. 57(4), pages 531-53, October.
    7. Evanoff, Douglas D, 1988. "Branch Banking and Service Accessibility," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 20(2), pages 191-202, May.
    8. 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.
    9. 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), pages 833-882.
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