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

Author

Listed:
  • Antoni Garrido Torres

    (Grup de Recerca en Federalisme Fiscal i Economia Regional (Institut d'Economia de Barcelona-IEB), Departament d'Econometria, Estadística i Economia Espanyola, Universitat de Barcelona)

  • Pere Arqué Castells

    (Grup de Recerca en Federalisme Fiscal i Economia Regional (Institut d'Economia de Barcelona-IEB), Universitat de Barcelona.)

Abstract

The objective of the research is to know the factors that in Spain determine the choice 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 CREAP2006-08, Xarxa de Referència en Economia Aplicada (XREAP), revised Dec 2006.
    • Handle: RePEc:xrp:wpaper:creap2006-08
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    File URL: http://www.xreap.cat/RePEc/xrp/pdf/CREAP2006-08.pdf
    File Function: First version, 2006
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    File URL: http://www.xreap.cat/RePEc/xrp/pdf/CREAP2006-08.pdf
    File Function: Revised version, 2006
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    Citations

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    Cited by:

    1. Anna Matas Prats & José Luís Raymond Bara & José Luís Raymond Bara, 2008. "Job accessibility and employment probability," Working Papers XREAP2008-05, Xarxa de Referència en Economia Aplicada (XREAP), revised May 2008.
    2. Matas, Anna & Raymond, José-Luis & Roig, José-Luis, 2009. "Car ownership and access to jobs in Spain," Transportation Research Part A: Policy and Practice, Elsevier, vol. 43(6), pages 607-617, July.
    3. Christian Durán Weitkamp & Mónica Martín Bofarull & Federico Pablo Martí, 2008. "Economic effects of road accessibility in the Pyrenees: user perspective," Working Papers XREAP2008-01, Xarxa de Referència en Economia Aplicada (XREAP), revised Jan 2008.

    More about this item

    Keywords

    Choice criteria; retail banking; 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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