Which local markets do banks desert first? evidence from poland

Krzysztof Jackowicz, Łukasz Kozłowski and Paweł Wnuczak

Finance Research Letters, 2021, vol. 38, issue C

Abstract: The number of brick-and-mortar bank branches is decreasing. However, local banking markets are affected by this phenomenon to varying degrees. In this study, we use a comprehensive dataset on the Polish economy to establish which local banking markets banks decide to abandon first. We find that the business models of banks operating within local markets, clients’ Internet use, and merger processes, all influence the rate of local bank branch closures.

Keywords: Banking; Branch closures; Local banking markets; Distribution channels (search for similar items in EconPapers)
JEL-codes: G21 (search for similar items in EconPapers)
Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:eee:finlet:v:38:y:2021:i:c:s1544612319310931

DOI: 10.1016/j.frl.2020.101478

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