The majority of people in Sub-Saharan Africa does not have a basic bank account and are financially excluded from main stream financial services. This paper examines factors that drive geographic exclusion of banking services to rural communities and households' demand for a basic bank account...

This study explores the effect of spatial competition as well as other factors (i.e. bank-specific characteristics, industry-specific characteristics, and macroeconomics variables) on rural banks performance (profitability and efficiency) in Indonesia. A distance proxy (physical distance from a...

This paper examines the effect of competition on bank stability particularly the contagion effect in rural banking market using spatial panel econometrics methodology. We obtain quarterly data from 2014 to 2017 focusing in a single country, Indonesia, as it has the largest number of rural banks...

We interview 379 European bank CEOs to identify their banks' main competitors. We then provide evidence on the drivers of bilateral bank competition, construct a novel competition measure at the locality level, and assess how well it explains variation in firms' credit constraints. We find that...

This paper examines the herd behavior of regional banks during financial fluctuations using loan data on Japanese banks from the 1980s to the 1990s. We use the herding measure developed by Lakonishok, Shleifer, and Vishny (1992) and Uchida and Nakagawa (2007) to detect evidence of herding and...

We study how information sharing between banks influences the geographical clustering of branches. A spatial oligopoly model first explains why branches cluster and how information sharing impacts price competition and equilibrium clustering. With data on 59,333 branches of 676 banks in 22...

With firms searching for secured external funding by engaging in multiple bank relationships on the one hand and banks for profit maximization on the other hand, conflicts of interests may arise when firms' banks demand access to corporate private information. This information can help banks to...

The article presents results of research into territorial disparity of bank (branch) deployment for regions of Russia. It is suggested that there have been three periods of bank development in the country. The Siberian Federal District has been selected to illustrate each period and demonstrate...

By lending to SMEs at low geographical distance, banks can realise competitive advantage due to enhanced access to soft information that allows the better screening of firms. As especially regional banks lend at a low distance, the decentralised German banking system is deemed ideal for SME...

We aim to analyze how the cyclical patterns in state bank lending behavior diverge from other bank types throughout economic downturns. Exploiting the exogenous shock that occurred during the Global Financial Crisis, we use high-frequency spatial banking data belonging to a large emerging...