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 …

intermediate socially optimal level of bank competition. We provide a novel theory of bank opacity. The cost of opacity is more … runs, and face a threat of entry. Higher competition increases deposit rates and bank fragility, resulting in an … is to deter entry of competitors, which increases bank charter value. Banks can be excessively opaque, motivating …