Please use this identifier to cite or link to this item:
Title: Mergers, branch consolidation and financial exclusion in the US bank market
Author: Calzada, Joan
Fageda, Xavier, 1975-
Martínez Santos, Fernando
Keywords: Índex de preus
Estudis de mercat
Competència econòmica
Sistemes de comunicacions mòbils
Price indexes
Market surveys
Mobile communication Systems
Issue Date: 2019
Publisher: Universitat de Barcelona. Facultat d'Economia i Empresa
Series/Report no: [WP E-Eco19/397]
Abstract: We analyze the role of bank mergers as determinants of the evolution of branch presence at the county level. Panel regressions based on county-level branch density are used to study differences across urban versus rural counties as well as pre- and post-crisis. The results indicate that bank mergers contributed to the increase of branches in the pre-crisis period and to its reduction in the post-crisis period, but the expansion effect of the mergers before the crisis mainly took place in metropolitan counties. Additional results show that broadband penetration has contributed to the reduction in the number of branches after the crisis and that branch closures are associated with an increase in the share of unbanked and underbanked households at the county level.
It is part of: UB Economics – Working Papers, 2019, E19/397
Appears in Collections:UB Economics – Working Papers [ERE]

Files in This Item:
File Description SizeFormat 
E19-397_Calzada+Fageda+MtnezSantos.pdf736.74 kBAdobe PDFView/Open

This item is licensed under a Creative Commons License Creative Commons