Geographic and Demographic Bank Outreach: Evidence from Germany's Three-Pillar Banking System
JOURNAL ARTICLE
Cite JOURNAL ARTICLE
Style
Format
Geographic and Demographic Bank Outreach: Evidence from Germany's Three-Pillar Banking System
Conrad, Alexander | Neuberger, Doris | Schneider-Reißig, Maria
Credit and Capital Markets – Kredit und Kapital, Vol. 42 (2009), Iss. 3 : pp. 377–411
10 Citations (CrossRef)
Additional Information
Article Details
Author Details
Alexander Conrad, Universität Rostock, Institut für Volkswirtschaftslehre, Lehrstuhl für Geld und Kredit, Ulmenstraße 69, D-18057 Rostock.
Prof. Dr. Doris Neuberger, Universität Rostock, Institut für Volkswirtschaftslehre, Lehrstuhl für Geld und Kredit, Ulmenstraße 69, D-18057 Rostock.
Maria Schneider-Reißig, Universität Rostock, Institut für Betriebswirtschaftslehre, Lehrstuhl für ABWL, Bank- und Finanzwirtschaft, Ulmenstraße 69, D-18057 Rostock.
Cited By
-
Persistent and Emerging Challenges to Development
Financial Inclusion in India: An Intertemporal Study
Dutta, Papita
2022
https://doi.org/10.1007/978-981-16-4181-7_19 [Citations: 0] -
The effect of financial inclusion and economic integration on green growth in ASEAN
Putra, Anak Agung Ketut Agung Dharma | Oktora, Siskarossa IkaJournal of Economics and Development, Vol. 26 (2024), Iss. 3 P.189
https://doi.org/10.1108/JED-09-2023-0169 [Citations: 0] -
Home-Field Advantage or a Matter of Ambiguity Aversion? Local Bias Among German Individual Investors
Baltzer, Markus | Stolper, Oscar Anselm | Walter, AndreasSSRN Electronic Journal, Vol. (2012), Iss.
https://doi.org/10.2139/ssrn.2171248 [Citations: 2] -
Banks in Disadvantaged Areas
Burgstaller, Johann
Credit and Capital Markets – Kredit und Kapital, Vol. 45 (2012), Iss. 1 P.51
https://doi.org/10.3790/kuk.45.1.51 [Citations: 1] -
Physische und digitale Erreichbarkeit von Finanzdienstleistungen der Sparkassen und Genossenschaftsbanken
Conrad, Alexander | Hoffmann, Alexander | Neuberger, DorisReview of Regional Research, Vol. 38 (2018), Iss. 2 P.255
https://doi.org/10.1007/s10037-018-0121-7 [Citations: 6] -
Is Local Bias a Cross-Border Phenomenon? Evidence from Individual Investors’ International Asset Allocation
Baltzer, Markus | Stolper, Oscar Anselm | Walter, AndreasSSRN Electronic Journal, Vol. (2012), Iss.
https://doi.org/10.2139/ssrn.2200821 [Citations: 0] -
Bank Office Outreach, Structure and Performance in Regional Banking Markets
Burgstaller, Johann
Regional Studies, Vol. 47 (2013), Iss. 7 P.1131
https://doi.org/10.1080/00343404.2011.607809 [Citations: 17] -
Is local bias a cross-border phenomenon? Evidence from individual investors’ international asset allocation
Baltzer, Markus | Stolper, Oscar | Walter, AndreasJournal of Banking & Finance, Vol. 37 (2013), Iss. 8 P.2823
https://doi.org/10.1016/j.jbankfin.2013.04.009 [Citations: 34] -
Home-field advantage or a matter of ambiguity aversion? Local bias among German individual investors
Baltzer, Markus | Stolper, Oscar | Walter, AndreasThe European Journal of Finance, Vol. 21 (2015), Iss. 9 P.734
https://doi.org/10.1080/1351847X.2013.877514 [Citations: 30] -
Financial Inclusion, Regulation, and Education in Germany
Neuberger, Doris
SSRN Electronic Journal, Vol. (2015), Iss.
https://doi.org/10.2139/ssrn.2627488 [Citations: 5]
Abstract
Geographic and Demographic Bank Outreach: Evidence from Germany's Three-Pillar Banking System
This paper investigates the performance of Germany's three-pillar banking system in providing financial services nationwide, regarding different outreach indicators. At the federal state level, bank outreach shows South-North and West-East gaps. Combining regional and bank data at the district level for 2005, we examine the determinants of geographic and demographic branch penetration of the regional savings and cooperative banks. Both banking groups provide a larger branch penetration in more wealthy regions, but maintain a larger number of branches per inhabitant in less densely populated regions, easing access to retail banking services. With their comparatively large branch penetration in less wealthy regions, public savings banks help to reduce regional economic disparities. The branch penetration of both banking groups increases with the share of elder people and bank size in a region. Because of their public mission to serve all regions, public savings banks foster competition. (JEL G21, L1, L2)