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dc.contributor.authorAlamá Sabater, Luisa
dc.contributor.authorConesa, David
dc.contributor.authorForte Deltell, Anabel
dc.contributor.authorTortosa-Ausina, Emili
dc.date.accessioned2016-05-12T09:31:35Z
dc.date.available2016-05-12T09:31:35Z
dc.date.issued2014-12
dc.identifier.citationALAMÁ, L., et al. The geography of Spanish bank branches. Journal of Applied Statistics, 2015, 42.4: 722-744.ca_CA
dc.identifier.issn0266-4763
dc.identifier.urihttp://hdl.handle.net/10234/159577
dc.description.abstractThis article analyzes the determinants of bank branch location in Spain taking the role of geography explicitly into account. After a long period of intense territorial expansion, especially by savings banks, many of these firms are now involved in merger processes triggered off by the financial crisis, most of which entail the closing of many branches. However, given the contributions of this type of banks to limit financial exclusion, this process might exacerbate the consequences of the crisis for some disadvantaged social groups. Related problems such as new banking regulation initiatives (Basel III), or the current excess capacity in the sector add further relevance to this problem. We address this issue from a Bayesian perspective, using a Poisson regression model within the framework of generalized linear mixed models. This proposal allows us to assess whether over-branching or under-branching has taken place. Our results suggest, among other findings, that both phenomena are present in the Spanish banking sector, although the implications for the three types of banks in the industry, namely commercial banks, savings banks or credit unions, vary a great deal.ca_CA
dc.format.mimetypeapplication/pdfca_CA
dc.language.isoengca_CA
dc.publisher© 2015 Taylor & Francisca_CA
dc.relation.isPartOfJournal of Applied Statistics, Volume 42, Issue 4, 2015, pages 722-744ca_CA
dc.rights© 2015 Taylor & Francisca_CA
dc.subjectbankca_CA
dc.subjectBayesian statisticsca_CA
dc.subjectbranchca_CA
dc.subjectmunicipalityca_CA
dc.subjectC11ca_CA
dc.subjectG21ca_CA
dc.subjectR1ca_CA
dc.titleThe geography of Spanish bank branchesca_CA
dc.typeinfo:eu-repo/semantics/articleca_CA
dc.identifier.doi10.1080/02664763.2014.980792
dc.rights.accessRightsinfo:eu-repo/semantics/restrictedAccessca_CA
dc.relation.publisherVersionhttp://www.tandfonline.com/doi/abs/10.1080/02664763.2014.980792ca_CA


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