2014 | 10(934) | 5-17
Article title

Charakterystyki rynków lokalnych a decyzje banków dotyczące sieci placówek

Title variants
Features of Local Markets and Banks’ Decisions on Outlet Networks
Languages of publication
Celem artykułu jest odpowiedź na pytanie, w jaki sposób charakterystyki ekonomiczne rynków lokalnych wpływają na decyzje polskich banków dotyczące ich sieci placówek. Na podstawie danych z lat 2007–2013 ustalono, że gęstość sieci placówek jest największa na terenach bogatych i zurbanizowanych. Tempo wzrostu liczby placówek jest jednak większe tam, gdzie dotychczas gęstość sieci była niższa. Pozytywnie zarówno na gęstość sieci, jak i tempo jej rozwoju wpływa aktywność ekonomiczna ludności.
This paper investigates how local market features influence the decisions taken by Polish banks regarding their branch networks. It was found that during the period 2007–2013 the density of branch networks was highest in relatively rich and urbanized regions. However, the rate of growth in the number of branches was more rapid in regions whose density of branches had hitherto been lower. It was found, moreover, that the presence of an entrepreneurial population had a positive impact on both the density and growth rate of branches.
  • Akademia Leona Koźmińskiego, Katedra Bankowości i Ubezpieczeń, ul. Jagiellońska 57/59, 03-301 Warszawa, Poland
  • Instytut Nauk Ekonomicznych PAN, Pałac Staszica, ul. Nowy Świat 72, 00-330 Warszawa, Poland
  • Akademia Leona Koźmińskiego, Katedra Bankowości i Ubezpieczeń, ul. Jagiellońska 57/59, 03-301 Warszawa, Poland
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