Charakterystyki rynków lokalnych a decyzje banków dotyczące sieci placówek

• Authors: Krzysztof Jackowicz , Oskar Kowalewski , Łukasz Kozłowski

Title variants

EN

Features of Local Markets and Banks’ Decisions on Outlet Networks

• Languages of publication: PL

Abstracts

PL

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.

EN

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.

Keywords

PL

rynki lokalne; sieci placówek; konkurencja; banki

EN

local markets; branch networks; competition; banks

• Publisher: Wydawnictwo Uniwersytetu Ekonomicznego w Krakowie
• Journal: Zeszyty Naukowe Uniwersytetu Ekonomicznego w Krakowie
• Year: 2014
• Issue: 10(934)
• Pages: 5-17

Contributors

author

Krzysztof Jackowicz

• Akademia Leona Koźmińskiego, Katedra Bankowości i Ubezpieczeń, ul. Jagiellońska 57/59, 03-301 Warszawa, Poland

author

Oskar Kowalewski

• Instytut Nauk Ekonomicznych PAN, Pałac Staszica, ul. Nowy Świat 72, 00-330 Warszawa, Poland

author

Łukasz Kozłowski

• Akademia Leona Koźmińskiego, Katedra Bankowości i Ubezpieczeń, ul. Jagiellońska 57/59, 03-301 Warszawa, Poland

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