Bank Office Outreach, Structure and Performance in Regional Banking Markets

Symmetric and asymmetric effects of proximities. The case of M&A deals in Italy

“…Markusen, 1985;Chapman, 2003;Rodríguez-Pose and Zademach, 2003). M&A activity in banking has also led to a huge increase in the spatial concentration of banking in a few financial centres (Colombo and Turati, 2012;Boschma and Hartog, 2013;Burgstaller, 2013).…”

Characteristics of bank financial intermediation in Croatian counties

“…International literature points to a lack of research on the impact of financial intermediation on regional development (Rodriguez-Fuentes, 1996; Dow, 1987;Crocco et al, 2010;and Burgstaller, 2013). This is due to limited access to data, but also due to the theoretical perception of a neutral role of money and financial intermediation in achieving economic growth.…”

“…-Counties that are underdeveloped in terms of economic characteristics and financial development level and infrastructure generally record higher loanto-deposit ratio, larger shares of non-performing loans in total loans, lower deposit amounts per capita, poorer financial infrastructure and lower levels of development. These findings correspond to the findings of international studies (Burgstaller, 2013), and they necessitate further review of the impact of banks' credit policies and inflows of funds into underdeveloped counties and the ensuing potential influence on economic growth. Moreover, they highlight an interesting aspect of banks' operations in the Republic of Croatia, i.e.…”

“…They concluded that companies in financially more developed counties with relatively considerable foreign funding grow faster. Burgstaller (2013) uses spatial regression analysis to explore bank penetration, market structure and bank operations in Austrian counties. He argues that less developed counties show higher borrowing rates and lower saving rates, whereas bank concentration has no effect on differences in interest rates among counties, profitability or bank efficiency.…”

Financial Exclusion in Australia: Can Islamic Finance Minimise the Problem?

“…It has increased the financial inclusion of the well of but having an adverse effect for the lower income group who are still trapped in their vicious cycle of social deprivation and poverty. On the other hand, when rules on financial transactions have become tighter to combat financial crimes, such as money laundering, it significantly bars certain group of people from accessing certain financial services and products in some countries (Burgstaller 2013). Similarly, the vast changes in technological advancement have leads to some sort of financial exclusion as the older generation find it difficult to cope with the higher dependency on technology where most of the traditional banking services have been taken over by modern technology, such as internet and phone banking (Anderloni et al 2006;Atkinson 2006;Kempson 2001).…”