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Because of the intangible and inseparable characteristics of the bank services, every bank needs to locate these services and branches at locations which provide accessibility to the greatest numbers of both major categories of potential customers—private individuals and firms (i.e. corporate customers). This article presents the major channels of distribution for banking services and the four main types of quantitative techniques available for bank branch location decisions—economic, spatial, bivariate and multiple regression methods. The article indicates the leading bank distribution strategies—defensive, offensive and rationalisation strategies—and attempts to assess the impact of new technology developments—particularly of Electronic Fund Transfer Systems (EFTS) and Automatic Teller Machines (ATMs)—on the future of distribution of bank services and branch location.

Bank branching plays a significant role in a wide range of economic activities. Existing studies on determinants of bank branching activities largely focus on developed countries; studies devoted to developing countries are scant. The purpose of this paper is to examine the determinants of bank branching activities in one of the largest developing country India.

The authors employ a unique longitudinal data to study the determinants of bank branch location in India. These data are collected at the state level covering 25 Indian states for the period 2006–2017. The authors employ Poisson regression that are better suited for modeling counted dependent variable.

First, region and bank specific factors such as size of population and bank deposits influence location of bank branches. Second, the relationship between these factors and branch locations is heterogeneous across different types of banks and across states with different business environments.

First, from the view of banks, considering the factors of branch location are crucial in order to set out branching strategy. Irrespective of policy measures aimed at promoting financial inclusion in India, the authors show that banks consider economic activities in the region in locating their branches. Second, from the view of policy makers and regulators, such branching strategy could potentially contribute to financial exclusion. As a result, population in the less developed regions may be excluded from accessing financial services. Hence, policy makers and regulators should take into this account when formulating policies aimed at promoting financial inclusion.

First, while existing studies largely focus on developed countries, studies devoted to developing countries are scant. To the best of our knowledge, the authors have not come across any study that investigates the determinants of bank branch location in India, so the authors reasonably believe that this study is a first-of-its-kind. Second, the study provides a new perspective concerning how regional and bank specific factors influence banks of different ownership in locating branches. Third, while traditional regression used to be a method of choice among early studies, the authors employ Poisson regression that is better suited for modeling counted dependent variable.

Marketing of international banking services in the Asia Pacific region must proceed from understanding both the locational needs of international banks and of the financial centres in which they locate. Presents the findings of a detailed series of interviews in major financial centres and by major financial sector. These mesh with findings found in the surveyed location literature. Also explores the development of international financial centres as this is closely tied to location of financial firms. Concludes that the sort of sectoral locational analysis conducted here provides highly useful information for the location of international banking in the major Asia Pacific centres. Hong Kong, Singapore and Tokyo are, not surprisingly, the prime locations for marketing the broadest array of international banking services.

This case study reports on the ways in which the five major clearing banks (Lloyds, Barclays, Midland, National Westminster and Williams and Glyn's) attempted to attract new student accounts at the beginning of the academic year 1978‐1979; how successful they were in obtaining these new accounts; and what were the major influences that attracted students to join particular banks.

The purpose of this paper is to investigate and comment on the factors used by Australian students to select their bank and the products and services they utilise, based on responses to an online questionnaire.

A mixed-methods approach, incorporating both qualitative and quantitative methods, was used to investigate this research issue. Convenience sampling resulted in 276 completed online responses. Mean ranking and factor analysis methods were employed to identify the key factors used in selecting a bank and frequency analysis used to examine the products and services utilised by students.

The key factors used by students to select a bank in Australia were bank competence, recommendations and outside influences, bank costs, returns and services, and finally location. The main bank products and services used by students were automated teller machines (ATMs), savings accounts, internet and telephone banking, and debit cards.

The use of an online survey which limits the pool of respondents to internet users and, the sample size limits generalisability of the findings.

Banks can better target and understand the key determinants used by students in selecting a bank and the products and services this group values. This will allow Australian banks to develop programs to better attract and retain student customers.

Provides insight to and understanding of the determinants used by students to select their bank and the products and services they utilise. Furthermore, this study fills a gap in the literature by focusing on the banking behaviour of Australian students, an important segment of bank customers previously under-researched.

To plan an appropriate marketing strategy for attracting new customers, commercial banks need to identify the criteria on which potential customers determine their bank selection decision. The study focuses on examining the bank selection criteria being employed by college students in Bahrain. A total of 1,000 students aged 19‐24 (45 per cent male and 55 per cent female) of the University of Bahrain served as a sample for the study. Our examination relied on 30 selection factors extracted from relevant literature, personal experience and interviews with some bank officials and college students. Findings reveal that the chief factors determining college students’ bank selection are: bank’s reputation, availability of parking space near the bank, friendliness of bank personnel, and availability and location of automated teller machines (ATM). Findings suggest that it may be necessary to deal with male and female students as distinctive segments with different priorities in their bank selection process.

This chapter explores the political economy of banking in Texas at the turn of the last century. The empirical work sheds light on why Texans voted to allow the chartering of banks by the state government. The evidence shows that county-level voting patterns for state-chartered banks were significantly related to business interests, consumer interests, agricultural activity, and the presence of existing national banks. The work also shows that the first counties to receive the new state banks were associated with higher agricultural activity, larger population size, and the presence of existing national banks. By examining the vote and the location of early entrants in state banking, this chapter contributes to the literature exploring the historical development of state-chartered banking and the dual-banking system in the US.

Islamic banking provides financial products and services to fulfill the transaction needs of Muslim consumers, and Muslim students are potential consumers who can support the development of Islamic financial institutions. This study aims to examine the factors that influence the intentions of Muslim students to save in Islamic banks. Independent variables in this study are a parental recommendation, location, profit sharing, religiosity, knowledge and financial information disclosure.

The samples in this study are Muslim university students in Indonesia and are divided into two groups as follows: the first group has an educational background in Islamic economics gained at Islamic universities, while the second group is studying at public universities and so do not have a background of this type. The study uses questionnaires to gather data and analyzes this data using a multiple linear regression model.

For the first group, this study finds that profit-sharing, religiosity, knowledge and financial information disclosure influence the intentions of Muslim students to save in Islamic banks. The results for the second group show that parental recommendation, profit sharing and religiosity influence the intentions of Muslim students without an Islamic economic background to save in Islamic banks.

The implications of this study are that the university environment can influence the intention of students to save in accounts at Islamic banks. As students form an important market segment for the banking industry as a new source of accounts and for future profitability, interested parties and in particular Islamic banks may wish to consider these results as part of their strategies for attracting customers.

The respondents of this study consist of Muslim students in Islamic and public universities in Indonesia. The different backgrounds of the students can describe intention levels in their assessments of Islamic banks.

This paper aims to examine whether credit ratings of banks are related to their location, i.e. inside or outside the Euro Area.

The authors estimate a multilevel ordered probit model for banks’ credit ratings in 2011 and control for bank-specific factors. They use the overall ratings and the external support ratings provided by Fitch as the dependent variable.

Banks located in Euro Area member countries, on average, receive a higher credit rating from Fitch than banks located outside the Euro Area. Evidence for a “too-big-to-fail” and a “too-big-to-rescue” effect was also found.

The monetary union effect on banks’ credit ratings may be affected by the period under investigation. The ratings refer to August 2011, when the European sovereign debt crisis was at its height. This implies that, if anything, the Economic and Monetary Union (EMU) effect is underestimated.

Large banks in the Euro Area receive higher credit ratings, so they have a competitive advantage over small banks located outside the Euro Area.

The present evidence suggests that small European countries with an extensive banking sector will be better off if they are member of the European EMU.

The relationship between location of banks and their credit ratings has hardly been researched before. The present evidence is directly related to a debate in the literature on this issue.

The purpose of this paper is to examine the impact of bank branch location on the likelihood of bank failure during the most recent financial crisis.

This paper estimates the probit regression to identify the causes of bank failures and attempts to determine the role of branch location in bank performance.

Using data from failed and surviving banks in Georgia and Florida, this paper finds that diversifying the balance sheet and operating in more competitive markets reduced failure rates, but branching intensity, measured by number of branches and distance of branches from the home office did not significantly reduce the probability of failure. This suggests that, at least in today ' s market, it is not important to bank stability to have a branching network a significant distance from the home office.

This paper carefully considers the role of branch location in the likelihood of bank failure during financial distress. As such, it contributes to the historical policy debate regarding regulation prohibiting or minimizing banks ' ability to branch. It also contributes to our understanding of how banks structure their branching networks in the contemporary banking environment.