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Branch Banking and the Geography of Bank Pricing

Paul S. Calem and Leonard I. Nakamura
The Review of Economics and Statistics
Vol. 80, No. 4 (Nov., 1998), pp. 600-610
Published by: The MIT Press
Stable URL: http://www.jstor.org/stable/2646841
Page Count: 11
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Since scans are not currently available to screen readers, please contact JSTOR User Support for access. We'll provide a PDF copy for your screen reader.
Branch Banking and the Geography of Bank Pricing
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Abstract

We show that bank branching tends to mitigate localized market power by broadening the geographic scope of competition among banks, even though branch banking allows banks to differentiate themselves through their choices of branch locations. Banking services at peripheral locations will be priced more competitively when those locales are served by branch networks. We develop a theoretical model in support of this view and offer empirical evidence.

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