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    The determinants of bank branch location in India: An empirical investigation

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    Publication date
    2021-07-06
    Author
    Zhang, Q.
    Arora, Rashmi
    Colombage, S.
    Keyword
    Bank branch
    India
    Financial inclusion
    Financial exclusion
    Panel data
    Public policy
    Rights
    (c) 2021 Emerald Publishing Limited. Full-text distributed under the Creative Commons CC-BY-NC license (https://creativecommons.org/licenses/by-nc/4.0/legalcode)
    Peer-Reviewed
    Yes
    Open Access status
    Green
    
    Metadata
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    Abstract
    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. We present the first study that examines the determinants of bank branching activities in one of the largest developing country India. We employ a unique longitudinal data to study the determinants of bank branch location in India. This data is collected at the state level covering 25 Indian states for the period 2006 to 2017. We employ Poisson regression that are better suited for modelling 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, we 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, we have not come across any study that investigates the determinants of bank branch location in India, so we reasonably believe that ours is a first-of-its-kind. Second, our 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, we employ Poisson regression that are better suited for modelling counted dependent variable.
    URI
    http://hdl.handle.net/10454/18367
    Version
    Accepted manuscript
    Citation
    Zhang Q, Arora R and Colombage S (2021) The determinants of bank branch location in India: An empirical investigation. International Journal of Bank Marketing. 39(5): 856-870.
    Link to publisher’s version
    https://doi.org/10.1108/IJBM-07-2020-0395
    Type
    Article
    Collections
    Management and Law Publications

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