TAILIEUCHUNG - Geographic and Demographic Bank Outreach: Evidence from Germany’s Three-Pillar Banking System

Biological diversity (or biodiversity for short) is one of the most intriguing features of life. Why are there so many insects on Earth and so few mammals? Why is biodiversity richest in the tropics, rather than being spread smoothly across the planet ( )? Why do different continents have different pat- terns of diversity? Almost everywhere on Earth, for example, placental mam- mals make up the vast diversity of mammal diversity. On Australia, however, there is a huge diversity of marsupial mammals. Biodiversity has also formed striking patterns through the history of life, as illustrated in . A large team of scientists produced this graph by ana- lyzing. | Thunen-Series of Applied Economic Theory Thunen-Reihe Angewandter Volkswirtschaftstheorie Working Paper No. 98 Geographic and Demographic Bank Outreach Evidence from Germany s Three-Pillar Banking System by Alexander Conrad Doris Neuberger and Maria Schneider-ReiBig Universitat Rostock Wirtschafts- und Sozialwissenschaftliche Fakultat Institut fur Volkswirtschaftslehre 2008 Geographic and Demographic Bank Outreach Evidence from Germany s Three-Pillar Banking System Alexander Conrad Doris Neuberger and Maria Schneider-Reifiig University of Rostock Summary This paper investigates the performance of Germany s three-pillar banking system in providing financial services nationwide regarding different outreach indicators. At the federal state level bank outreach shows South-North and West-East gaps. Combining regional and bank data at the district level for 2005 we examine the determinants of geographic and demographic branch penetration of the regional savings and cooperative banks. Both banking groups provide a larger branch penetration in more wealthy regions but maintain a larger number of branches per inhabitant in less densely populated regions easing access to retail banking services. With their comparatively large branch penetration in less wealthy regions public savings banks help to reduce regional economic disparities. The branch penetration of both banking groups increases with the share of elder people and bank size in a region. Because of their public mission to serve all regions public savings banks foster competition. Zusammenfassung Geographische und demographische Reichweite von Banken Empirische Evidenz fur Deutschlands Dreisaulen-Bankensystem Der Beitrag untersucht die flachendeckende Bereitstellung von Finanzdienstleistungen durch das deutschen Dreisaulen-Bankensystem wobei unterschiedliche Indikatoren der Reichweite betrachtet werden. Auf der Ebene der Bundeslander zeigen sich Sud-Nord und West-Ost-Gefalle. Durch Verknupfung von Regional- und .

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