... micro-foundations of growth of bank branch network. The granularity of the approach adopted here overcomes the confoundedness problems that the studies at a more aggregate level face. Financial access Banking Spatial distribution Branch expansion G21 G28 R12 R51 We merge this data...

..., and branch market concentration. Findings Using data from 2016, it has been found that branch numbers in districts are determined chiefly by five factors that describe their economic development, population size with its characteristics, and existent branch concentration. The spatial distribution of bank...