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The determinants of retail bank fees in Central Europe
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SYSNO ASEP 0348762 Document Type C - Proceedings Paper (int. conf.) R&D Document Type Conference Paper Title The determinants of retail bank fees in Central Europe Author(s) Dvořák, P. (CZ)
Hanousek, Jan (NHU-C) RIDSource Title 28th International Conference on Mathematical Methods in Economics 2010, Part II. - České Budějovice : University of South Bohemia in České Budějovice, Faculty of Economy, 2010 / Houda Michal ; Friebelová Jana - ISBN 978-80-7394-218-2 Pages s. 123-127 Number of pages 5 s. Action 28th International Conference on Mathematical Methods in Economics 2010 Event date 08.09.2010-10.09.2010 VEvent location České Budějovice Country CZ - Czech Republic Event type CST Language eng - English Country CZ - Czech Republic Keywords bank fees ; Central and Eastern Europe ; international comparison ; structure conduct performance hypothesis Subject RIV AH - Economics CEZ MSM0021620846 - NHU-C UT WOS 000287979900021 Annotation We analyze a unique dataset to test an empirical model of retail bank fee determinants in five Central European countries. Due to the data structure we can cope with heterogeneity and cross-subsidization by employing a representative customer fee index instead of using variables associated with individual fees. We find support for the Structure-Conduct-Performance hypothesis about i) the effect of industry concentration on the relative size of a bank’s fees, ii) the importance of differences in reliance on cashless payments, and iii) differences in the labor intensity and technology level of a bank’s operations on the bank’s pricing decision. Overall, we also show that the cross-country differences in retail bank fees can be explained by fundamental economic factors. Workplace Economics Institute - CERGE Contact Tomáš Pavela, pavela@cerge-ei.cz, Tel.: 224 005 122 Year of Publishing 2011
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