Bibliographic citations
Santamaría, S., (2021). Determinación de la expansión geográfica bancaria y la maximización de beneficios [Trabajo de investigación, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/657978
Santamaría, S., Determinación de la expansión geográfica bancaria y la maximización de beneficios [Trabajo de investigación]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2021. http://hdl.handle.net/10757/657978
@misc{renati/1290962,
title = "Determinación de la expansión geográfica bancaria y la maximización de beneficios",
author = "Santamaría Nieri, Sebastí",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2021"
}
The geographic banking expansion has devolved over time with a solid view where new users get interested in joining the financial system. This evolution has been achieved because commercial banks have increased new and more access branches in order to allow people to use financial instruments such as, offices, ATMs, correspondent tellers, among others. In this sense, the present research analyzes the relationship between this expansion on access points and the benefits of banks, using a variable called "Net Financial Margin". Therefore, will been shown a theoretical framework that connects this theory with the previous literature. The net financial margin has been related with higher rates of leverage funding in an economy; also, with market concentration influences and with operational efficiency that can be developed through economies of scale and scope. For the present analysis, it has been hypothesized that geographic banking expansion allows commercial banks, with a positive relationship, to obtain greater profits in the short and long term. This will be demonstrated by econometric estimates with fixed effects parameters.
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