Branch bank operating costs: evidence from savings banks in Finland Academic Article uri icon


  • Empirical findings on branch bank operating costs are presented. The analyses examine 1988 data for 646 individual branch offices representing 43 savings banks in Finland. Another sample of 48 unit banks with no branches is collected. Comparisons of plant scale economies are made using the more traditional approach based on aggregate branch bank data versus individual branch office data. Moreover, effects of the number of branches in the branching organization on individual branch office operating costs are examined. Finally, direct comparisons of branch office versus unit bank operating costs are provided. 1992, Taylor & Francis Group, LLC. All rights reserved.

published proceedings

  • Applied Economics

author list (cited authors)

  • Kolari, J., Zardkoohi, A., Santalainen, T., & Suvanto, A.

citation count

  • 1

complete list of authors

  • Kolari, James||Zardkoohi, Asghar||Santalainen, Timo||Suvanto, Antti

publication date

  • April 1992