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Basis for the selection of regions when expanding the activity of commercial banks to improve their competitiveness

Vol. 18, Iss. 6, JUNE 2019

Received: 19 February 2019

Received in revised form: 4 March 2019

Accepted: 4 April 2019

Available online: 28 June 2019

Subject Heading: ANALYSIS OF COMPETITIVE ABILITY

JEL Classification: C22, D22, D43, G21

Pages: 1140–1151

https://doi.org/10.24891/ea.18.6.1140

Prokof'ev I.A. Federal Treasury Department of Tula Oblast, Tula, Russian Federation
prokofiev23@mail.ru

ORCID id: not available

Subject The article offers a method to increase the competitiveness of commercial banks based on dynamic view of competitive processes through the implementation of inter-regional expansion.
Objectives The purpose is to identify the specifics of the banking services market functioning and its opportunities for entrepreneurs, to provide a rationale for improving the competitiveness of commercial banks when implementing the policy of inter-regional expansion.
Methods The study employs the methods of logical (inductive) and mathematical and statistical analysis.
Results When assessing the possibility to expand the activities of a commercial bank through inter-regional expansion into the areas adjacent to the Tula Oblast, I reveal a possibility of increasing the potential interest income by more than four percent.
Conclusions I conclude on the possibility for a commercial bank to increase its competitiveness when implementing the policy of inter-regional expansion to the neighboring areas.

Keywords: competitiveness, interbank competition, geographical spread, attracted and deposited funds, linear model

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