Bank offices everywhere

I believe that I have not mentioned how banks have still very dense office density in Spain. Bank offices have been facing also vandalism. For example I had four Caixa bank offices within one kilometer from my apartment. Also I was able to pay a bill for free in a Spanish bank office. In Finland many bank offices have been closed and you will be charged for paying bills in the bank office.

The number of bank offices has decreased almost 50 % in Spain and in Finland between 2009 and 2018. Still in 2018 the density of bank offices was higher in Spain than in Finland in 2009. Still in 2018 there were almost 4 times more bank offices per person in Spain than in Finland. We can come into a conclusion that banks in Spain have bigger cost saving potential than banks in Finland by closing offices providing customer service.

The second chapter was added and the first chapter was edited 4.1.2020

Sources

• https://yle.fi/uutiset/3-11141706
• https://cincodias.elpais.com/cincodias/2019/03/22/companias/1553289119_647990.html