{"title":"Banking in the Bush","authors":"Florian Ploeckl, Adam Baird","doi":"10.1111/1475-4932.12879","DOIUrl":null,"url":null,"abstract":"<p>The State Savings Bank of Victoria (SSBV) played a pivotal role as the first public bank to offer financial services, including deposit banking and agricultural loans, across rural areas in Victoria. This study investigates the spatial distribution and activities of the SSBV within rural municipalities between Federation and World War I. The SSBV's presence exhibited a nuanced interplay between population density and spatial coverage but was primarily associated with its deposit banking services. Agricultural loans demonstrated a correlation with both population patterns and agricultural suitability of each municipality, while deposit banking volumes at SSBV locations closely tracked local economic activity reflected by the revenues of corresponding local post offices. Furthermore, despite losing its post office distribution network to the newly established Commonwealth Bank in 1912, the SSBV successfully attracted additional new customers in locations where it created new full branch offices in response.</p>","PeriodicalId":47484,"journal":{"name":"Economic Record","volume":"101 S1","pages":"3-25"},"PeriodicalIF":1.1000,"publicationDate":"2025-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/1475-4932.12879","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Economic Record","FirstCategoryId":"96","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1111/1475-4932.12879","RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"ECONOMICS","Score":null,"Total":0}
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Abstract
The State Savings Bank of Victoria (SSBV) played a pivotal role as the first public bank to offer financial services, including deposit banking and agricultural loans, across rural areas in Victoria. This study investigates the spatial distribution and activities of the SSBV within rural municipalities between Federation and World War I. The SSBV's presence exhibited a nuanced interplay between population density and spatial coverage but was primarily associated with its deposit banking services. Agricultural loans demonstrated a correlation with both population patterns and agricultural suitability of each municipality, while deposit banking volumes at SSBV locations closely tracked local economic activity reflected by the revenues of corresponding local post offices. Furthermore, despite losing its post office distribution network to the newly established Commonwealth Bank in 1912, the SSBV successfully attracted additional new customers in locations where it created new full branch offices in response.
期刊介绍：
Published on behalf of the Economic Society of Australia, the Economic Record is intended to act as a vehicle for the communication of advances in knowledge and understanding in economics. It publishes papers in the theoretical, applied and policy areas of economics and provides a forum for research on the Australian economy. It also publishes surveys in economics and book reviews to facilitate the dissemination of knowledge.
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