... La Porta, Lopez-de-Silanes, and Shleifer, 2002; Barth, Caprio, and Levine, 2004; Beck, Demirgüç-Kunt, and Maksimovic, 2004; Berger, Hasan, and Klapper, 2004; Clarke and Cull, 2002; Delfino, 2003 ... loans and the likelihood of allocating loans to a province (Models I and II), the proportion of branches and the likelihood of having at least one branch in a province (Models III and IV) and, ... Governance, and Savings Banks* Manuel Illuecaa, Lars Nordenb, and Gregory F. Udellc a Department of Finance and Accounting, Universitat Jaume I, Spain b Department of Banking and...