By analyzing the branching patterns of deposit financial institutions in Osaka Prefecture, I find that post office locates branches in accordance with area, population, ratio of elderly people and the number of enterprise. Financial industries are divided into four groups: post office, private A (city bank, regional bank, trust bank and etc), private B (credit bank, credit union, labor bank), private C (Japan Agricultural Cooperatives). In comparison with other prefectures, the branching patterns in Osaka Prefecture have following two features. Private A shows significant positive sign in area, which is the first case. In the analysis of most prefectures, area shows significant negative sign. Private B shows significant negative sign in area, which is also the first case. These facts suggest that private A locates branches in wider area and private B locates branches in narrower area in comparison with other prefectures.
