In view of the intense competition in the banking industry all over the world, managers of both commercial and public banks more and more are applying marketing strategy techniques in the operations. The use of marketing techniques in banking becomes even more important in developing country environments, as the supply of bank services far exceeds the demand in most cases. To be able to remain competitive, commercial banks in developing countries need to be more market‐oriented. In the light of this, the factors used in selecting a private/public commercial bank in an advanced developing country – Turkey – are examined. Study results indicate that there are differences among bank customers in their bank patronage behaviour when demographic and socioeconomic factors are considered.

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