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Many banks see an acquisition or merger as a chance to expand their reach or scale up operations quicker. Yet, a bank acquisition is not without its drawbacks as well — particularly for the unprepared banking executive.
Not only does an acquisition give your bank more capital to work with when it comes to lending and investments, but it also provides a broader geographic footprint in which to operate.
That way, you achieve your growth goals quicker. Efficiency Acquisitions also scale your bank more efficiently, not just in terms of your efficiency ratio, but also in terms of your banking operations. Financially, a larger bank has a lower aggregated risk profile since a larger number of similar-risk, complimentary loans decrease overall institutional risk.
Business Gaps Filled Bank mergers and acquisitions empower your business to fill product or technology gaps.
Mergers & Acquisitions of Banks in the USA - Introduction The trend of Bank Mergers in the U.S. Banking Industry The trend of Bank mergers took a hike in the United States of America since the s. If mergers are for building synergies, then the mergers are said to be beneficial to the firm. Moreover, mergers bring synergy in a firm’s earnings and this helps to increase the shareholder’s value. Bank mergers have increased rapidly in the past few years. Many wonder are so many mergers really necessary. The consolidation of two large banks could affect the relationship between the community, customer and the employee.
Acquiring a smaller bank that offers a unique revenue model or financial product is sometimes easier than building that business unit from scratch. And, from a technology perspective, being acquired by a larger bank might allow your institution to upgrade its technology platform significantly.
An acquisition presents the possibility of bolstering your sales team or strengthening your team of top managers, and this human element should not be ignored or downplayed.
Failure to assess cultural fit not just financial fit is one reason why many bank mergers ultimately fail. Throughout the merger and acquisition process, be sure to thoroughly communicate and double-check that employees are adapting to the change. Not Enough Commitment Execution risk is another major danger in bank mergers.
Avoid this mistake by dedicating enough resources for a full integration of the two financial institutions. And once the merger or acquisition is fully underway, remember to consider the impact on your customers at every stage: Compliance And Risk Consistency A final danger to consider during your next merger or acquisition is the risk and compliance culture of each bank involved.
Looking for more advice on your upcoming middle-market bank merger or acquisition? Click below to download our free guide:Mergers And Acquisitions.
The value of mergers and acquisitions remain a topical issue within the contemporary business world. Whether these activities are beneficial to the economy or are simply meant to stifle competition is open to debate.
Plenty of prospective bank mergers and acquisitions only look at the two banks on paper – without taking their people or culture into account. Failure to assess cultural fit (not just financial fit) is one reason why many bank mergers ultimately fail.
Bank mergers can improve competition and can be beneficial to the community if both financial institutions are in agreement with doing what is best for everyone involved. Banks should consider other options before taking a chance on losing good customers, loyal employees and trust in the community.
The conclusion from this case study support my hypothesis that, whether stakeholders benefit from the merger and acquisition, because on the one hand, sometimes the merger and acquisition is beneficial for shareholders of the merging /or acquiring bank.
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