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Bank Mergers Acquirer Choice And Small Business Lending
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Book Synopsis Bank Mergers, Acquirer Choice and Small Business Lending by : Bernadette A. Minton
Download or read book Bank Mergers, Acquirer Choice and Small Business Lending written by Bernadette A. Minton and published by . This book was released on 2021 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: We examine the effects of bank merger and local market characteristics on local small business lending. Mergers involving small, in-state acquirers are positively associated with small business loan (SBL) originations in counties where target banks are located. Conversely, mergers involving large, out-of-state acquirers are associated with fewer SBL originations. The analysis suggests that the results are driven by acquirer's choice of target. Small and in-state acquirers target banks that focus more on SBL and targets with strong relationships while large, out-of-state acquirers pursue better performing banks with stronger balance sheets and less focus on SBL. Results are particularly strong in counties with a large number of small firms. Post-merger activity supports banks expanding on their acquisition strategy decisions. The findings suggest that acquirer strategy is important for evaluating the impact of acquisitions on local community development and that one-size-fits-all policy solutions for bank mergers may not produce common local outcomes.
Book Synopsis Bank Consolidation and Small Business Lending by : Joe Peek
Download or read book Bank Consolidation and Small Business Lending written by Joe Peek and published by . This book was released on 2000 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Concern with the potential effect of bank mergers on small business lending has stemmed from a belief that larger acquirers may be less willing than their smaller targets to be active in the small business lending market. However, we find that in roughly half the commercial and savings bank mergers of the past three years, the acquirer has a larger portfolio share of small business loans than its target; moreover, the most common acquirer of small banks is another small bank. The empirical results support the hypothesis that acquirers tend to recast the target in their own image, causing small business loan portfolio shares of the consolidated bank to converge toward the pre-merger portfolio share of the acquirer. Since acquirers are almost as likely to have larger as smaller shares of small business loans in their portfolios, compared to their targets, this suggests that not all mergers will shrink small business lending; many will actually increase it.
Book Synopsis Bank Mergers & Acquisitions by : Yakov Amihud
Download or read book Bank Mergers & Acquisitions written by Yakov Amihud and published by Springer Science & Business Media. This book was released on 2013-04-17 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the financial services industry becomes increasingly international, the more narrowly defined and historically protected national financial markets become less significant. Consequently, financial institutions must achieve a critical size in order to compete. Bank Mergers & Acquisitions analyses the major issues associated with the large wave of bank mergers and acquisitions in the 1990's. While the effects of these changes have been most pronounced in the commercial banking industry, they also have a profound impact on other financial institutions: insurance firms, investment banks, and institutional investors. Bank Mergers & Acquisitions is divided into three major sections: A general and theoretical background to the topic of bank mergers and acquisitions; the effect of bank mergers on efficiency and shareholders' wealth; and regulatory and legal issues associated with mergers of financial institutions. It brings together contributions from leading scholars and high-level practitioners in economics, finance and law.
Author :American Bar Association. Section of Antitrust Law Publisher :American Bar Association ISBN 13 :9781590317174 Total Pages :354 pages Book Rating :4.3/5 (171 download)
Book Synopsis Bank Mergers and Acquisitions Handbook by : American Bar Association. Section of Antitrust Law
Download or read book Bank Mergers and Acquisitions Handbook written by American Bar Association. Section of Antitrust Law and published by American Bar Association. This book was released on 2006 with total page 354 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bank Merger and Acquisitions Handbook is a how-to manual for lawyers who must analyze a potential transaction or who are faced with an agency review of the competitive effects of a proposed transaction that would combine banking institutions. Its focus is practical; complementing the Antitrust Section's other publications on merger review including Mergers and Acquisitions, and the Premerger Notification Practice Manual. This book addresses those aspects of bank merger review that are unique to banking institutions - such as the statutory framework, banking agency review, and Justice Department standards - and draws on learning from recent transactions in which one or more of the reviewing agencies raised concerns. It should be helpful to both antitrust lawyers and banking lawyers faced with a bank merger and to banking lawyers faced with a transaction that presents substantive competition issues.
Book Synopsis The Effects of Bank Mergers and Acquisitions on Small Business Lending by : Allen N. Berger
Download or read book The Effects of Bank Mergers and Acquisitions on Small Business Lending written by Allen N. Berger and published by . This book was released on 1997 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :Federal Reserve Federal Reserve Board of Governors Publisher :Createspace Independent Publishing Platform ISBN 13 :9781523389506 Total Pages :46 pages Book Rating :4.3/5 (895 download)
Book Synopsis Bank Consolidation and Small Business Lending by : Federal Reserve Federal Reserve Board of Governors
Download or read book Bank Consolidation and Small Business Lending written by Federal Reserve Federal Reserve Board of Governors and published by Createspace Independent Publishing Platform. This book was released on 2016-01-14 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines how bank merger and acquisition activity affected small business lending in local U.S. banking markets between 1994 and 2000, focusing particularly on the role that community banks played in determining the ultimate effects of consolidation. During the 1994-1997 period, we find evidence that consolidation activity involving big banks was associated with lower loan growth, whereas community bank consolidations and a greater presence of community banks in the market were associated with higher loan growth. During the 1997-2000 period, consolidation activity was either unrelated to small business loan growth or associated with higher loan growth, suggesting that the dynamics of consolidation activity had changed. In both periods, we find evidence that consolidation presented an opportunity for community banks. Once adjustments are made for reclassifications in the size category of organizations due to consolidation or asset growth, we find that the share of small business lending funded by community banks rose during both study periods-particularly in markets undergoing consolidation.
Book Synopsis Bank Acquisition Determinants by : Robert R. Moore
Download or read book Bank Acquisition Determinants written by Robert R. Moore and published by . This book was released on 1997 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Effects of Bank Mergers on Small Business Lending in Germany by : Thomas Bloch
Download or read book The Effects of Bank Mergers on Small Business Lending in Germany written by Thomas Bloch and published by . This book was released on 2008 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Bank Merger Wave: The Economic Causes and Social Consequences of Financial Consolidation by : Gary Dymski
Download or read book The Bank Merger Wave: The Economic Causes and Social Consequences of Financial Consolidation written by Gary Dymski and published by Routledge. This book was released on 2016-09-16 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: This far-reaching study shows that operating efficiencies are not what are driving today's unrelenting bank merger mania. It suggests that bank mergers and consolidation may have effects that are contrary to consumer and non-financial business interests, such as lower rates of interest, increasing fees, and tighter credit constraints. Dymski recommends several new policies to apply to the evaluation of prospective mergers.
Book Synopsis Bank Consolidation and Small Business Lending by : Federal Reserve Board of Governors
Download or read book Bank Consolidation and Small Business Lending written by Federal Reserve Board of Governors and published by CreateSpace. This book was released on 2015-06-04 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines how bank merger and acquisition activity affected small business lending in local U.S. banking markets between 1994 and 2000, focusing particularly on the role that community banks played in determining the ultimate effects of consolidation. During the 1994-1997 period, we find evidence that consolidation activity involving big banks was associated with lower loan growth, whereas community bank consolidations and a greater presence of community banks in the market were associated with higher loan growth. During the 1997-2000 period, consolidation activity was either unrelated to small business loan growth or associated with higher loan growth, suggesting that the dynamics of consolidation activity had changed. In both periods, we find evidence that consolidation presented an opportunity for community banks. Once adjustments are made for reclassifications in the size category of organizations due to consolidation or asset growth, we find that the share of small business lending funded by community banks rose during both study periods-particularly in markets undergoing consolidation.
Book Synopsis Banks, Mergers, and the Affected Communities by : United States. Congress. House. Committee on Financial Services
Download or read book Banks, Mergers, and the Affected Communities written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2004 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Impact of Bank Mergers and Acquisitions on Small Business Lending by :
Download or read book The Impact of Bank Mergers and Acquisitions on Small Business Lending written by and published by . This book was released on 1997 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Art of Bank M&A: Buying, Selling, Merging, and Investing in Regulated Depository Institutions in the New Environment by : Alexandra Lajoux
Download or read book The Art of Bank M&A: Buying, Selling, Merging, and Investing in Regulated Depository Institutions in the New Environment written by Alexandra Lajoux and published by McGraw Hill Professional. This book was released on 2014-01-17 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: Up-to-date guidance for conducting a successful M&A for banks and financial institutions The simmering economic climate since the financial crisis faces a front of new competition and sweeping regulatory reforms expected to drive the U.S. banking sector into consolidation in the next ten years. Capitalizing on the upcoming opportunities will take strategically focused preparation. The Art of Bank M&A is the unprecedented guide to mastering the merger and acquisition of a bank and any other financial institution. M&A transactions involving financial businesses take place in a framework of regulation, which makes them greatly different from those of commercial companies. The specialized coverage in this one-of-a-kind guide gives you an insider's interpretation of the Dodd–Frank Wall Street Reform and Consumer Protection Act, along with the most popular techniques and strategies used to shed and acquire financial entities within the regulation. Straightforward explanations and instructive examples from the real world reveal: Major changes in banking law and unique considerations for bank holding companies The why and how of bank M&As, including how banks achieve growth and value How to value and validate financial businesses, including the basic steps for determining a price range to purchase a bank Trends in practices, controversy, and reporting for transborder bank M&As, including a convenient summary of inbound and outbound transaction regulations Where to find opportunity in distressed and insolvent banks M&A is the most powerful and risky weapon in financial strategy, and like other books in The Art of M&A series, this latest title gives you everything you need to be savvy in the M&A arena. To prepare for the coming surge in bank mergers and acquisitions, turn to the unmatched, sector-specific guidance in The Art of Bank M&A. Whether you're a senior bank manager, a government regulator, or an individual investor, The Art of Bank M&A covers everything you need to know about the unique economic structures of banks and financial institutions and the federal regulations they must operate within. Sweeping changes brought on by the Dodd-Frank Act as well as the new economic environment still emerging from the 2007–2009 financial crisis makes this timely guide a must-read for everyone involved in banking and M&A. From valuing a business entity to post-merger integration, this conveniently organized guide walks you through every important step of a bank M&A, including: The regulatory framework of bank mergers, and the strategies and standards driving the transaction The reasons behind banks combining their resources, processes, and responsibilities through mergers How to put a price on the value one financial entity brings to another How banks create value through synergy 250 critical questions on the minds of today's forward-thinking professionals Even if you're not directly involved in M&A transactions, this book provides both institutional and individual investors with useful information on the latest investment vehicles and strategies for making money on bank stocks. Before opportunity washes away, learn The Art of Bank M&A.
Book Synopsis Bank Consolidation and Small Business Lending by : Robert B. Avery
Download or read book Bank Consolidation and Small Business Lending written by Robert B. Avery and published by . This book was released on 2014 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines how bank merger and acquisition activity affected small business lending in local U.S. banking markets between 1994 and 2000, focusing particularly on the role that community banks played in determining the ultimate effects of consolidation. During the 1994-1997 period, we find evidence that consolidation activity involving big banks was associated with lower loan growth, whereas community bank consolidations and a greater presence of community banks in the market were associated with higher loan growth. During the 1997-2000 period, consolidation activity was either unrelated to small business loan growth or associated with higher loan growth, suggesting that the dynamics of consolidation activity had changed. In both periods, we find evidence that consolidation presented an opportunity for community banks. Once adjustments are made for reclassifications in the size category of organizations due to consolidation or asset growth, we find that the share of small business lending funded by community banks rose during both study periods - particularly in markets undergoing consolidation.
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs Publisher : ISBN 13 : Total Pages :532 pages Book Rating :4.F/5 ( download)
Book Synopsis Bank Mergers by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs
Download or read book Bank Mergers written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs and published by . This book was released on 1992 with total page 532 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Large Bank Mergers by : United States. General Accounting Office
Download or read book Large Bank Mergers written by United States. General Accounting Office and published by . This book was released on 1999 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :208 pages Book Rating :4.0/5 ( download)
Book Synopsis Recent Trends in Bank Consolidation and Interstate Mega-mergers by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Recent Trends in Bank Consolidation and Interstate Mega-mergers written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 1996 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt:
