Mergers In Banking

4 April 2015
Incidence in 1990s, reasons for, structure, four examples from 1994-1995, benefits & problems.

Recent years have seen a great deal of merger and acquisition (M&A)activity in the banking industry, a result of deregulation and the desire of thrifts to take advantage of the ability to establish interstate operations. The financial institutions involved argue that the move toward consolidation will result in economies of scale and savings being passed on to consumers, but consumer advocates argue that there will be a reduction in the level of service provided to customers and eventually, because of a lack of competition, an increase in costs to consumers. This research examines the environment which has led to the mergers, several recent mergers which have occurred and considers the cost-cutting arguments put forth by the thrift industry.
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