By Rym Ayadi, Georges Pujals
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Extra resources for Banking Mergers and Acquisitions in the EU: Overview Assessment and Prospects
Also, because the data set consists of consolidated 76 According to McKinsey (2003), “An important cross-border transaction is expected between two of the top 15 European banks in the two or three coming years. This might trigger further cross-border consolidation”. 77 Banking consolidation through mergers and acquisitions is not the only possible strategic option to restructuring. Indeed, alliances, joint venture and organic growth are some other possible strategic means offered by banking institutions to grow.
Finally, the liquidity ratio defined as liquid assets to total deposits. The higher this ratio is, the stronger is a position of a bank to absorb liquidity shocks but as liquid assets tend to be low yielding, a higher ratio implies lower earnings. – In addition to these ratios, a number of other variables are included to account for the balance sheet features of the banks involved in M&As. These include: total loans to total assets which shows the proportion of the balance sheet dedicated to lending.
54 Rhoades (1998). 53 An attempt to assess banking mergers and acquisitions’ performance 35 It is also of a special interest to decompose total costs to non interest costs (personnel expenses, back office operations and branches, amortization expense of intangible assets) and interest costs (cost of financial capital) to total assets. The former should be directly affected by the cost savings that are frequently cited as resulting from horizontal bank mergers. The later may be significantly affected by the way the bank chooses to obtain deposits.
Banking Mergers and Acquisitions in the EU: Overview Assessment and Prospects by Rym Ayadi, Georges Pujals