Mergers and Acquisitions in the European Banking Sector / Fusionen und Akquisitionen im Europäischen Banken Sektor PDF Download

Author: Daniel Wülbern
Publisher: GRIN Verlag
ISBN: 3656983275
Category : Business & Economics
Languages : en
Pages : 95

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Diploma Thesis from the year 2005 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 0, ESCP Europe Business School - Campus Paris, language: English, abstract: Ziel der Arbeit ist es, Treiber und Erfolgsfaktoren von M&A Operationen im Europäischen Bankensektor zu identifizieren und zu analysieren. Methodologisch wurde hierbei auf die Fallstudienanalyse sowie empirische Untersuchungen zurückgegriffen. Die Arbeit mündet in der Entwicklung verschiedener Szenarien einer zukünftigen Konsolidierung des Bankensektors sowohl innerhalb der einzelnen EU Staaten als auch cross-border.

Author: Matthias Schubert
Publisher: GRIN Verlag
ISBN: 3640044193
Category : Business & Economics
Languages : en
Pages : 15

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Seminar paper from the year 2002 in the subject Business economics - Investment and Finance, grade: 1,0 (A), Berlin School of Economics, course: International Corporate Finance, language: English, abstract: The last decade of the 20th century was a decade of enormous changes in the banking sector worldwide. If one compares the largest banks of the world in 1995 with those at the end of 2000 it is obvious to see that many changes have happened in recent years: In 1995 all top five banks were from Japan (total assets in million USD in brackets): Dai-Ichi Kangyo Bank (626,171), Sumitomo Bank (617,053), Sakura Bank (607,245), Sanwa Bank (600,111) and Fuji Bank (587,154. At the end of 2000 the top five banks ranked by total assets were: Sumitomo Mitsui Banking Corp., Japan (958,189), CitiGroup, USA (902,210), Deutsche Bank Group, Germany (882,577), HSBC Holdings, U.K. (673,814) and Bayerische HypoVereinsbank, Germany (672,720). These newly-formed banking groups arose from mergers and acquisitions (M&As) and therefore they are good examples for all the M&As that have taken place in the banking sector worldwide in recent years. In this scientific paper the M&A activity in the banking sector is being analysed on a global basis and, where appropriate, with a special focus on European activities. To do so, the following procedure has been chosen: After the presentation of typical patterns of consolidation the main causes of consolidation and risks arising from M&As will be examined. Afterwards the economical results of the M&A process will be analysed to give a conclusion and an estimation on future activities

Author:
Publisher:
ISBN: 9789291811335
Category : Bank mergers
Languages : en
Pages : 46

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Author: Nele Braun
Publisher:
ISBN: 9783346065728
Category :
Languages : en
Pages : 28

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Seminar paper from the year 2019 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,0, University of Applied Sciences Darmstadt, language: English, abstract: This paper deals with the problems of banks in the low rate interest environment due to the monetary policy of the European Central Bank, with focus on bank earnings. Furthermore it includes a brief investigation of the interaction between low interest rates and increased regulation. Firstly, the impacts of the low interest rate policy on the banks are discussed. The next section describes the interaction between low interest rates and increasing regulation. A brief analysis examines whether monetary policy increases or decreases systemic risk follows. Finally, the main findings of the paper are discussed. After the financial crisis in 2008, six years later the negative interest rate policy by the ECB was introduced in order to prevent the effects of the recession and to propel economic recovery. Among other effects, the ECB's low interest rates force commercial banks to lower their interest rates on loans, consequently the demand of the customers for credits rises. On the other hand, the investment of saved money bears less interest - the banks do not want to deposit the money of their customers with themselves, in some cases even penalty interests are raised. The aim of the ECB's monetary policy is therefore: more corporate investment through cheap loans and more customer consumption due to unattractive interest rates.

Author: Jan-Frederik Modell
Publisher: diplom.de
ISBN: 3836612348
Category : Business & Economics
Languages : en
Pages : 80

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Inhaltsangabe:Abstract: The US subprime-crisis became a headline in the global media starting in February 2007 after the US housing market had already shown first signs of a slowdown in late 2006. Previously, the US housing market had enjoyed a favorable environment, especially from 2002 to 2005, which was characterized by low interest rates, rising house values, and increasing home financing possibilities through subprime mortgages. However, more and more events were published during the year by US mortgage brokers, international investment banks, and central banks around the world that presented a picture which caused today s perception of the subprime-crisis. What s more, the subprime-crisis is far from being over: an end to the crisis is not yet in sight. One rather unique characteristic of this crisis is that its actual basis is the delinquencies and defaults of subprime single-family home mortgages in the US which is commonly not regarded to be of great relevance for the international capital markets. However, taking into account the originate and distribute business model of US mortgage brokers in connection with the securitization of these mortgages into various types of securities that are traded on a global basis, it is not surprising to observe that banks and investment funds around the world were invested into these securities. Before the crisis started, only a few banks or funds considered the liquidity of these securities when investing significant amounts of money in them because they focused on maximizing their returns. But, when larger problems in the US subprime mortgage market became evident, liquidity became the major concern for investors and investor preferences significantly shifted to safer assets such as government bonds. This caused severe problems in the money market, which ultimately brought the crisis across the Atlantic to Europe. Moreover, funding problems emerged and caused the first bank run in Europe in decades when depositors in Britain started to queue outside Northern Rock branches for hours to withdraw their deposits in light of fears that the bank might have to file for bankruptcy. In addition, another British bank had been in the spotlight earlier that year because HSBC was the first European bank to announce a billion dollar write-off linked to its exposure to subprime mortgages. Taking into consideration the subprime-crisis-related events in Europe, the British banking market can be characterized as the [...]

Author: Valbona Çinaj
Publisher: GRIN Verlag
ISBN: 366856003X
Category : Business & Economics
Languages : en
Pages : 71

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Document from the year 2017 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: This paper presents the effects that affect the current effect of the Credit Information System (CIS) in the Albanian reality in order to reduce credit installment delays during the credit cycle in the banking sector in Albania. There are a number of problems with bad credit for borrowers, as well as debts on lenders. From a lender's performance analysis one of the main causes is the lack of information exchange in the lending market. Also, the credit information system acts as a mediator and regulator of asymmetric information and also to increase transparency in the lending market. In the interest of all stakeholders in Albania (financial institutions, supervisory institutions, government, consumers, etc.) towards financial stability and economic growth in Albania, CIS becomes increasingly necessary towards the consolidation and maintenance of a sound and sound financial system. Credit scoring as a product of CIS through the application of data mining techniques is a growing trend. The decision tree, basic classification rules, expert systems, and any other techniques obtained outside the mini graph techniques and various hybrid combinations are usable and welcome in the scoring industry in the banking sector due to their explicit acceptance / rejection conditions of applicants. Selected literature addresses the challenges faced by banks' lending practices and the role of the Credit Information System (CIS). The growth in demand for loans has led to the need for more formal and more objective methods (generally known as credit scoring) to help credit providers decide whether to grant loans to a borrower, through technology advancement Computer and exponential database growth. In some research it is noted that based on information from some countries around the globe, it is concluded that the existence of credit registers is linked to increased lending volume, lending to business, improved access to finance and a more stable banking sector. The same situation is also presented for Albania, according to this paper.

Author: Edikan Ukpong
Publisher: GRIN Verlag
ISBN: 3346075796
Category : Business & Economics
Languages : en
Pages : 17

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Academic Paper from the year 2013 in the subject Communications - Media Economics, Media Management, grade: B (60), , language: English, abstract: Over the years, the advent of Information Communication Technologies has brought remarkable changes to the way people live their live and do businesses today. Most sectors of our economy both nationally and globally are fast adopting the use of Information and Communication Technologies to advance the course of their duties; to enhance quality customers’ service delivery and internal operations. This has brought about remarkable development in these sectors of our economy. Most specifically to the context of this work, the banking industry in Nigeria has undergone remarkable development strides in the bid to improve on the quality of service rendered to its customers and to enhance the profitability of its internal operation.

Author: Peter Buxmann
Publisher: Springer Science & Business Media
ISBN: 3642315097
Category : Business & Economics
Languages : en
Pages : 229

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Book Description
Whether ERP software, office applications, open-source products or online games: In terms of its economic characteristics, software differs fundamentally from industrial goods or services. Based on the economic principles and rules of the software industry, the book reveals strategies and business models to software vendors that comprise cooperation, distribution, pricing and production and industrialization strategies, as well as software as a service and platform concepts. Further aspects including the outsourcing behavior of software vendors and users; providing business software as open source software; selecting software; and the value chains in the software industry are also addressed. Based on a number of expert meetings, it contains numerous case studies and new empirical findings. Target audience of the book are professionals and executives from the software, consulting and IT branches as well as students and scholars of business administration, computer science, business and industrial engineering.

Author: Alice Hofmann
Publisher: GRIN Verlag
ISBN: 3346429911
Category : Business & Economics
Languages : en
Pages : 84

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Bachelor Thesis from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,0, University of Applied Sciences Essen, language: English, abstract: This paper will analyse, if traditional banks deal with the continuous digitization and new technology-based competitors, especially FinTechs, as a threat or rather as a chance for their own business model. Is it more likely that banks and FinTechs will link up as partners to benefit from mutual competitive advantages, or will it degenerate into a battle for power and market share? Furthermore, why is it that small start-ups can present such a threat to established banks that have been operating for years? Innovative start-ups revolutionized several business sectors. There was Napster for the music industry, Uber for the taxi industry, and there are FinTechs for the financial sector. FinTech is an abbreviation for Financial Technology. The designation itself already gives an idea of what their business idea looks like. Intelligent technologies and the continuously expanding digitization across all business sectors expands the customers' needs and demands towards banks. They want to take care of banking business as easily and convenient as they order goods via Amazon, ask Google for the way or stream music and movies online via Spotify or Netflix. FinTech has recognized that change in customer behaviour and started to build their business models based on these findings. Those new innovative market entrants are present in every part of the value chain of a traditional bank, offering alternative financial products and services on a purely online basis. Traditional banks are, therefore, facing significant challenges and risks that are endangering their competitiveness.

Author: Malik Dakdaki
Publisher: GRIN Verlag
ISBN: 3668565341
Category : Business & Economics
Languages : en
Pages : 76

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Book Description
Bachelor Thesis from the year 2017 in the subject Business economics - Accounting and Taxes, grade: 1,3, University of applied sciences Frankfurt a. M. (FOM), language: English, abstract: The beginning of the digital revolution at the turn of the millennium has ushered in a structural change in many sectors. Due to the increased use of modern information and communication technologies (ICT), several sectors have already experienced existential economic implications. This is especially evident in the music, media and publishing industries. For example, music is not only purchased on CDs from local retail stores, but is also increasingly consumed via the Internet through streaming services such as Spotify. Videos store rentals compete with the comfortable video-on-demand services available in customers’ own homes. The Internet as a medium for information and consumption for products and services has established itself as a faster, more comfortable and more efficient channel in comparison to traditional sales channels. Stationary retail stores were also not spared from digital disruption. The market research institute Gesellschaft für Konsumforschung (GfK) predicts a doubling of the online share of retail sales from currently to 20% by the year 2025. At the same time, new and innovative market participants known as financial technology or FinTech companies are edging into the financial sector and trying to gain market share from established banks through customer-friendly products and services. Nevertheless, the banks do not seem to recognize the seriousness of the situation and therefore are reluctant to adapt to the new situation. However, experience has shown that ignorance of an industry’s digitization has already led to the fall of large and established companies. As a well-known example in the technology industry, Kodak is often referred to in this context. The company’s reaction to the digital disruption took place too late, whereas other companies had already recognized the trend towards digital photography at an earlier stage and prepared corresponding products. As a result, Kodak plummeted from the top of the photography technology industry. Evidence of ongoing digital disruption of the financial services sector has already been provided in the form of a new type of bank, the direct bank, which was first introduced in the early 1990s . FinTech companies seek to take advantage of this success and gain customers and market share by offering innovative solutions for financial products and services.