The Impact of State Deposit Caps on Bank Merger Premiums

1997 ◽  
Vol 63 (3) ◽  
pp. 652 ◽  
Author(s):  
David R. Hakes ◽  
Kenneth H. Brown ◽  
Allen Rappaport
Keyword(s):  
Bank Merger ◽  
Merger Premiums ◽  
The Impact

scholarly journals Effects of Regional Bank Merger on Small Business Borrowing: Evidence from Japan

2015 ◽  
Vol 7 (11) ◽  
pp. 62
Author(s):  
Hironobu Miyazaki ◽  
Hiroyuki Aman
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Economies Of Scale ◽  
Loan Portfolio ◽  
Small Business Lending ◽  
Borrowing Costs ◽  
Bank Merger ◽  
Regional Bank ◽  
Small Business Loans ◽  
The Impact

This study examines the impact of a regional bank merger in Japan on borrowing by small businesses, focusing on firms that borrow from the acquiring bank, the acquired bank, or both. First, we find that post-merger borrowing costs declined. This result suggests that small borrowers enjoy more favorable post-merger financing conditions because efficiencies from economies of scale lead to lower costs. Second, we<strong> </strong>find that post-merger borrowing costs decline for firms that borrow only from the acquiring or acquired bank, whereas they did not decline for firms that borrow from both. Third, we find that only small business loans to firms that borrow from both the acquiring and acquired banks decrease post-merger. This result suggests that small business lending might decline because of a merged bank’s loan portfolio and lending strategy.

Determinants of bank merger premiums

1996 ◽  
Vol 20 (1) ◽  
pp. 117-131 ◽  
Author(s):  
Hany A. Shawky ◽  
Tobias Kilb ◽  
Carsten F. W. Staas
Keyword(s):  
Bank Merger ◽  
Merger Premiums

scholarly journals Effect of SBI Bank Merger on Education Loan, a Comparative Study Using Big Data Analytics

2018 ◽  
Vol 7 (2.32) ◽  
pp. 452
Author(s):  
Anjali Mathur ◽  
K Vinitha ◽  
R Shubham ◽  
K Gowtham
Keyword(s):  
Big Data ◽  
Comparative Study ◽  
Data Analytics ◽  
Big Data Analytics ◽  
Global Level ◽  
Analysis Techniques ◽  
Bank Merger ◽  
Huge Data ◽  
High Level ◽  
The Impact

A bank merger is a situation in which two banks or all branches of a bank join together to become one bank. The bank merger of State Bank of India was implemented on 1stApril 2017 in India. The bank merger is a good idea to centralize the customer’s data from nationwide. However, it is a difficult task for administrators and technologists. Some high level techniques are required to collect the data from the branches, of the bank present at nationwide, and merge them accordingly. For this huge data Big-Data Analysis techniques can be used to manage and access the data. The big data analytics provides algorithms to compare, classify and cluster the data at local and global level. This research paper proposes big data analytics for education loan provided by State Bank of India. The loan granting process becomes centralized after merger. It affects the processing of granting a loan, as earlier it was according to branches only. The proposed work is for comparative study of the impact of bank merger on education loan provided by State Bank of India.  

scholarly journals Mergers of Banks in Economy – Indian Scenario

2020 ◽  
Vol 8 (6) ◽  
pp. 2855-2859
Keyword(s):  
Banking Sector ◽  
High Rate ◽  
Public And Private ◽  
Bank Merger ◽  
Public Sector Banks ◽  
Private Banks ◽  
International Banks ◽  
History Of ◽  
National Bank ◽  
The Impact

Banking area possesses a significant spot in each economy and is one of the quickest developing sectors in India. The challenge is very high and tough from the worldwide player’s i.e. International banks. On the counter part, both public and private banks are also facing strong competition among themselves to reach the targeted audience. But the worrying factor is Non performing assets are also increasing simultaneously with core business. The result is mergers in the banking sector in order to reduce the NPA. The most recent and largest merger in the history of banking industry took place on April 1, 2017 i.e., State bank of India and its associates banks. And, now the govt. of India announces India’s biggest and largest mega banks merger on august 30, 2019, i.e., merging of 10 public sector banks into 4 large banks. These banks are oriental bank of commerce and united bank of India merging with Punjab national bank; Syndicate bank with Canara bank; Andhra bank and corporation bank merging with Union bank of India; and Allahabad bank merging with Indian bank; This merger will bring nearly a half yearly of all outstanding loans in Indian’s banking sector. This big bank merger will be a good move from the central govt. to reach $5 trillion economy in next 5 years. This merger will help to give some boost to the Indian economy, which is suffering with high rate of NPA’S. In this research paper an attempt is made to know the impact of banks performance after merger will really give acceleration to the economic growth rate or not.

scholarly journals The impact of bank merger growth on CEO compensation

2017 ◽  
Author(s):  
Zhian Chen ◽  
Wing-Yee Hung ◽  
Donghui Li ◽  
Lu Xing
Keyword(s):  
Ceo Compensation ◽  
Bank Merger ◽  
The Impact

scholarly journals PENGATURAN MENGENAI HARGA SAHAM WAJAR SEBAGAI BENTUK PERLINDUNGAN HUKUM TERHADAP PEMEGANG SAHAM PUBLIK DALAM MERGER BANK YANG BERBENTUK PERSEROAN TERBUKA

1970 ◽  
Vol 2 (1) ◽  
Author(s):  
Pande Yogantara S.
Keyword(s):  
Decision Making ◽  
Capital Market ◽  
Stock Price ◽  
Banking Industry ◽  
Minority Shareholders ◽  
The Public ◽  
Bank Merger ◽  
Public Company ◽  
Financial Consequences ◽  
The Impact

Banking crisis that occurred in 1997 and the issuance of Bank Indonesia regulations Number 8/16/PBI/2006 Regarding Single Presence on Indonesian Banking, led to a merger in the banking industry. Merger action is a legal act, not only causes economic and financial consequences but also the juridical consequences. The consequences of the merger to be seen is the impact on the public shareholders especially in the of bank in form public company.In the event of a merger, position of public shareholders is very weak in regard to corporate decision-making (the company). If the views of the ownership of shares, public shareholders are almost always going to lose when dealing with shareholders, because for every share issued has one vote. The results of this research showedCapital Markets Law and BAPEPAM regulation Number IX.G.1 About Merger or Consolidation Enterprises Public Company or the Issuerdoes not regulate further the understanding and clear criteria of "reasonable stock price". But in bank merger the form of public company,necessary services as a professional independent appraisal supporting the capital markets as mentioned in Article 64 and Article 67 of Act Number 8 Year 1995 About Capital Market,which in turn can make a reasonable assessment of the stock price that reflects fairness for public or minority shareholders.

scholarly journals Penguatan Merger Bank Syariah BUMN dan Dampaknya Dalam Stabilitas Perekonomian Negara

2021 ◽  
Vol 8 (2) ◽  
Author(s):  
Ika Atikah ◽  
Maimunah Maimunah ◽  
Fuad Zainuddin
Keyword(s):  
Commercial Banks ◽  
Positive Impact ◽  
Islamic Banks ◽  
Legal Regulations ◽  
Conceptual Approach ◽  
Secondary Sources ◽  
Bank Merger ◽  
Written Form ◽  
The Right ◽  
The Impact

This study provides an overview of strengthening the merger of state-owned sharia banks, namely BNI Syariah, BSM, BRI Syariah which merged into Bank Syariah Indonesia (BSI). The purpose of the study was to determine the legal arrangements for strengthening the merger of Islamic banks to become BSI and its impact on the stability of state finances during the COVID-19 pandemic. The research method used in this study uses normative research with a statutory approach and a conceptual approach. Primary sources of law use legal regulations related to mergers of banking institutions and secondary sources of law from several kinds of literature such as journals and books relating to the issues being discussed. Meanwhile, legal material analysis techniques are used descriptively. The result of the research is the strengthening of the merger of BUMN Islamic banks starting with the existence of an agreement that is outlined in the written form of an Islamic commercial bank merger agreement as regulated in several applicable legal regulations. The merger of Islamic commercial banks during a pandemic is the right step to maintain the country’s economic stability, as stated in Perpu No.1 / 2020 and POJK No.18 / POJK.03 / 2020. The impact of the merger of Islamic commercial banks, of course, has a positive impact, Indonesian Islamic banks can compete globally by prioritizing more complete services, wider coverage, and better capitalization. For the state, it is certainly a good thing that can be done by the Ministry of BUMN, by initiating the merger of 3 sharia-based state-owned subsidiaries (BNI Syariah, BSM, BRI Syariah) merging into PT. Bank Syariah Indonesia, Tbk. Keywords : Merger, Sharia Banks, Finance

ANALISIS DAMPAK KEBIJAKAN MERGER DALAM PENGEMBANGAN BANK SYARIAH DI INDONESIA

2021 ◽  
Vol 5 (1) ◽  
pp. 16-24
Author(s):  
Erwin Saputra Siregar ◽  
Sissah Sissah
Keyword(s):  
Market Share ◽  
Descriptive Analysis ◽  
Islamic Banks ◽  
Merger Policy ◽  
Bank Merger ◽  
Library Research ◽  
Slow Progress ◽  
The Difference ◽  
The Impact ◽  
Data Reading

This study aims to analyze the impact of the merger policy on the progress of Islamic banks. The slow progress of Islamic banks in Indonesia makes experts think of a policy so that Islamic banks can develop rapidly. This type of research is library research, which is a series of activities that focus more on the methods of collecting library data, reading, taking notes and analyzing research materials. This type of research uses qualitative methods. The nature of this research is descriptive analysis, which is to systematically explain the data obtained as they are and be analyzed in depth. The results of this study are the sharia bank merger policy has not been able to increase the market share of Islamic banks in Indonesia, even the chance of decreasing the market share of Islamic banks is very high considering that many small Islamic banks will be unable to compete with the merged Islamic banks. It is different if the policy issued is to establish a new Sharia BUMN Bank. This policy will make competition more evenly distributed because it is seen from the asset side between Islamic banks that the difference is not too far away. Keyword : Policy; Merger; Islamic Banks   Abstrak Penelitian ini bertujuan untuk menganalisis dampak kebijakan merger dalam kemajuan bank syariah. Lambatnya kemajuan bank syariah di Indonesia membuat para ahli memikirkan suatu kebijakan agar bank syariah dapat berkembang pesat. Jenis penelitian ini adalah library research, yaitu rangkaian kegiatan yang lebih menitikberatkan pada metode pengumpulan data pustaka, membaca, dan mencatat serta menganalisis bahan penelitian. Jenis penelitian ini menggunakan metode kualitatif. Sifat penelitian ini adalah analisis deskriptif yaitu menjelaskan data-data yang diperoleh apa adanya secara sistematis dan dianalisis secara mendalam.  Hasil penelitian ini adalah kebijakan merger bank syariah belum bisa menaikkan market share bank syariah di Indonesia, bahkan peluang turunnya market share bank syariah sangat tinggi mengingat banyak bank syariah-bank syariah kecil yang akan kalah bersaing dengan bank syariah hasil merger. Berbeda halnya jika kebijakan yang dikeluarkan adalah mendirikan Bank BUMN Syariah yang baru. Kebijakan tersebut akan membuat persaingan lebih merata karena dilihat dari sisi aset antara bank syariah selisihnya tidak terlalu jauh. Kata Kunci: Kebijakan; Merger; Bank Syariah

Merger Premium Predictions Using a Neural Network Approach

2005 ◽  
Vol 2 (1) ◽  
pp. 61-72 ◽  
Author(s):  
Tara J. Shawver
Keyword(s):  
Neural Network ◽  
Network Models ◽  
Network Approach ◽  
Neural Network Models ◽  
Neural Network Approach ◽  
Bank Merger ◽  
Financial Variables ◽  
Neural Network Prediction ◽  
Network Prediction ◽  
Merger Premiums

Over 80 percent of mergers fail to achieve projected financial, strategic, and operational synergies (Marks and Mirvis 2001). It is critical for management to find accurate models to price merger premiums. Management has an interest to protect stakeholders by acquiring companies that can add value to their investments at the most favorable price. Published studies in the area of pricing mergers have not attempted to use expert systems in the decision-making process. This paper is the first of its kind that describes the development and testing of neural network models for predicting bank merger premiums accurately. A neural network prediction model provides a tool that can filter through noise and recognize patterns in complicated financial relationships. The results confirm that a neural network approach provides more explanation between the dependent and independent financial variables in the model than a traditional regression model. The higher level of accuracy provided by a neural network approach can provide practitioners with a competitive advantage in pricing merger offers.

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