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• W2582458856 abstract "INTRODUCTIONThere has been a spike in bank mergers and acquisitions across the country in the past decade. Larger banks are merging, mid-size banks are buying smaller community banks, and community banks are merging with other community banks. What is causing all of this movement and consolidation? Why are there becoming fewer banking options? What are the benefits to these institutions merging? Some banks were acquired because they were in trouble and some were acquired for this reason and that they added market share and assets to larger stronger banks. Some bank mergers occurred to combined assets so that two smaller banks could merge and increase profitability. Increased regulations have also increased the cost associated with banks remaining compliant in today's highly regulated banking environment. Other banks look at mergers and acquisitions as an opportunity to grow and increase shareholder value. recent economic downturn and the impact it had on the banks has contributed to making this a prime time for banks to be purchased. Recently in 2014 most of the mergers and acquisitions have involved smaller banks that have struggled. Now with the market improving there is a shift where valuations are increasing and stronger banks will also be seeing movement as well.LITERATURE REVIEWThe literature to support regulation as a factor was driven basically by Cornett, et al (2006) who noted in their study that regulatory burden had a major impact in promoting merger activity. Banks that had problems or sought relief from the issues facing them, tended to look for a merger partner to take the over as note by Jagtiani (2008). Barth, et al (2012) examined the number and value of bank mergers and acquisitions both domestically and globally. While their main focus was global, they found that there were three main variables in completed transactions-the rule of law in the specific country, the level of discrimination, and bank domestic credit. Winkler, et al (2014) noted that the Dodd-Frank Act had given rise to a 41 percent increase in regulatory burden. Genay and Podjasek (2014) indicated that the perfect storm was brought about by lower interest rates coupled with a slow recovering economy. Kowalik, et al (2015) examined the post crisis merger market and noted that acquired banks tend to be smaller, have lower earnings, regulatory issues, and less capital.The above literature addresses on the single issues, however, there is no literature to date that addresses both the financial and economic issues as joint causal effects of merger motivation. This study will focus on pulling the issues together.REGULATORY OVERREACHThe costly regulatory environment for financial institutions to remain compliant and keep up with regulatory operational requirements has drastically increased in recent Unfortunately, it is expected to increase as the Dodd-Frank Act is fully implemented. This has put .an additional burden on smaller financial institutions. Part of these costs has to do this with back office, paperwork, and monitoring requirements attached to the new regulations. Many banks, large and small, are having to hiring additional employees and enhance technology to remain compliant. The Act imposed 398 new regulations that have thus far added more than $21.8 billion in costs and 60.7 million paperwork burden hours. These measures have transformed the financial industry, overhauled mortgage lending, and directly affected the availability of credit. With roughly one-quarter of the law still left to implement, it's safe to say that the true economic impacts won't be understood for years. (Winkler, et al, 2014) increase of cost for this regulation is expected to be around 41%.While Dodd Frank was implemented to fix abuse and systematic weaknesses in the financial sector, it has had the opposite effect. burdensome costs have reached beyond the financial sector to consumers and businesses. …" @default.
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• W2582458856 date "2016-07-01" @default.
• W2582458856 modified "2023-09-22" @default.
• W2582458856 title "How Mergers Are Changing Banking Landscape" @default.
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