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Bank Mergers and Acquisitions in the United States 1990 -1997

An Analysis of Shareholders Value Creation and Premium Paid to Integrate with Megabanks

This study focused on factors that have positively influenced the model of economic success for commercial and thrift megabanks involved in merger and acquisition activities for the period 1990 - 1997, a period characterized by an unprecedented flurry of merger and acquisition activities among megabanks in the United States. This study identified and measured key independent variables for identifiable mergers and acquisitions among megabanks and tested the extent to which, such independent variables influenced abnormal returns for underlying equities traded in capital markets. This study also tested the hypothesis that megabanks are attracting significantly higher acquisition premiums than the relatively smaller banks. The data collected and the conclusions drawn were based on the logic of a hypothetico-deductive paradigm, which essentially utilized the techniques of the standard event study methodology, and included parameters of the conventional Capital Asset Pricing Model. This study was based on a scientifically determined sample of over 200 banks in the small bank category and between 68 and 86 banks grouped under the megabank category. The findings revealed that megebank acquirers realized negative abnormal returns and that megabank acquirees did not realize economic value significantly greater than acquirers for those banks that integrated on a merger-of-equals basis. The findings also showed that megabanks seemed more willing to pay higher premiums for the right to integrate with other megabanks vis-a-vis the right to integrate with small banks.

Banking without boundaries: How the banking industry is transforming itself for the digital age. In D. Tapscott, A. Lowy, & D. Ticoll (Eds.), Blueprint to the digital economy: Creating wealth in the era of e- business (pp. 1 13 - 138).

Bank 4.0

Banking everywhere, never at a bank

In the final book in the digital “BANK” series, Brett King tackles the topic of whether banks have a future at all in the emerging, technology embedded world of the 21st century. In 30-50 years when cash is gone, cards are gone and all vestiges of the traditional banking system have been re-engineered in real-time, what exactly will a bank look like? How will we reimagine a bank account, identity, value, assets, investments? hen stepping back from this vision of the future, King and his cadre of ‘disruptors’ and Fintech mafia chronicle the foundations of this new banking ecosystem today. From selfie-pay in China, blockchain in Africa, self-driving cars with their own bank accounts and augmented reality tech that informs the future design of banking systems, this proves once and for all that we’re not in Wall Street anymore Toto. Bank 4.0 is what banking will become.

By 2025, the biggest retail banks in the world will almost all deliver the majority of their revenue via digital. ... 1.0 era was simply being great at banking—good ROE, good credit risk policies, good distribution and network, etc.

World Bank East Asia and Pacific Economic Update April 2016

Growing Challenges

In the past 6 months, developing East Asia and Pacific has faced a challenging external environment, but growth has generally remained resilient. Over the next 3 years, growth is expected to ease modestly. China will continue its gradual shift to a more sustainable growth path. Some economies will be affected by low commodity prices and weaker external demand. This outlook is subject to elevated risks. Countries should prioritize monetary and fiscal policies that reduce their exposure to risks and strengthen market confidence. In China, there is a need to reduce leverage. In several countries, action is required to enhance transparency, strengthen accountability, and redefine the role of the state. Efforts to reduce barriers to trade should be redoubled, with a particular focus on non-tariff measures and regulatory barriers, including to trade in services. The region must increase its readiness to benefit from the digital revolution, and in particular develop the essential “analog complements†? to digital technologies.

“The Impact of Broadband on Chinese Exports in the Pre-Alibaba Era.” Background paper for the World Development Report 2016, ... -tech/our-insights/chinas-digital-transformation. Meeker, Mary. 2015. “Internet Trends 2015: Code ...

Bank Manager as Team Leader

Bank Manager as Team Leader covers the entire spectrum of practical interpersonal aspects of professional management to prepare bank managers for success in leadership roles. Some of them might have witnessed how workforce conflicts distract the workforce from performance, resulting in overall poor productivity. This book will help them to learn to avoid or reduce the financial and emotional costs associated with troublesome interpersonal behaviours at work. The salient features of this book include the ways how the performance review meeting can be meaningful, workplace conflict management, stress management for team leaders, the art of positive criticism and the role of a team leader in the present digital banking environment. This book covers the topics required for a team leader to reach his/her team members and release their talent into optimum performance and also discusses why team leaders are needed instead of bank managers. Bank Manager as Team Leader comprehensively shows the strategies with which the author, in higher positions of responsibility, has successfully overcome the hurdles of distraction. It is a must-read for every banker and those who aim to take a lead in their banking career as a successful team leader.

In the present era of digitalization, due to ever increasing availability of information on internet and digital form, the art and skill of active listening are diminishing gradually. According to Peter Drucker, “The most important ...

Managing in the Corporate Interest

Control and Resistance in an American Bank

In the 1980s, corporate America experienced massive cutbacks and organizational decline after decades of economic growth and dominance. The institutional and ideological changes that were part of the fundamental transformation created a new landscape of work and social relations for corporate middle managers. The author assesses this new landscape by examining a large diversified bank that restructured its organizational and personnel policies to meet a new era of corporate competition.

In the 1980s, corporate America experienced massive cutbacks and organizational decline after decades of economic growth and dominance.

Digital Bank: Strategies to launch or become a digital bank

Digital Bank tracks the innovations in banking and how the mobile internet is changing the dynamics of consumer and corporate relationships with their banks. The implication is that banks must become digitised, and that is a challenge as becoming a Digital Bank demands new services focused upon 21st-century technologies. Digital Bank not only includes extensive guidance and background on the digital revolution in banking, but also in-depth analysis of the activities of incumbent banks such as Barclays in the UK and mBank in Poland, as well as new start-ups such as Metro Bank and disruptive new models of banking such as FIDOR Bank in Germany. Add on to these a comprehensive sprinkling of completely new models of finance, such as Zopa and Bitcoin, and you can see that this book is a must-have for anyone involved in the future of business, commerce and banking. Chris Skinner is best known as an independent commentator on the financial markets through the Finanser (www.thefinanser.com) and Chair of the European networking forum The Financial Services Club, which he founded in 2004. He is the author of ten books covering everything from European regulations in banking through the credit crisis to the future of banking, and is a regular commentator on BBC News, Sky News and Bloomberg about banking issues. More can be discovered about Chris here: http://thefinanser.co.uk/fsclub/chris-skinner/

For a while, there was talk about PFM being the new era of banking, with alerts and budgeting apps giving us all we would need to know aboutour money. Well, it's not. PFM is interesting and importantbut it only givesyoua reverse view of ...

Driving Digital Transformation: Lessons from Building the First ASEAN Digital Bank

Traditional banks are facing unprecedented disruption from challenger banks today. So why aren’t more of them launching challenger banks of their own? Well, two high-profile examples – JP Morgan’s Finn and RBS’s Bo – were launched with much fanfare, but both shuttered after less than a year. In light of this, the success of TMRW digital bank by UOB, launched in Thailand in 2019 and Indonesia in 2020, is astonishing. Dr Dennis Khoo, who created TMRW, shares with us the thinking behind the design of this revolutionary undertaking. At every step of the way, he and his team went against established paradigms and bucked conventional wisdom to build ASEAN’s first digital bank. Filled with visionary analysis and on-the-ground guidance, Driving Digital Transformation demonstrates how this success can be replicated across all industries. For any leader or organisation starting on a major digital initiative, this book is a must-read. “What makes this playbook particularly valuable is that it is written by Dennis Khoo, one of the sharpest minds in the industry.” – Mary Huen, CEO, Standard Chartered Hong Kong

“Banking for TMRW: Head of UOB's digital bank explains engagement, advocates, Personetics. ... Newsy Today. https://www.newsy-today.com/uob-presents-tmrw-to-support-financial-inclusion-in-the-digitaleconomy-era/. Wei, Y., Yildirim, P., ...

World Bank East Asia and Pacific Economic Update, October 2019

Weathering Growing Risks

Growth in the developing East Asia and Pacific region slowed in the first half of 2019 given weakening global demand and heightened policy uncertainty amid ongoing trade tensions. Steady consumption growth helped to partly offset the effects of weakening exports and investment on growth. The region’s growth prospects face intensified downside risks, including further escalation of trade disputes, a sharper-than-expected slowdown in China, the United States and the Euro Area, along with a disorderly Brexit, and an abrupt change in global financing conditions. In some countries, rising indebtedness and other vulnerabilities, such as the constrained capacity for foreign debt rollover, could amplify the negative effects of external shocks. The regional growth moderation underscores the need to address key vulnerabilities and preserve economic dynamism among developing East Asia and Pacific economies. In the short run, countries with sufficient policy space should use available policy tools to stimulate domestic activities. Better quality spending, together with prudent debt management, is needed to safeguard fiscal sustainability. Deepening regional integration would help offset the negative impact of global protectionism. In the medium to long term, pursuing structural reforms that raise competitiveness, support trade and investment, and encourage innovation is critical to boosting productivity and growth.

Digital Globalization: The New Era of Global Flows. www.mckinsey.com/business-functions/digitalmckinsey/our-insights/digital-globalization-the-new-era-of-global-flows. McKinsey Global Institute. 2017a. A Future that Works: Automation, ...

Central Bank Balance Sheet and Real Business Cycles

Central Bank Balance Sheet and Real Business Cycles argues that a deeper comprehension of changes to the central bank balance sheet can lead to more effective policymaking. Any transaction engaged in by the central bank—issuing currency, conducting foreign exchange operations, investing its own funds, intervening to provide emergency liquidity assistance and carrying out monetary policy operations—influences its balance sheet. Despite this, many central banks throughout the world have largely ignored balance sheet movements, and have instead focused on implementing interest rates. In this book, Mustapha Abiodun Akinkunmi highlights the challenges and controversies faced by central banks in the past and present when implementing policies, and analyzes the links between these policies, the central bank balance sheet, and the consequences to economies as a whole. He argues that the composition and evolution of the central bank balance sheet provides a valuable basis for understanding the needs of an economy, and is an important tool in developing strategies that would most effectively achieve policy goals. This book is an important resource for anyone interested in monetary policy or whose work is affected by the actions of the policies of central banks.

With the era of digital currency, the central bank would potentially have another instrument that can be used to influence its monetary policy. This will happen as the increased potential flexibility of digital currency enables both the ...

A Survey of Research on Retail Central Bank Digital Currency

This paper examines key considerations around central bank digital currency (CBDC) for use by the general public, based on a comprehensive review of recent research, central bank experiments, and ongoing discussions among stakeholders. It looks at the reasons why central banks are exploring retail CBDC issuance, policy and design considerations; legal, governance and regulatory perspectives; plus cybersecurity and other risk considerations. This paper makes a contribution to the CBDC literature by suggesting a structured framework to organize discussions on whether or not to issue CBDC, with an operational focus and a project management perspective.

“Wholesale Digital Tokens,” Committee on Payments and Market Infrastructures, Basel: Bank for International Settlements. ----. 2020. "Payment Aspects of Financial Inclusion in the Fintech Era,” Committee on Payments ...