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RAPPORT

The digital fix

Banking M&A

Fintech. Blockchain. Changing consumer demands. Regulation. Industry consolidation. The things that keep banking executives wide-eyed in the middle of the night are many and varied.

During working hours, they try to right the ship by bringing digital technologies to bear because digital transformation continues to be the top priority for financial institutions across the globe. From increased e iciencies to greater profitability, the digital lever is being applied with increasing frequency.

At the same time, regulatory pressure and declining performance are pushing banks to consolidate. In-country mergers are on the rise in Spain, Italy and Central and Eastern Europe, while regional banks in the United States are rapidly consolidating. Inorganic growth opportunities have made a resurgence after many years of poor deal flow due to the global banking crisis.

Banks would be wise to take advantage of this resurgence. Yet, M&A activity can distract from their own digital journeys, which are also key to restoring profitability.

As banks better incorporate digital into their operations, they also need to better incorporate digital into the M&A deals they are entering. The synergies inherent in this combination can help them competitively, so they weather the downturn with a healthy balance sheet.

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