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UBC Theses and Dissertations

Bank mergers and deposit retention : one and one makes two? Ginsberg, Omer


The flurry of merger activity sweeping across the U.S. financial services sector is drastically restructuring its retail banking segment. The integration and streamlining of operations has highlighted the role deposit market shares play in the merger mix. Firstly, we investigate whether banks successfully retain their deposits, post-merger; secondly, we investigate the effects of pre-merger institutional attributes on deposit retention. The results to the first question appear to confirm that banks retain their deposits. The findings of the second question indicate that the nature of competition in the market, the magnitude of retail banking focus, institution age, market and institutional deposit growth all have significant effects on deposit retention.

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