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Abstract(s)
As fusões e aquisições são processos com uma ampla complexidade que afetam diversos
agentes económicos, como as empresas. No setor bancário, essas operações ocorrem com
maior frequência e contribuem para que os bancos se tornem cada vez maiores,
reforçando a concentração bancária, diminuindo a concorrência e o impacto no poder de
mercado. Deste modo, o tema da pesquisa foi definido como “O impacto das Fusões e
Aquisições no setor bancário”.
O objetivo da dissertação centra-se em avaliar o impacto que as operações de fusões e
aquisições podem gerar a nível do desempenho operacional no setor bancário, através da
análise de rácios financeiros.
Para esse fim, primeiramente, foi realizada uma revisão da literatura tendo por base uma
abordagem qualitativa, nomeadamente, através de pesquisas elaboradas em livros e
artigos científicos já divulgados, e em seguida, foi efetuada uma análise quantitativa
suportada por um estudo de caso.
Deste modo, após realização do estudo, os resultados revelam que as variáveis aceites no
caso do banco Eurobic são a adequação de capital, a eficiência, a rendibilidade do ativo
e os empréstimos não produtivos. Já no caso do BPN, apenas duas variáveis são aceites,
a adequação de capital e a margem de juros líquida.
Mergers and acquisitions are overly complex processes that affect various economic agents, such as companies. In the banking sector, these operations occur more frequently and contribute to banks becoming increasingly larger, reinforcing banking concentration, reducing competition and its impact on market power. Therefore, the research theme was defined as “The impact of Mergers and Acquisitions on the banking sector”. The goal of the dissertation focuses on evaluating the impact in which mergers and acquisitions’ procedures can generate on operational performance in the banking sector, through the analysis of financial ratios. To this end, firstly, a literature review was conducted based on a qualitative approach, namely through research focused on books and scientific articles already published, and afterwards, a quantitative analysis was carried out throughout a case study. Therefore, after completing the study, the results reveal that the variables accepted in the case of the Eurobic bank are capital adequacy, efficiency, asset profitability and non productive loans. In the case of BPN, only two variables are considered: capital adequacy and net interest margin.
Mergers and acquisitions are overly complex processes that affect various economic agents, such as companies. In the banking sector, these operations occur more frequently and contribute to banks becoming increasingly larger, reinforcing banking concentration, reducing competition and its impact on market power. Therefore, the research theme was defined as “The impact of Mergers and Acquisitions on the banking sector”. The goal of the dissertation focuses on evaluating the impact in which mergers and acquisitions’ procedures can generate on operational performance in the banking sector, through the analysis of financial ratios. To this end, firstly, a literature review was conducted based on a qualitative approach, namely through research focused on books and scientific articles already published, and afterwards, a quantitative analysis was carried out throughout a case study. Therefore, after completing the study, the results reveal that the variables accepted in the case of the Eurobic bank are capital adequacy, efficiency, asset profitability and non productive loans. In the case of BPN, only two variables are considered: capital adequacy and net interest margin.
Description
Keywords
Setor bancário Instituições de crédito Fusões e aquisições Desempenho operacional Banking sector Operational performance Credit institutions Mergers & acquisitions