{"title":"评估并购对银行财务健康的影响:赞比亚 Atlas Mara 银行案例研究","authors":"Bettie Mpundu, Norman Kachamba","doi":"10.59413/ajocs/v4.i4.6","DOIUrl":null,"url":null,"abstract":"This article critically examines the impact of mergers and acquisitions (M&As) on the financial health of banks in Zambia, focusing on Atlas Mara Bank as a case study post-merger with BancABC and Finance Bank Zambia. In an era of rapid globalization and intense sectoral competition, this research explores strategic financial responses through M&As. Employing a mixed-method approach, data was collected through structured questionnaires and interviews from a targeted sample of 30 bank employees and analyzed using SPSS and Excel. Findings indicate significant improvements in profitability and operational efficiency post-merger, with Atlas Mara Bank expanding its network and enhancing revenue streams. These outcomes suggest that strategic mergers can lead to robust financial health in the banking sector, urging policymakers and bank executives to consider mergers as a viable strategy for growth and stability. The study concludes with recommendations for ongoing analysis into the broader socio-economic impacts of bank mergers and acquisitions, suggesting areas for future research including longitudinal studies on customer and employee satisfaction post-merger. This study contributes to the literature on financial strategies under competitive pressures in emerging markets, emphasizing the importance of understanding both exogenous and endogenous risks.","PeriodicalId":396950,"journal":{"name":"African Journal of Commercial Studies","volume":"5 11","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2024-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"An Evaluation of the Impact of Merger and Acquisition on the Financial Health of Banks: A Case Study of Atlas Mara Bank – Zambia\",\"authors\":\"Bettie Mpundu, Norman Kachamba\",\"doi\":\"10.59413/ajocs/v4.i4.6\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"This article critically examines the impact of mergers and acquisitions (M&As) on the financial health of banks in Zambia, focusing on Atlas Mara Bank as a case study post-merger with BancABC and Finance Bank Zambia. In an era of rapid globalization and intense sectoral competition, this research explores strategic financial responses through M&As. Employing a mixed-method approach, data was collected through structured questionnaires and interviews from a targeted sample of 30 bank employees and analyzed using SPSS and Excel. Findings indicate significant improvements in profitability and operational efficiency post-merger, with Atlas Mara Bank expanding its network and enhancing revenue streams. These outcomes suggest that strategic mergers can lead to robust financial health in the banking sector, urging policymakers and bank executives to consider mergers as a viable strategy for growth and stability. The study concludes with recommendations for ongoing analysis into the broader socio-economic impacts of bank mergers and acquisitions, suggesting areas for future research including longitudinal studies on customer and employee satisfaction post-merger. This study contributes to the literature on financial strategies under competitive pressures in emerging markets, emphasizing the importance of understanding both exogenous and endogenous risks.\",\"PeriodicalId\":396950,\"journal\":{\"name\":\"African Journal of Commercial Studies\",\"volume\":\"5 11\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2024-06-16\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"African Journal of Commercial Studies\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.59413/ajocs/v4.i4.6\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"African Journal of Commercial Studies","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.59413/ajocs/v4.i4.6","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
摘要
本文以阿特拉斯马拉银行(Atlas Mara Bank)与 BancABC 和赞比亚金融银行(Finance Bank Zambia)合并后为案例,批判性地研究了并购(M&A)对赞比亚银行财务健康的影响。在快速全球化和行业竞争激烈的时代,本研究探讨了通过并购做出的战略性财务回应。研究采用混合方法,通过结构化问卷调查和对 30 名银行员工的访谈收集数据,并使用 SPSS 和 Excel 进行分析。研究结果表明,合并后银行的盈利能力和运营效率有了明显提高,阿特拉斯马拉银行扩大了网络,增加了收入来源。这些结果表明,战略兼并可以使银行业的财务状况更加稳健,从而敦促政策制定者和银行高管将兼并作为实现增长和稳定的可行战略。研究最后建议继续分析银行并购对社会经济的广泛影响,并提出了未来的研究领域,包括对并购后客户和员工满意度的纵向研究。本研究为有关新兴市场竞争压力下的金融战略的文献做出了贡献,强调了了解外生和内生风险的重要性。
An Evaluation of the Impact of Merger and Acquisition on the Financial Health of Banks: A Case Study of Atlas Mara Bank – Zambia
This article critically examines the impact of mergers and acquisitions (M&As) on the financial health of banks in Zambia, focusing on Atlas Mara Bank as a case study post-merger with BancABC and Finance Bank Zambia. In an era of rapid globalization and intense sectoral competition, this research explores strategic financial responses through M&As. Employing a mixed-method approach, data was collected through structured questionnaires and interviews from a targeted sample of 30 bank employees and analyzed using SPSS and Excel. Findings indicate significant improvements in profitability and operational efficiency post-merger, with Atlas Mara Bank expanding its network and enhancing revenue streams. These outcomes suggest that strategic mergers can lead to robust financial health in the banking sector, urging policymakers and bank executives to consider mergers as a viable strategy for growth and stability. The study concludes with recommendations for ongoing analysis into the broader socio-economic impacts of bank mergers and acquisitions, suggesting areas for future research including longitudinal studies on customer and employee satisfaction post-merger. This study contributes to the literature on financial strategies under competitive pressures in emerging markets, emphasizing the importance of understanding both exogenous and endogenous risks.