Acquisition and Recapitalization
With increase regulatory burdens and capital requirements, banks may need additional capital and/or new capital structures to continue growth and profitability.
GRFI can lead your management and board through a capital analysis process and help you decide what your best course of action is to ensure your bank is adequately capitalized to meet your bank’s capital objectives. Using its network of industry contacts and investors, GRFI can assist in finding the right partners for acquisition or recapitalization.
Credit Union Mergers
Mergers can assist many credit unions in remaining viable while maintaining market share in an otherwise completely unfavorable operating environment. The best strategic reasons to merge are well known:
- Asset and member acquisition
- Stronger branch and infrastructure systems
- Product and services portfolio growth
- Creation of proactive market share strategies
Combining forces to form a “larger” credit union can often provide the resources that will allow the new organization to maintain and grow market share, while also providing its membership with a broader array of products and services. The infrastructure would provide added support in the areas of technology and IT, compliance and security, as well as expanded branch and ATM access. Credit unions can often achieve greater synergy through such regional partnerships.
GRFI/The Frerichs Group offers the following services for Merger and Acquisition Consulting:
- Identify merger partners and assess potential
- Analyze and prioritize acquired distribution system
- Assist in negotiating acceptable terms
- Facilitate integration