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School of Business and Management Xavier University – Ateneo de Cagayan Corrales Avenue, Cagayan de Oro City, 9000 hili!!ines
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BA%&' Business olicy
A Case Study Analysis of Equitable PCI Bank
Su(mitted (y' Ba$uial, #a)el Ann Marie S* Cuaresma,+onna Cyle C* Masayon, Mary A!!le +ane ahamtang, aren Michelle * -illaester, .on /aurence B*
Su(mitted to' /orelei a(illore, MBA
March , 10%2
Third Person Point of View
I.
State tatem ment of the the Probl roble em "s the merger of 3$uita(le hili!!ine Commercial "nternational Ban4 53$uita(le C" Ban46 and Banco de Oro Universal Ban4 5B.O6 (eneficial to 3$uita(le C" Ban4, B.O (eing the largest shareholder 7hen in fact C" is the & rd largest (an4 7hile B.O is ran4ed 8th largest in the hili!!ines in terms of asset
II.
Obe!ti"es :o determine the effect of the merger to C" (an4, its !ros and cons* :o determine the effect of the B.O;C" (an4 merger to the hili!!ine economy and to the (an4ing (usiness* • •
III.
Areas reas of Consid nside erati ratio on At the time of merger C" is the & rd largest (an4 and B.O is the 8 th largest (an4 in terms of asset in the hili!!ines and C" had almost three times the ca!ital B.O* 3$uit 3$uita( a(le le C" C" Ban4 Ban4 7as 4no7 4no7n n for for a 7ide 7ide rang range e of servic services es from from saving savings s to insurance insurance and, its 7holly;o7ned su(sidiary 3$uita(le Card rating* Since 1002, B.O 7anted to merge 7ith C"? it 7as only successful on .ecem(er 100 7ith the formation of Banco de Oro Uni(an4, "nc* •
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IV. IV.
Alte Altern rnat ati" i"e e Cou Cours rses es of A!tio !tion n %* Merger Merger of 3$uita(l 3$uita(le e C" Ban4 and and B.O 7hich 7hich resulted resulted to Banco Banco de Oro Uni(an4, Uni(an4, "nc* Ad"anta#es$ :he merger 7ould lead to a creation of the 1 nd largest (an4 and in time 7ould (ecome % st on the list* 3$uita(le C"=s de(t rating could rise* "ncrease ca!ital ade$uacy ratio 5CA#6 ratio 5CA#6 7ithout having to raise more ca!ital* @ider @ider net7or4 net7or4 and internation international al lin4s lin4s as the merger 7ould 7ould attract attract many investors* "ncrease of the mar4et share and the fair mar4et value of the (an4* @ould lead to a creation of a stronger and more !rofita(le (an4 and 7ould contri(ute greatly to the economy* • •
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%isad"anta#es$
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Conflict of interest (et7een the to! management of the t7o (an4s* @ould @ould mono! mono!oli oli)e )e the (an4i (an4ing ng indust industry ry and and 7ould 7ould creat create e legal legal dis!utes among its com!etitors* Banco de Oro 7ould (ecome the surviving entity there(y deleting the name of 3$uita(le C" (an4 in the (an4ing industry* ro(lems in the transition 7ould definitely occur*
1* 3$uita( 3$uita(le le C" Ban4 Ban4 and and B.O remain remain t7o singl single e entities entities** Ad"anta#es$ #etention of the name 7hich it too4 the (an4 years to esta(lish*
%isad"anta#es$ :he (an4 might incur higher cost for ca!ital generation* 3!ansion to (ecome the nation=s largest 7ould entail more cost of ca!ital* :o (ecome (ecome the the natio nation= n=s s large largest st 7ould 7ould ta4e ta4e time time and and might might (e im!ossi(le since at that time the (an4ing (usiness 7ere dominated (y 1 maor !layers namely MetroBan4 and B"* • •
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V.
Con! Con!lu lusi sion on&' &'e! e!om omme mend ndat atio ion n :he grou! grou! concl conclud udes es that that the merge mergerr of 3$ui 3$uita( ta(le le hili hili!! !!ine ine Comme Commerci rcial al "nternational Ban4 53$uita(le C" Ban46 and Banco de Oro Universal Ban4 5B.O6 is (eneficial to 3$uita(le C" Ban4, the merger resulted to Banco de Oro Uni(an4 7hich (ecame the 1 nd largest (an4 after the merger and no7 4no7n as the % st largest (an4 in the hili!!in hili!!ines* es* :he merger created a !o7erhouse institution 7ith a maor !resence in (usiness lines such as retail (an4ing, asset management, foreign echange remittances, credit cards, and under7riting 7hich (enefited the economy of the hili!!ines* :he only
loo!hole in the merger is the vanishing of 3$uita(le C" Ban4=s name 7hich too4 the com!a com!any ny years years to esta( esta(lis lish h and and is reno7 reno7ned ned in the (an4i (an4ing ng indust industry ry** :hou :hough gh the com! com!an any y name name is gone gone its its su(s su(sta tanc nce e is stil stilll !res !resen entt 7hic 7hich h the the grou grou! ! (eli (eliev eved ed contri(uted to the success of the Banco de Oro Uni(an4*
