Annotated Bibliography Assignment Example | Topics and Well Written Essays - 500 words - 3

Annotated Bibliography - Assignment Example Yet, in a world that is increasingly complex and financially segmented, the power of relationship banking and lending to continue to define the future is increasingly limited. Another wrinkle that the authors indicate is the fact that the loan officer becomes nothing more than a receptacle of â€Å"soft† information specific to certain individuals and based upon existing relationships and past choices that have been made. In such a manner, the researchers point to the fact that this not only limits the degree and extent to which promotion and business development can take place, it constrains the organizational development of the banking institution. Nevertheless, the system, as described, helps to create a more dynamic entity that is able to react to market changes better than a faceless bank that is not attuned to the needs of the individual investor or borrower. This particular article, although somewhat old, focuses on the effects of bank mergers and acquisitions; specifically focusing on what the authors refer to as the static effect. Within this level of inquiry, the analysis seeks to divorce related issues from bank mergers and acquisitions by focusing on the antecedent institutions and refocusing the analysis on the similar and differential realities that are exhibited post-merger or acquisition. Similarly, the analysis provides a heavy analytical and quantitative measurement of these determinants in the hopes of pin-pointing the key differentials that are exhibited by firms at varying stages of the process. In order to counter for some of the data that was represented, the article also goes on to discuss the ways in which offsets to these factors may be recognized; essentially indicating that synergy and other business concepts can be applied as a means of understanding the oftentimes difficult process of two distinct entities coming to be one. The article