Imagine you have a commanding market share in the national market, achieved partly by buying large rivals. Now, the scope for further M&A is not as great as before, partly due to competition rules. New technology is bringing new earnings possibilities – but also new challenges to your customer base.
These are issues that many large national champion banks are facing today, notably in Europe: whether it’s Lloyds Banking Group in the UK, Intesa Sanpaolo in Italy or CaixaBank in Spain.
CaixaBank’s 2021 integration of Bankia, previously Spain’s fourth biggest bank, gave it the largest market share of Spanish loans and deposits, almost 25%.
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