There are four main challenges that mid-sized banks face

There are four main challenges that mid-sized banks face

01

Challenge

02

Challenge

03

Challenge

04

Challenge

Exposure to non-performing assets (NPAs)

Plummeting profitability

Higher density balance-sheet exposure to risk-weighted assets (RWAs)

Tougher regulation and capital requirements

This combination of factors is making it tough for small and mid-sized banks – unless they have a strong fee-based business.

STRATEGIC ALTERNATIVES

The combination of the three above-mentioned pillars make the survival of small and mid-sized banks in the current environment tough unless they have a strong fee-based business.

Many mid-sized banks, either forced by regulatory or capital pressure, have implemented one of the following alternatives:

Alantra’s experience demonstrates that to make any of them feasible and maximize value for existing shareholders, any alternative requires that institutions prepare their NPA exposure for a due diligence process in order to ensure investor’s confidence on the franchise and manageable future provision requirements that would not imply further dilution.

Alantra FIG

Óscar García-Cabeza

Óscar García-Cabeza

Managing Partner,
Alantra FIG

oscar.garciacabeza@alantra.com

Juan Venegas

Juan Venegas

Managing Director,
Alantra FIG

juan.venegas@alantra.com

Joel Grau

Joel Grau

Managing Partner,
Alantra CPA

joel.grau@alantra.com

Francesco Moccagatta

Francesco Moccagatta

Managing Partner,
Alantra Italy

francesco.moccagatta@alantra.com

Miguel Hernández

Miguel Hernández

Managing Partner,
Alantra Spain

miguel.hernandez@alantra.com

George Longos

George Longos

Managing Partner,
Alantra Greece

george.longos@alantra.com

Rita Barosa

Rita Barosa

Managing Partner,
Alantra Portugal

rita.barosa@alantra.com

Klaus Vukovich

Klaus Vukovich

Managing Partner,
Alantra Austria & CEE

klaus.vukovich@alantra.com

OUR EXPERTISE

Banks

Funds

Óscar García-Cabeza

Óscar García-Cabeza

Managing Partner,
Alantra FIG

oscar.garciacabeza@alantra.com

Juan Venegas

Juan Venegas

Managing Director,
Alantra FIG

juan.venegas@alantra.com

Joel Grau

Joel Grau

Managing Partner,
Alantra CPA

joel.grau@alantra.com

Francesco Moccagatta

Francesco Moccagatta

Managing Partner,
Alantra Italy

francesco.moccagatta@alantra.com

Miguel Hernández

Miguel Hernández

Managing Partner,
Alantra Spain

miguel.hernandez@alantra.com

George Longos

George Longos

Managing Partner,
Alantra Greece

george.longos@alantra.com

Rita Barosa

Rita Barosa

Managing Partner,
Alantra Portugal

rita.barosa@alantra.com

Klaus Vukovich

Klaus Vukovich

Managing Partner,
Alantra Austria & CEE

klaus.vukovich@alantra.com

OUR EXPERTISE

Banking M&A

Portfolio Advisory

Real Estate

ECM

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