MUFG 和 Krungsri 併購中的網絡協同效應

Abstract

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This case study examines the acquisition of Krungsri by MUFG in 2015. The main interest lies in identifying synergies between local and foreign-owned banks in terms of product diversification and geographic expansion into Southeast Asia. MUFG’s acquisiton of Krungsri is a successful model in the Thai market that combines local and international elements. MUFG's strong position in the global market and Krungsri's leading position in local retail finance. Each bank play off each other’s strengths in their core customer sectors (MUFG in the corporate sector, Krungsri in the retail sector), thereby increasing their ability to diversify their products and services. As a leading Japanese bank in Thailand, MUFG can strengthen its positions by gaining more market share in other customer sectors and promoting more product diversification in the Thai market. The case studying to understanding the synergetic relationship of product diversification and geographic expansion in the banking industry. In this case study,motivation, synergetic effects, and resulting performance are examined.This case answered the question of companies creating positive feedback in general, albeit by varying degrees, thus demonstrating how MUFG and Krungsri gain a competitive advantage through hybrid banking. The case has also broad implication to banking industry in Thailand where there have been an increasing number of Thai domestic banks owned by foreign banks due to a regulatory relaxation of the Bank of Thailand.1 After studying the case, I will evaluate the success from the synergy perspective. Furthermore, made some suggestions on strategy that might be maximize the value of the acquisition in the future.