Week 14/15 Case 35 MAO Case No. M-2023-001

Question 1

Post-transaction, BPI as the surviving entity, will retain its current position as one of the largest players in the identified markets.

Question 2

Post-transaction, BPI Direct BanKo will simply retain its place in the market, with a negligible increase in its market share.

Question 3

Although BPI is one of the largest banks in the country, its post-transaction market share is insufficient to substantially lessen market competition. The presence of the remaining market players, including bigger banks, pose sufficient competitive pressure on the surviving entity.

Question 4

In loan products to corporate clients, post-transaction, BPI will not have enough market power to foreclose the rivals of its subsidiaries. The competitors’ offer of alternative or substitute loan services will further deter BPI from engaging in any foreclosure strategy.

Question 5

In insurance (bancassurance) products, post-transaction, the merged entity does not hold significant market share.