Barclays’ consumer banking unit in the United States is set to acquire personal loan platform Best Egg.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.The $800 million deal between Barclays U.S. Consumer Bank (USCB ...

公司战略 - 公司对美国消费金融领域的押注是首席执行官C S Venkatakrishnan提振该英国银行股价计划的一部分 [1]

This story was originally published on Banking Dive. To receive daily news and insights, subscribe to our free daily Banking Dive newsletter. Barclays’ U.S. consumer bank will acquire personal lending fintech Best Egg for $800 million, the bank said Tuesday.  The deal is expected to close in the second quarter of 2026, following a previously announced sale of Barclays' American Airlines co-branded credit card receivables.  The bank estimates the transactions, combined, will increase Barclays’ common equity ...

交易概述 - Capital One以350亿美元完成对Discover Financial Services的收购[1] - 交易将重塑信用卡行业格局 合并后公司将成为贷款规模领域的巨头[1] - Discover股东每股获得1.0192股Capital One股票 三名Discover董事加入Capital One董事会[5] 战略价值 - 公司获得Discover支付网络控制权 成为美国四大支付网络之一 减少对Visa和Mastercard双头垄断的依赖[2] - 预计2027年实现15亿美元费用协同效应和12亿美元网络协同效应 2027年非GAAP每股收益增厚超过15%[6] - 合并后公司普通股一级资本比率(CET1)将达到约14%[7] 市场影响 - 合并增强公司在信用卡市场的竞争力 直接挑战Visa和Mastercard[2] - 公司股价过去一年上涨40.3% 跑赢行业39%的涨幅[11] - Discover全国直销银行将强化公司"数字优先"银行模式 加速全国银行业务增长[9] 监管与执行 - 交易历时15个月 最终获得美联储和货币监理署批准 美国司法部未提出异议[3] - 批准附带条件 公司需解决Discover此前存在的商户超额收费问题[4] 客户与运营 - 现有客户账户和银行关系暂不改变 变更前将提供全面信息[8] - 公司计划继续提供Discover品牌信用卡及现有消费信用卡产品[8] - 通过收购战略(如ING Direct USA HSBC信用卡组合等) 公司已从单一信用卡发行商转型为多元化金融服务机构[10]