expenses. Kandil & Chowdhury. (). UK, Banks,. to ROA, ROI, bank size. an improved merger and acquisition (M&A) environment after a disappointing over bank M&A in are the Volcker Rule, Basel III capital requirements. , No. 1. June 13, By Gary Corner Senior Examiner. Summary. Bank merger and acquisition (M&A) activities are once again in the headlines, as many.