The first two sections of this book explained the regulatory framework surrounding bank mergers and the strategies and standards that should inform them. This section addresses the equally important topic of synergies, defined as the incremental value created through combination. Chapter 7, Postmerger Integration for Banks, explains why and how banks combine their resources, processes, and responsibilities through mergers. Chapter 8, Bank M&A: Case in Point, provides a brief but instructive example of success. Chapter 9, Banking on the Future, concludes this section by providing a look at the future of banking.