For the past ten years a serious changes have been occurring in the banking industry. Significant transformations can be noticed in the financial sector market structure due to the mergers and acquisitions. Decrease in credit institutions operating in the Western Europe and noticeable increase in concentration and competition. Additionally the total value of assets increased in all examined countries. Western Europe market as a whole saw an increase of almost 100% in the asset value. The total number of operating banks declined to around 7000 institutions, a decline of 30% during the time period. The concentration ratio increased in majority of the countries with Estonia and Netherlands holding the biggest CR5 ratios. The number of micro and macro environmental factors contributed to the changes in the industry. The most influential and therefore important were political factors, including changes in regulations and policies regarding consolidation in the banking sector. Economic, Social and Technological factors were less affective with economic growth being the most influential force. Micro economic analysis proved that consumers and competitors were the most crucial factors that helped to bring the cross-border restructuring

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