A Study On Financial Performance of Banks with Reference to Recent Merger Announcement in India

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@article{1722234,
      author = {Shravani M, Dr. Mallesha L},
      title = {A Study On Financial Performance of Banks with Reference to Recent Merger Announcement in India},
      journal = {Iconic Research And Engineering Journals},
      year = {2026},
      volume = {10},
      number = {2},
      pages = {932-940},
      issn = {2456-8880},
      url = {https://www.irejournals.com/formatedpaper/1722234.pdf},
      abstract = {This study examines the financial performance of selected public sector banks in India with reference to the recent merger announcements implemented by the Government of India. The research focuses on four major acquiring banks - Canara Bank, Punjab National Bank, Indian Bank, and Union Bank of India - and compares their financial performance during the pre-merger and post-merger periods. The study uses secondary data collected from annual reports, RBI publications, official bank websites, and other reliable financial sources. Financial performance is evaluated using key ratios such as the Current Ratio, Debt-Equity Ratio, Net Profit Ratio, Return on Assets (ROA), Return on Equity (ROE), and Cost-to-Income Ratio. The findings indicate that the mergers generally improved profitability, operational efficiency, asset utilization, and capital structure while maintaining stable liquidity. Although the banks faced short-term integration challenges, their overall financial performance strengthened over time. The study concludes that the recent public sector bank mergers have enhanced the financial stability and competitiveness of the selected banks and provides useful insights for policymakers, researchers, investors, and banking professionals regarding the long-term impact of bank consolidation in India.},
      month = {August},
      doi = {https://doi.org/10.64388/IREV10I2-1722234}
  }