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@article{174420,
        author = {Sarita Chouhan and Dr.Mahendra Singhai},
        title = {Driving Forces behind Mergers and Acquisitions in Public Sector Banks: An Analytical Study},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {10},
        pages = {3924-3928},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=174420},
        abstract = {Mergers and acquisitions (M&A) in public sector banks (PSBs) play a crucial role in enhancing financial stability, improving operational efficiency, and addressing economic challenges. This study explores the key driving forces behind M&A in PSBs, focusing on economic, regulatory, and strategic factors. Using an analytical approach, the research examines how government policies, financial performance, technological advancements, and market competition influence consolidation decisions. The paper also evaluates the impact of M&A on bank profitability, customer service, and overall sectoral growth. Additionally, case studies of significant PSB mergers, such as the consolidation of State Bank of India (SBI) with its associate banks and the amalgamation of Punjab National Bank (PNB) with other entities, are analyzed to assess real-world implications. Findings suggest that while M&A can strengthen banking institutions, challenges such as cultural integration and regulatory compliance must be carefully managed. This study provides insights for policymakers, banking professionals, and researchers to understand the evolving landscape of public sector banking consolidation.},
        keywords = {Mergers and Acquisitions, Public Sector Banks, Financial Stability, Banking Reforms, Economic Growth, SBI Merger, PNB Amalgamation, Case Studies in Banking M&A},
        month = {March},
        }