Financial Performance of Indian Public Sector Banks Post-Mega Merger: A Decadal Analysis Using Key Financial Ratios

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Yogeesha Prabhu H N; Mahesha M

Financial Performance of Indian Public Sector Banks Post-Mega Merger: A Decadal Analysis Using Key Financial Ratios

Authors: Yogeesha Prabhu H N, Mahesha M

Unique Paper ID: 183262
Volume: 12
Issue: 3
PageNo: 622-630

Keywords: Merger Pre-merger and Post Merger CAR CASA ROCE ROA ROE

Abstract:
The Indian banking sector has witnessed substantial transformation through the execution of mega mergers among public sector banks between 2017 and 2020. This study analyses the financial effects of these consolidations by examining nine major financial ratios - encompassing profitability, capital strength, and asset quality—across five leading merged banks over a ten-year period split into pre-merger (2016–2020) and post-merger (2021–2025) phases. Using descriptive statistical methods, including mean, standard deviation, and coefficient of variation, the research assesses shifts in performance, variability, and stability within and among the selected five banks. The results demonstrate a spectrum of outcomes, while multiple banks evidenced enhanced profitability and stronger capital post-merger, others encountered volatility and erratic trends, largely influenced by integration issues, and inherited operational challenges. Overall, these findings highlight that merger outcomes are affected not only by strategic objectives but also by pre-existing conditions and the complexity of harmonizing large institutions. The study offers practical insights for policymakers and bank management aiming to maximize merger synergies and build durable, high-performing public sector banks in India’s dynamic financial landscape.

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ISSN: 2349-6002
Volume: 12
Issue: 3
PageNo: 622-630

Financial Performance of Indian Public Sector Banks Post-Mega Merger: A Decadal Analysis Using Key Financial Ratios

Available:https://ijirt.org/article?manuscript=183262

Impact Factor
8.01 (Year 2024)

UGC Approved
Journal no 47859

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