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@article{191605,
        author = {Dr. Rajnalkar Laxman and Vijayalakshmi Mallikarjun},
        title = {“Impact of Bank Merger on Financial Performance: A CAMEL Evaluation of the Canara and Syndicate Bank”},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {7191-7196},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=191605},
        abstract = {The large-scale merger of public sector banks undertaken in India during 2020 was a significant reform policy intended to streamline operations, enhance financial stability, and upgrade the global standing of state-run banks. Amid this broader reform initiative, the merger of Syndicate Bank into Canara Bank created the fourth-largest public sector bank by business size and network presence. This study empirically evaluates the financial performance implications of this merger using the CAMEL framework. The analysis is based on secondary data extracted from annual reports for the pre-merger period (2015-2019) and post-merger period (2021-2025). Descriptive statistical techniques were used to analyse performance patterns, and paired sample t-tests were applied to assess the statistical significance of the observed variations.
The results demonstrate considerable improvements in Capital Adequacy Ratio, Return on Equity, and Return on Assets exhibiting upward trajectories. Asset quality indicators, including Net and Gross NPA ratios, showed discernible improvement, although these changes were statistically insignificant, reflecting ongoing resolution and recovery efforts. Management efficiency measures presented mixed outcomes due to transitional integration effects. Liquidity parameters improved significantly, highlighting enhanced financial stability of the merged entity. Overall, the findings suggest that the Canara & Syndicate merger contributed positively to the bank’s financial performance and risk profile, validating the strategic rationale of consolidation. The study offers relevant insights for policymakers, regulators, and banking practitioners engaged in evaluating long-term impacts of PSB restructuring initiatives in India.},
        keywords = {Bank Merger, CAMEL Framework, Financial Performance, Public Sector Banks.},
        month = {January},
        }