Post-Merger Dynamics: A Comprehensive Study of Performance of Indian Public Sector Banks

Author(s)	Mr. MANASH PRATIM GOSWAMI, Prof. Santosh Kumar Mahapatra
Country	India
Abstract	This study examines the impact of mergers on bank performance, focusing on the mergers that took place in the year 2020 among 10 Public Sector Banks (PSBs) in India. The findings unveil positive shifts in the post-merger period by analysing key financial indicators, including profitability, liquidity, solvency, employee efficiency, and asset quality. Notable enhancements in Return on Assets (ROA) and Return on Equity (ROE) indicate improved profitability and shareholder returns. Changes in Asset quality and solvency ratio reflect greater stability, while employee efficiency indicators demonstrate increased productivity. This study adds to the merger literature in emerging markets and provides thorough evaluations of India's 2020 mega bank consolidation.
Keywords	Merger, Public Sector Bank, Profitability, Asset Quality, Efficiency
Field	Business Administration
Published In	Volume 8, Issue 2, March-April 2026
Published On	2026-04-08
DOI	https://doi.org/10.36948/ijfmr.2026.v08i02.73907

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