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Journal articles on the topic 'Bank Merger'

Author: Grafiati

Published: 4 June 2021

Last updated: 26 July 2025

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1

Nandy, Debaprosanna, and Manas Kr Baidya. "Efficiency Study on Proposed Merger Plan of State Bank of India (SBI) and its Subsidiaries." International Journal of Productivity Management and Assessment Technologies 1, no. 1 (2012): 1–17. http://dx.doi.org/10.4018/ijpmat.2012010101.

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The Banking industry is undergoing unprecedented changes driven by consolidation through mergers and acquisitions all over the world. India is no exception. Merger of State Bank of India (SBI) and its subsidiary banks have been for several years, and SBI has already merged State Bank of Saurashtra (2008) and State Bank of Indore (2010) with itself. SBI management proposes to merge its five remaining subsidiaries within the next two fiscal years. The present paper measures and examines technical efficiency of SBI and its subsidiaries before and after their hypothetical merger. The study has uti

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Koetter, Michael. "An Assessment of Bank Merger Success in Germany." German Economic Review 9, no. 2 (2008): 232–64. http://dx.doi.org/10.1111/j.1468-0475.2008.00432.x.

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Abstract German banks have experienced a merger wave since the early 1990s. However, the success of bank mergers remains a continuous matter of debate.This paper suggests a taxonomy to evaluate post-merger performance on the basis of cost and profit efficiency (CE and PE). I identify successful mergers as those that fulfill simultaneously two criteria. First, merged institutes must exhibit efficiency levels above the average of non-merging banks. Second, banks must exhibit efficiency changes between merger and evaluation year above efficiency changes of nonmerging banks. I assess the post-merg

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Manisha, Chikka. "A Study on Comparative Analysis of Selected Banks: Pre and Post Merger Performance." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 02 (2025): 1–9. https://doi.org/10.55041/ijsrem41542.

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This study analyses the pre- and post-merger financial performance of three Indian public sector banks: Canara Bank (merged with Syndicate Bank), Union Bank of India (merged with Andhra Bank and Corporation Bank), and Indian Bank (merged with Allahabad Bank). Using financial ratios (ROA, ROE, NPA ratio, and CAR) for three years before and after each merger (2017-2024), the research investigates the impact of mergers on profitability, asset quality, and capital adequacy. A paired t-test is employed to determine the statistical significance of changes in these ratios. The analysis reveals mixed

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Oziegbe, David Jerry, Daniel Daniel Monday, Maxwell Ogbemudia Obasuyi, and Ifunanyachukwu Jennifer Okoh. "Mergers and Financial Performance of Access Bank Plc in Nigeria." FUDMA Journal of Accounting and Finance Research [FUJAFR] 2, no. 3 (2024): 118–28. http://dx.doi.org/10.33003/fujafr-2024.v2i3.123.118-128.

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This study examined the impact of mergers and acquisition on the financial performance of merged banks in Nigeria. Specifically, the study aimed to investigate the impact of the merger between Access bank Plc and Diamond Bank Plc on financial performance. The merger period was classified into (2016 to 2019) and (2020 to 2023). Secondary data was obtained from the annual reports of Access Bank plc for the period under review. The t-test statistic was used to determine if there is a significant difference in the financial performance of Access bank pre-merger and the post-merger. The findings re

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Adhikari, Pitri Raj. "Effects of mergers in financial performance of Nepalese Commercial Banks." International Research Journal of Management Science 7, no. 1 (2022): 101–20. http://dx.doi.org/10.3126/irjms.v7i1.50631.

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Purpose- This paper attempts to evaluate the synergistic effect of the merger on financial performance, market share, and the wealth of the shareholders of the selected BFIs. Methodology- Two cases of mergers of commercial banks have been taken as samples for the study. First is the merger between Prabhu Bank Limited and Grand Bank Limited (forming Prabhu Bank Limited) and second is the merger between Lumbini Bank Limited and Bank of Kathmandu Limited (forming Bank of Kathmandu Limited). Both the mergers happened in 2016. To analyze the mentioned variables of the selected BFIs, pre-merger (201

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Qurniawati, Rina, Yulfan Nurohman, and Aulia Fatharani. "Determinants of Customer Switching Intention: Empirical Evidence from Sharia Bank Mergers in Indonesia." El-Qist: Journal of Islamic Economics and Business (JIEB) 12, no. 1 (2022): 17–37. http://dx.doi.org/10.15642/elqist.2022.12.1.17-37.

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Abstract: This study examines the factors that affect customers switching intentions after three state-owned Indonesian sharia banks merge. Study on changing behavior in retail banks, especially in Islamic banks, is still rare. Especially in the context of mergers and acquisitions, this research is essential to do. The risk of losing customers in mergers and acquisitions (M&A) is very high because, during the integration phase, management often focuses on internal issues, leaving aside critical customer-related tasks. Therefore, a deeper understanding of the concept of M & A in the dis

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Ahdizia, Khulifa, Dian Masyita, and S. Sutisna. "Business Valuation of Islamic Banks in Merger Plan To Become An Indonesia’s State-Owned Islamic Bank." ETIKONOMI 17, no. 2 (2018): 223–36. http://dx.doi.org/10.15408/etk.v17i2.7238.

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Indonesia needs a sizeable Islamic bank to confront the ASEAN Economic Community (MEA) in 2020, so it can compete with existing Islamic banks in ASEAN. Then there was a plan to merge several Islamic banks into Government's Islamic banks. This study aims to analyze from the business valuation point of view about the Islamic bank's merger plan in Indonesia and to calculate the value of synergy if the bank merged. Company valuation used DCF-FCFE method and PBV. Islamic banks those were simulated merged are BSM, BRIS, and BNIS. Based on the study there is a synergy when the three banks merged. So,

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Babatunde Bunmi, Osifalujo, Isiaka Najeem Ayodeji, and Olufemi O. Omotilewa. "Merger and Acquisition and Perfomance of Deposit Money Banks in Nigeria: Pre and Post Analysis." Sumerianz Journal of Business Management and Marketing, no. 312 (December 4, 2020): 183–91. http://dx.doi.org/10.47752/sjbmm.312.183.191.

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Low capital base, insolvency, poor corporate governance and incessant banks distress among other factors have contributed to the recent failure of banks in Nigeria. To curb such challenges, banks all over the world now adopt mergers and acquisitions as a strategy to improve their performances. Therefore, this study examined the impact of mergers and acquisition on the performance of deposit money banks in Nigeria. The study considered capital structure, asset profile, total deposit and profit after tax of the selected bank as the measurement for the performance and effect of merger and acquisi

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Khasimpeera, K., and S. Raghunatha Reddy. "Do Bank Mergers Improve Performance? Evidence from Indian Bank’s Operational and Financial Metrics." Involvement International Journal of Business 2, no. 2 (2025): 103–19. https://doi.org/10.62569/iijb.v2i2.114.

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Bank mergers are a common strategy to enhance operational and financial performance in the banking industry. This study aims to evaluate the impact of mergers on banks in India by measuring various financial and operational metrics before and after the merger. This research employs a quantitative approach using secondary data analysis from financial reports of merged banks. Data from the pre-merger and post-merger periods were collected to compare key performance indicators, such as Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and operational efficiency ratio. A t

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Dwa, Sajena, and Ajay Kumar Shah. "A Study on Merger and Operating Performance of Commercial Banks of Nepal." Journal of Business and Social Sciences Research 2, no. 1-2 (2018): 85. http://dx.doi.org/10.3126/jbssr.v2i1-2.20959.

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<p>This study aims to find the impact of mergers on operating performance of sample merged banks. To attain the research objective, this study has taken 8 independent variables; operating profit margin, net profit margin, return on assets, return on equity, debt equity ratio, return on loan loss provision, return on staff expenses and return on operating expenses. Three cases have been taken for the study as a sample to examine whether merger has led to a profitable situation or not. Research mainly focuses on quarterly secondary data which is analyzed using paired sample t-test, correla

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Kuriakose, Sony, and Justin Paul. "Strategic and financial similarities of bank mergers." Review of International Business and Strategy 26, no. 1 (2016): 50–68. http://dx.doi.org/10.1108/ribs-09-2013-0084.

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Purpose – Consolidation through mergers and acquisitions indicates one of the major outcomes of the financial transformation process and contemporary trend in the Indian banking sector. Literature suggests that the pre-merger financials of banks are crucial in deciding the post-merger performance of merged entities. In this context, the aim of the present study is to provide insights on the strategic and financial similarities of merging partners in the bank mergers that occurred in the post-liberalization India. Design/methodology/approach – This paper considers all bank merger deals in the p

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Prasetyo Ramadhan, Shierly Margareth Mantiri, Septiana Rahayu, Dohan, and Vicaya Citta Dhammo. "Kinerja Keuangan Perbankan Syariah Sebelum dan Setelah Merger 3 Bank Umum Syariah." Jurnal Buana Akuntansi 7, no. 2 (2022): 122–33. http://dx.doi.org/10.36805/akuntansi.v7i2.2694.

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At the end of 2020, the Government of Indonesia through the Minister of State-Owned Enterprises announced that three state-owned Islamic banks, BNI Syariah, BRI Syariah and Bank Syariah Mandiri, will merge into Bank Syariah Indonesia. The merger comes amid the COVID-19 pandemic. The merger process of the three Islamic banks was marked by an agreement contained in the merger certificate. In 2021, on February 1, three Sharia banks BNI Syariah (BNIS), BRI Syariah (BRIS), Bank Syariah Mandiri (BSM) officially became Bank Syariah Indonesia (BSI). The merger of three state-owned Islamic commercial b

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Acharya, Krishna Prasad. "Impact of Merger on Financial Performance of Nepalese Commercial Bank." Journal of Balkumari College 9, no. 1 (2020): 101–4. http://dx.doi.org/10.3126/jbkc.v9i1.30093.

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Mergers and Acquisitions have become the most widely used business strategy of restructuring and strong financial institution to achieve competitiveness, to ensure long term existence with suitable profitability, to forge entering in new markets, and to ascertain the capital base etc. Specially, the merger law policy-2068 and monetary policy 2072 issued by Nepal Rastra Bank, the regulatory body of banks in Nepal, have been experienced as the most effective weapons for merger and acquisition in Nepalese Banking industry. This study makes an attempt to the latest Monetary Policy lays down measur

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Maemunah, Hayatul. "PENGARUH MERGER TERHADAP RENTABILITAS PADA BANK DANAMON (STUDI KASUS DI BURSA EFEK SURABAYA)." INVENTORY: JURNAL AKUNTANSI 1, no. 1 (2018): 24. http://dx.doi.org/10.25273/inventory.v1i1.2288.

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<p><strong>ABSTRACT</strong></p><p><br />As one of the financial instruments, the Bank plays a very important role, because the supervision of banking activities is increasingly being improved. However, with the current monetary crisis in Indonesia and the continuing turmoil of the political situation, it has brought the Indonesian banking industry into a really difficult situation. Considering the condition of this National Bank, the government decided to liquidate private banks with low performance. In the framework of national banking restructuring, the g

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Irna Maulana, Gemala Paramita, and Syahiruddin Syahiruddin. "The Effect of Mergers on Financial Performance PT. Bank Woori Saudara Indonesia 1906, Tbk." Ilomata International Journal of Management 1, no. 1 (2019): 19–30. http://dx.doi.org/10.52728/ijjm.v1i1.30.

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The Mergers are carried out by the companies to get a number of benefits. Mutually beneficial conditions will occur if the merger activities carried out can create the synergy, which finally, it is expected to improve the company's performance. This study aims to determine whether the financial performance after the merger has changed or not. The financial ratios studied are financial ratios four years after the merger and before the merger. This research was conducted by quantitative methods, by taking data from PT. Bank Woori Saudara Indonesia 1906, Tbk, which has merged in 2014 and has enga

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Baharudin, Alden Rizky, Alma Musa Rasyidi, M. Ridho Musfiq Amrullah, and Sabrina Wafa Rahendro. "Dampak, Peluang, dan Tantangan Kebijakan Merger Bank Syariah terhadap Stabilitas Perekonomian Negara (Studi Kasus: Bank Syariah Indonesia)." Diponegoro Journal of Islamic Economics and Business 2, no. 1 (2022): 22–37. https://doi.org/10.14710/djieb.20231.

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This paper discusses policies carried out by the Indonesian government regarding to the merger of state-owned Islamic banks, namely BRI Syariah, BNI Syariah, and Bank Syariah Mandiri which were merged to form Bank Syariah Indonesia (BSI). The purpose of this paper is to analyze the impact, opportunities, and challenges of that merger on the stability of the country's economy. Results of this analysis will be useful not only for the Government of Indonesia but also for BSI in formulating strategies to develop opportunities and mitigate risks. The result of the analysis in this paper is that the

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Kumar, Neeraj, Satish Chandra Tiwari, and Pooja Choudhary. "Mergers and Efficiency Gains: A Case of Indian Banks." Asian Journal of Empirical Research 9, no. 9 (2019): 230–37. http://dx.doi.org/10.18488/journal.1007/2019.9.9/1007.9.230.237.

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This paper reflects an attempt to measure the effect of mergers on efficiency of banks in India. Five major merger cases in India during 2000 to 2005 were examined to measure the pre- and post-merger efficiency to achieve the purpose of this study. Secondary data were obtained from bulletins and reports of the Reserve Bank of India (RBI) and Data Envelopment Analysis (DEA) was employed to calculate efficiency. The study found efficiency gains in four merger cases except the merger of the Oriental Bank of Commerce with the Global Trust Bank. The findings of the study suggest that market driven

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Miftah, Kindy, and Hendro Wibowo. "Merger and Industrial Acceleration: Study at Indonesian Islamic Banking Industry." Signifikan: Jurnal Ilmu Ekonomi 6, no. 1 (2017): 29–48. http://dx.doi.org/10.15408/sjie.v6i1.4728.

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The purpose of this research tries to feed the alternatives of merger between Islamic banks which becomes a form of recommendation to optimize the merger result, so it will contribute to the development of Indonesia’s banking sector in particular. Methodology of this study is using comparison technique utilize result of calculation valuation based on valuation theory in general with method discounted cash flaw (DCF). Valuation data processing using data past performance sharia banks is to plan future financial performance. Results of valuation will be conducted both with individual banks that

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Kurniawan, Rahmad, Sofyan Hakim, and Novi Angga Safitri. "The Existence Of Bank Syariah Indonesia Post-Merger In Denpasar City." Jurnal Ilmiah Ekonomi Islam 9, no. 2 (2023): 2697. http://dx.doi.org/10.29040/jiei.v9i2.8502.

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The Islamic Banking Revolution is a fairly basic change in a field of Islamic financial institutions that unites the 3 largest Islamic banks in Indonesia, namely Bank Mandiri Syariah, Bank BRI Syariah and Bank BNI Syariah which merge or merge into one called Bank Syariah Indonesia. This new breakthrough regarding the merger of state-owned banks is expected to be a breath of fresh air for all circles, especially non-Muslims to be more receptive to Islamic banking. It is certainly hoped that all Indonesian citizens regardless of their religion can accept Islamic banking as an economic system in

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Tandon, Akansha, and Himanshu Srivastava. "Redefining Bank Mergers through Digital Transformation: A Look at Bank of Baroda's Consolidation with Vijaya Bank and Dena Bank." RESEARCH REVIEW International Journal of Multidisciplinary 10, no. 4 (2025): 19–25. https://doi.org/10.31305/rrijm.2025.v10.n4.004.

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In the rapidly evolving banking sector, digital transformation is no longer an option but a necessity for survival and competitiveness. Bank mergers are often driven by the need for cost-efficiency, expanded market reach, and technological innovation. However, the success of a merger largely depends on the integration of digital technologies to streamline operations, enhance customer experience, and ensure regulatory compliance. This paper explores the role of digital transformation in bank mergers, with a special focus on the merger of Bank of Baroda (BOB), Vijaya Bank, and Dena Bank. The stu

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Putri Rahmaty Alimun, Andris Kasim, and Alfiresi Mamonto. "Analisis Kinerja Keuangan Bank Syariah Sebelum dan Setelah Merger dilihat dari Rasio Profitabilitas, Likuiditas dan Aktivitas." Mutanaqishah: Journal of Islamic Banking 2, no. 1 (2022): 10–20. http://dx.doi.org/10.54045/mutanaqishah.v2i1.208.

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Mergers can be one of the steps taken by Islamic banking in terms of accelerating the development and growth of Islamic banks in Indonesia. This can be seen from several companies that have merged and brought changes to the company for the better. Thus, BUMN took the decision to merge 3 state-owned banks in order to grow rapidly. This study aims to see whether there is a comparison between before and after the merger. It is seen based on the ratio of profitability, liability, and activity. After calculating these ratios, it can be seen that the profitability and liability ratios change every q

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Sharma, Tanu, and Pramod Kumar. "Evaluating Credit Risk Efficiency in Indian State-Owned Banks: Pre-Merger vs. Post-Merger Perspectives." Journal of Research in Business and Management 13, no. 01 (2025): 30–35. https://doi.org/10.35629/3002-13013035.

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Indian banks are increasingly engaging in mergers, combining resources under a unified charter to enhance efficiency, expand operations, and strengthen credit risk management. This study assesses the impact of mergers on the credit risk performance of Indian state-owned banks, focusing on Canara Bank, Punjab National Bank (PNB), and Bank of Baroda (BOB). Using secondary data, key credit risk indicators such as operational efficiency, management efficiency, capital adequacy ratio, return on assets, liquidity, CASA ratio, and non-performing assets (NPA) ratio are analysed. The paired t-test meth

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Kishore V, Sai, Hema Divya, and K. V. L. Madhav. "ANALYTICAL STUDY ON THE MERGER OF BANK OF BARODA, VIJAYA BANK AND DENA BANK, ON THE BACK DROP OF THEIR NPAS." International Journal of Advanced Research 9, no. 5 (2021): 906–12. http://dx.doi.org/10.21474/ijar01/12922.

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Banking Industry in India witnessed a large-scale merger in recent times, which was earlier often sought out solution in the corporates to improve the efficiency and profitability. Bank mergers and acquisitions are more often witnessed across Europe and America. We have witnessed few acquisitions/mergers in the past few decades after liberalization. Present situation of mergers in the Banking Industry is primarily due to the failure of some banks with respect to recovery of loans. This would result in incurring losses and failing to meet the liquidity needs of the deposits side. There have bee

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Al-Binali, Tamy, Ahmet Faruk Aysan, Hasan Dinçer, Ibrahim Musa Unal, and Serhat Yüksel. "New Horizons in Bank Mergers: A Quantum Spherical Fuzzy Decision-Making Framework for Analyzing Islamic and Conventional Bank Mergers and Enhancing Resilience." Sustainability 15, no. 10 (2023): 7822. http://dx.doi.org/10.3390/su15107822.

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This study explores the implications of merging two fundamentally different types of banks: Islamic and conventional banks. The research aims to provide insight into the unique opportunities and challenges presented by such a merger and to offer strategic guidance for future mergers. A balanced scorecard-based strategic analysis using a Quantum Spherical Fuzzy Decision-Making Approach was used to develop short- and long-term strategic plans for the merged bank. The balanced scorecard included 12 key performance indicators (KPIs) in 4 groups, and the methodology incorporated several questions t

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Ranzy.K.P*, &. Dr.P.S.Chandni. "A STUDY ON THE SATISFACTION OF EMPLOYEES OF STATE BANK OF TRAVANCORE TOWARDS ITS MERGER WITH STATE BANK OF INDIA WITH SPECIAL REFERENCE TO MALAPPURAM REGION." INTERNATIONAL JOURNAL OF RESEARCH SCIENCE & MANAGEMENT 4, no. 11 (2017): 31–38. https://doi.org/10.5281/zenodo.1043715.

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The State Bank of Travancore (SBT) is officially State Bank of India (SBI) now, with its merger with the latter. Through mergers with its associate banks, SBI will benefit from better reach and network, and will find itself among the world’s largest banks. But it also risks ignoring local sensibilities. Though State Bank of India consolidation has many benefits, it’s not without pitfalls. The five banks recently merged with SBI are State Bank of Travancore, State Bank of Bikaner and Jaipur, State Bank of Mysore, State Bank of Hyderabad and State Bank of Patiala. SBI also absorbed Bharatiya Mah

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Rani, Neeraj, and Dr Sangeeta. "Effect of Mergers on Bank of Baroda Before and After, a Study of the Banking Sector." Financial Engineering 1 (July 17, 2023): 307–15. http://dx.doi.org/10.37394/232032.2023.1.29.

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The banking industry has been essential to the economy’s development. Mergers and acquisitions are one of the best ways for banks to expand. The government merged banks when banks had more non-performing assets (NPA), less efficiency for work, no global reach, less profitable situation, or had other unimportant features. The government decided to combine three public sector banks in 2019, namely Vijaya Bank, Dena Bank, and Bank of Baroda (BOB). BOB rose to become India’s third-largest bank following the merger. In order to analyze the position of the bank, the study covered various indicators

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Matsahri, Matsahri, Tika Widiastuti, Masrizal Masrizal, Imron Mawardi, Nikmatul Atiya, and Muhamat Ali Sadikin. "The Moderating Role of Merger on the Switching Intention to Use Islamic Bank: The Case of Indonesia." Journal of Accounting Research, Organization and Economics 7, no. 2 (2024): 219–36. http://dx.doi.org/10.24815/jaroe.v7i2.36470.

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Objective –Since February 2021, the government decided to merge 3 Islamic banks to increase Islamic bank markets. This policy raises pros and cons in society. This research analyses the mediating role of mergers on the switching intention to use Islamic banks.Design/Methodology –This research is a quantitative study using the Structural Equation Model Partial Least Square (SEM-PLS). A total of 108 respondents' data were analyzed. The data was collected through an online survey utilizing social media which was shared directly with respondents in the city of Surabaya. The respondents' criteria w

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Lestari, Murti, and Lincolin Arsyad. "The Response of Performance to Merger Strategy in Indonesian Banking Industry: Analyses on Bank Mandiri, Bank Danamon, and Bank Permata." Gadjah Mada International Journal of Business 12, no. 2 (2010): 231. http://dx.doi.org/10.22146/gamaijb.5510.

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This study analyzes the responses of performances of BankMandiri, Bank Danamon, and Bank Permata to merger strategy.This paper harnesses the quantitative approach with structuralbreak analysis method and impulse response function. Theplausible findings indicate that the merger of Bank Permataproduces a better performance response in comparison to theconsolidation of Bank Mandiri and the merger of Bank Danamon.The merger of Bank Permata does not result in performanceshocks, and the structural break does not prevail either. On theother hand, the consolidation of Bank Mandiri and the mergerof Ban

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Jha, Shiv Swaroop, and Premanand . "An Analytical Study of Merger of Syndicate Bank with Canara Bank." Journal of Business Management and Information Systems 10, no. 2 (2023): 16–21. http://dx.doi.org/10.48001/jbmis.2023.1002003.

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Most companies employ mergers and acquisitions to improve and retain their market standing. The banking business in India is expanding fast now. The Indian banking sector has seen an increase in the number of mergers and acquisitions in the more recent years. This study throws some lights on the recent merger in Indian banking industries and analyses how the merger between Canara Bank and a syndicate bank affected the acquiring Bank's wealth, profitability, and overall performance after the merger was completed. Mergers and acquisitions have been a relatively recent trend in the Indian banking

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D., Sreemathi, and A. Tharmalingam Dr. "A STUDY ON FINANCIAL POSITION OF SBI AFTER MERGER OF ASSOCIATE BANKS." International Journal of Multidisciplinary Research and Modern Education 4, no. 2 (2018): 1–5. https://doi.org/10.5281/zenodo.1312437.

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The plans for making SBI a single very large bank by merging the associate banks started in 2008, and in September the same year, SBS merged with SBI. The very next year, State Bank of Indore (SBN) also merged. In the same year, a subsidiary named Bharatiya Mahila Bank was formed. The negotiations for merging of the 6 associate banks (State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala, State Bank of Travancore and Bharatiya Mahila Bank) by acquiring their businesses including assets and liabilities with SBI started in 2016. The merger was app

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Madara, Joseph, Peter Mwaura, and David Gichuhi. "Influence of post-merger restructuring on organizational development." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 7 (2021): 363–69. http://dx.doi.org/10.20525/ijrbs.v10i7.1408.

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Corporate mergers are important for organizations to position themselves for growth and development. Stanbic Bank was formed as a result of a merger between CFC Bank and Stanbic Bank. Anecdotal evidence suggests that the merger has led to positive outcomes, but specific aspects of the merger that have contributed towards the organizational development of Stanbic Bank remain unclear. The study investigated the influence of Post-Merger Restructuring on the organizational development of Stanbic Bank Kenya. It was guided by efficiency theory and collected data from 27 branch managers and 9 senior

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Kumari, Hailly. "Impact of Merger and Acquisition on Indian Banking: An Empirical Analysis of Allahabad Bank Merger with Indian Bank." Asian Journal of Economics, Business and Accounting 25, no. 2 (2025): 209–14. https://doi.org/10.9734/ajeba/2025/v25i21675.

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Consolidation of public sector banks (PSBs) in India has been critical area on the financial ecosystem. This research focuses on the merger of Allahabad Bank with Indian Bank, analyzing empirical impact on Indian banking sector investigates the rationale behind such mergers, including objectives like strengthening balance sheets, improving operational efficiency, and addressing non-performing assets (NPAs). The study provides valuable insights for policymakers, financial analysts, and banking professionals, contributing to the discourse on the effectiveness of mergers as a strategic tool for t

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Lin, Dongyun, James Barth, John Jahera, and Keven Yost. "Cross-Border Bank Mergers and Acquisitions: What Factors Pull and Push Banks Together?" Review of Pacific Basin Financial Markets and Policies 16, no. 04 (2013): 1350022. http://dx.doi.org/10.1142/s0219091513500227.

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This paper evaluates factors that encourage or impede cross-border mergers and acquisitions in banking. The effects of bank specific features, as well as bank regulatory factors, from both target and acquiring banks' perspectives, are estimated. Three comprehensive databases are combined to provide a unique dataset to study cross-border merger and acquisition activities of banks. Banking sector regulatory variables included make this study among the first to empirically and comprehensively analyze the interrelationship between bank regulation and cross-border bank mergers and acquisitions. The

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Ramadhan, Bayu. "Analisis Perbandingan Harga Saham PT. Bank Syariah Indonesia Tbk Sebelum dan Sesudah Merger." ETNIK: Jurnal Ekonomi dan Teknik 1, no. 12 (2022): 788–94. http://dx.doi.org/10.54543/etnik.v1i12.124.

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Merger is one of the business processes that can increase asset capitalization and improve the Company's financial performance. On 1 February 2021, 3 State-Owned Sharia Banks were merged among PT BRI Syariah, PT Mandiri Syariah and PT BNI Syariah. Merger is a business strategy carried out between the 3 Sharia Banks in order to improve financial performance. The purpose of the research is to compare analysis before and after the merger of PT Bank Syariah Indonesia by comparing the average price of this company's stocks in the period 30 days before and 30 days after the bank merger. The effectiv

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Diniartha, Feb Floma, and Siti Aisjah. "Analisis Kinerja Keuangan Perusahaan Merger dan Akuisisi dengan Pendekatan Risk-Based Bank Rating." Jurnal Management Risiko dan Keuangan 2, no. 4 (2023): 297–313. http://dx.doi.org/10.21776/jmrk.2023.02.4.02.

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The purpose of this quantitative descriptive research is to identify the health levels of banks two years prior and two years after their mergers and acquisitions in the 2019-2021 period. The approach used in this study is Risk-Based Bank Rating (RBBR), which incorporates the RGEC (Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital) method. The research objects are banks that were merged and acquisitioned during the 2019-2021 period. using purposive sampling technique, four banks that met the criteria were selected as the research sample. This research incorporates secondary

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Sari, Mella Katrina, Saniman Widodo, Suryani Sri Lestari, Mustika Widowati, and Siti Hasanah. "Parametric Stochastic Frontier Approach To Measure Efficiency Pre-And-Post-Merger Bank Syariah Indonesia." IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita 13, no. 1 (2024): 112–26. http://dx.doi.org/10.46367/iqtishaduna.v13i1.1840.

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This research analyses the efficiency of pre-and-post-merger Bank Syariah Indonesia (BSI). This research used a descriptive quantitative analysis method. The population in this research is Islamic banks, which were merged into BSI. The sampling technique was carried out using saturated samples, resulting in the merged of three Islamic Banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia Syariah (BNIS), Bank Rakyat Indonesia Syariah (BRIS), to become BSI. The data used is secondary data in the form of quarterly financial reports for 2019-2022. The research focused on input variables

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Santosh, Bajantri. "Impact of merger on profitability and non-performing assets Management in Indian Banking Sector- A Study on State Bank of India." International Journal of Advance and Applied Research S6, no. 16 (2025): 235–40. https://doi.org/10.5281/zenodo.15143833.

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<em>Stable economy of every country is depends on banking companies, in modern era an individual cannot imagine their life without bank because money is everything to an individual. Bank is base for proper flow of money in an economy. In Indian banking sector it comprises with co-operative banks, commercial banks and others. Now day’s commercial banks are playing vital role in our country. The whole commercial banks are broadly divided into two viz. public and private sector bank. In public sector state bank of India is larges and prominent bank in public sector. State bank of India earl

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Akgün, Ali İhsan. "Investigating the relationship between bank performance and accounting standards: evidence from M&As in European banking." Journal of Capital Markets Studies 6, no. 1 (2021): 106–24. http://dx.doi.org/10.1108/jcms-10-2021-0032.

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PurposeThe study aims to identify whether international financial reporting standards (IFRS) or local generally accepted accounting principles (GAAP) reporting provides investors and senior management of acquirer banks with superior information on target banks under post-merger bank performance.Design/methodology/approachThe authors examine the claim that IFRS improves corporate transparency and increases financial reporting quality in European Bank merger and acquisitions (M&As). The authors compare the financial performance of merged banks where the target and acquirer banks employed the

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Fariha, Batool, and Naeem Misaal. "Post-Merger Corporate Performance: A Case of NIB Bank Pakistan." SEISENSE Journal of Management 1, no. 4 (2018): 1–12. https://doi.org/10.5281/zenodo.1344127.

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This study measures whether the mergers generate efficient, trustworthy and wide-ranging capital base for the bank that completely comprised mergers and to what range mergers of banks increase the confidence of the investors, the customers, the shareholders and capacity to finance the real time sector. For the purpose total 9 ratios under profitability ratios and other ratios applied on key financial figures to analyze the selected bank performance. Key figures were taken from the website of the NIB bank. Data was taken from 2004-07 before merger and 2008-12 after the merger.

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Jain, Neena Rohit, and Dinesh Jaisinghani. "Overcoming the HR challenge: a case of merger of Kotak Mahindra Bank and ING Vysya Bank." Emerald Emerging Markets Case Studies 7, no. 2 (2017): 1–16. http://dx.doi.org/10.1108/eemcs-09-2016-0187.

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Subject area Human Resources and Organizational Behavior – dealing with the HR issues in mergers and acquisitions (M&As). Study level/applicability MBA and other similar programs at the post-graduation level. Case overview The current case deals with human resource (HR) issues in the merger of Kotak Mahindra Bank (KMB) and ING Vysya Bank (IVB). The case discusses various aspects of the merger process and focuses on the key challenges that firms face while integrating the employees of the merged entities. The case also highlights the steps taken by KMB to ensure that the merger process is s

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El-Tahir, Omer Ali Babiker. "Banking Merger, Challenges & Its Impact on the Financial Performance of Sudanese Banks: Empirical Study- Blue Nile Mashreq Bank (2015-2020)." مجلة العلوم الإقتصادية و الإدارية و القانونية 8, no. 6 (ملحق) (2024): 75–90. http://dx.doi.org/10.26389/ajsrp.o231223.

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The study has focused on Banking Merger in Sudan to reform Bank Sector as an objective, challenges, and its impact on Banking Performance. It has selected the experience of the Banks Merger between Blue Nile Bank and Mashreq Bank in October 2003 to understand the impacts and the results of this process on the Financial Performance (2015-2020). The main objective of the study is to analysis the impact of merger on the financial performance of commercial banks in Sudan and to know the concept of the banking merger in Sudan, the challenges and problems facing the banking merger in Sudan and Highl

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Chahar, Preeti, and Ruchi Maheshawari Bangur. "MERGER AND ACQUISITION IN INDIAN BANKING SECTOR: IMPACT ON ECONOMIC VARIABLES." INTERNATIONAL JOURNAL OF ADVANCED RESEARCH IN COMMERCE, MANAGEMENT & SOCIAL SCIENCE 07, no. 01(II) (2024): 114–19. http://dx.doi.org/10.62823/7.1(ii).6339.

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In this study, we looked at how mergers and acquisitions affect important parts of the Indian economy. We wanted to see what happens to things like Non-Performing Assets (NPAs), jobs, and how well the combined banks do. When banks merge, one of them usually becomes much bigger. Let's break it down - "merger" and "acquisition" are two types of corporate unions. The companies getting stuff are called "acquiring companies" or "bidders," while those being taken over are the "target companies." Right now, more mergers and acquisitions are happening, but it's not clear if it's because the economy is

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Gandhi, Vandana, Vishal Mehta, and Prashant Chhajer. "Post-Merger Financial Performance of ICICI Bank." Shanlax International Journal of Management 7, no. 4 (2020): 23–35. http://dx.doi.org/10.34293/management.v7i4.2321.

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India has witnessed Mergers and Acquisitions across sectors and the most talked about mergers are those in the Banking sector. The banking sector attracts more attention because of the wide geographic spread and the scattered spectrum of stakeholders. Post liberalization banking sector has grown by leaps and bounds and has also seen a lot of mergers and acquisitions. ICICI bank is one of the biggest players among the private sector banks, adopted the merger and acquisition route for expansion. It witnessed four mergers and the same have been studied in this paper. Evaluation of the mergers has

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Anand, Manoj, and Jagandeep Singh. "Impact of Merger Announcements on Shareholders' Wealth: Evidence from Indian Private Sector Banks." Vikalpa: The Journal for Decision Makers 33, no. 1 (2008): 35–54. http://dx.doi.org/10.1177/0256090920080103.

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This study analyses five mergers in the Indian banking sector to capture the returns to shareholders as a result of the merger announcements using the event study methodology (Brown and Warner, 1980, 1985; and MacKinlay, 1997). These are mergers of the Times Bank with the HDFC Bank, the Bank of Madura with the ICICI Bank, the ICICI Ltd. with the ICICI Bank, the Global Trust Bank with the Oriental Bank of Commerce, and the Bank of Punjab with the Centurion Bank. The Fama and Miller (1972) market model and Cox and Portes. (1998) twofactor model form the theoretical framework of this study. The a

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Jha, Shiv Swaroop, and Premanand . "Merger of Indian Banks." VEETHIKA-An International Interdisciplinary Research Journal 9, no. 3 (2023): 1–5. http://dx.doi.org/10.48001/veethika.2023.09.03.001.

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In this study, we look at how merging Indian public sector banks has affected their ability to work together more efficiently. The purpose of this study is to determine whether this merger would really speed up India's economic development. Bank merger advantages have been analysed using many metrics, including CASA ratio, CRAR ratio, CET I ratio, and advance and deposit size. Net nonperforming asset ratios have also been monitored in order to assess asset quality. The consolidation of 10 public sector banks into 4 is an attempt to achieve size and geographic diversity via consolidation. The m

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Mathur, Anjali, K. Vinitha, R. Shubham, and K. Gowtham. "Effect of SBI Bank Merger on Education Loan, a Comparative Study Using Big Data Analytics." International Journal of Engineering & Technology 7, no. 2.32 (2018): 452. http://dx.doi.org/10.14419/ijet.v7i2.32.15739.

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A bank merger is a situation in which two banks or all branches of a bank join together to become one bank. The bank merger of State Bank of India was implemented on 1stApril 2017 in India. The bank merger is a good idea to centralize the customer’s data from nationwide. However, it is a difficult task for administrators and technologists. Some high level techniques are required to collect the data from the branches, of the bank present at nationwide, and merge them accordingly. For this huge data Big-Data Analysis techniques can be used to manage and access the data. The big data analytics pr

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Inarawi, Wiwi, Diana Djuwita, Wartoyo Wartoyo, and Nining Wahyuningsih. "Comparing Pre and Post-Merger Performance of Bank Syariah Indonesia: A Maqashid Shariah Index Analysis." Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam 9, no. 1 (2025): 48. https://doi.org/10.31332/lifalah.v1i1.10779.

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This study evaluates the performance impact of Indonesia's landmark Islamic bank merger by comparing pre and post-merger performance using the Maqashid Shariah Index (MSI) framework. The research analyzes performance data from the three merged banks - Bank Rakyat Indonesia Syariah (BRIS), Bank Negara Indonesia Syariah (BNIS), and Bank Syariah Mandiri (BSM) - for five years prior to their merger (2016-2020), and compares it with two years of post-merger data (2021-2022) from Bank Syariah Indonesia (BSI). Using a quantitative approach with descriptive verification methods, the study employs Simp

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Rau-Bredow, Hans. "Bigger Is Not Always Safer: A Critical Analysis of the Subadditivity Assumption for Coherent Risk Measures." Risks 7, no. 3 (2019): 91. http://dx.doi.org/10.3390/risks7030091.

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This paper provides a critical analysis of the subadditivity axiom, which is the key condition for coherent risk measures. Contrary to the subadditivity assumption, bank mergers can create extra risk. We begin with an analysis how a merger affects depositors, junior or senior bank creditors, and bank owners. Next it is shown that bank mergers can result in higher payouts having to be made by the deposit insurance scheme. Finally, we demonstrate that if banks are interconnected via interbank loans, a bank merger could lead to additional contagion risks. We conclude that the subadditivity assump

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Shrestha, Prakash. "Effect of Merger and Acquisition Practice in Financial Institutions of Nepal." Journal of Balkumari College 8 (December 31, 2019): 5–9. http://dx.doi.org/10.3126/jbkc.v8i0.29292.

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The merger and acquisition serve as a disciplinary device for the bank management to improve the performance of the bank or as a means of implementing unpleasant business measure. This study aims to study the effect of merger and acquisition practice based on perceptions of personnel of financial institutions of Nepal. For the study, a closed-end questionnaire has been prepared and distributed among 180 banking personnel of three merged commercial banks (i.e. NIC Bank Ltd. and Bank of Asia Ltd., Global IME Bank Ltd. and Commerce & Trust Bank Ltd., and Prabhu Bank Ltd. and Grand Bank Nepal

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Harada, Kimie. "Pre- and post-merger performances of Shinkin banks in Japan." Corporate Governance and Sustainability Review 2, no. 2 (2018): 13–29. http://dx.doi.org/10.22495/cgsrv2i2p2.

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The purpose of this paper is to describe the performances and consequences of Cooperative (Shinkin) bank merger activities that took place from 1994 through 2003 in Japan. Not only were there a large number of mergers, but these bank mergers were complicated during the sample period compared to another type of banking institutions. Banks are classified into three groups; "the surviving bank" (which takes control of another Shinkin bank), "the absorbed bank" (that has been consumed by a surviving one) and "the control bank" (that has not been related to any merger activities in the same region

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