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Post-Merger Financial Performance of Indian Banks: Camel Approach

International Journal of Banking, Risk and Insurance

Volume 8 Issue 2

Published: 2020
Author(s) Name: Vandana Gandhi, Prashant Chhajer, Vishal Mehta | Author(s) Affiliation: Department of Management Technology, Shri Ramdeobaba College of Engg. and Mgt., Nagpur, Maharashtra
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Abstract

The fact that India could well be the next financial hub of the globe, and the fact that the banking sector will play a major role in facilitating this transformation, served as the motivation for the study. Post liberalisation, the sector has seen a lot of mergers and acquisitions in the country. However, to add value, M&A must lead to improved financial performance of the merged entity. This research paper analyzes the post-merger financial performance of private and public sector banks, and also compares the same. The study reveals that, individually, private and public sector banks have shown post-merger improvement in financial performance with respect to a few parameters of the CAMEL model. However, overall there is no statistically significant improvement in the financial performance of the banks, post-merger. Also, there is no significant difference when the post-merger financial performance of private sector banks is compared to that of public sector banks.

Keywords: Merger and Acquisition, Post-Merger Financial Performance, Private Sector Banks, Public Sector Banks, CAMEL Model, Ratio Analysis

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