Impact of Merger on Profitability of Banks: A Study with Reference to Public Sector Banks in India

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Mergers significantly increased profitability metrics like NIM, ROA, and ROE, supporting bank resilience post-merger.
Net Interest Margin rose notably, with fixed-effects models showing stronger effects compared to random-effects models.
Descriptive statistics and panel regression analysis were utilized to assess financial performance across five banks over six years.
Findings emphasize the importance of asset quality management and operational efficiency in maintaining bank profitability.

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Analytical study shows mergers improve net interest margin and return rates in public sector banks, highlighting bank-specific factors.

Aditya et al. (2025) studied this question.

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