What question did this study set out to answer?

To evaluate the financial performance, operational efficiency, and market positioning of the State Bank of India following major consolidation with its associate banks.

August 20, 2026Open Access

Financial Performance Evaluation in Indian Banking Sector During Post-Merger: A Study on SBI Merger Using Key Financial Metrics and Market Positioning

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To evaluate the financial performance, operational efficiency, and market positioning of the State Bank of India following major consolidation with its associate banks.
Conducted a quantitative pre- and post-merger financial analysis focused on the 2017 merger of SBI with five associate banks.
Assessed operational and profitability indicators including Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Cost-to-Income Ratio, Non-Performing Assets (NPAs), and Liquidity Coverage Ratio.
Mergers significantly influenced financial performance, driving marked improvements in profitability ratios and market positioning.
Consolidation highlighted persistent operational challenges, particularly in managing non-performing assets and harmonizing divergent organizational cultures.

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Implication

Financial analysis demonstrates improved profitability alongside bad loan challenges in the State Bank of India, highlighting the necessity of operational integration.

Cite This Study

Mohammed Shafi C (2026) studied this question.

synapsesocial.com/papers/6a86b57f8a91293e6a1ccf67 https://doi.org/10.5281/zenodo.21989571

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Implication

Financial analysis demonstrates improved profitability alongside bad loan challenges in the State Bank of India, highlighting the necessity of operational integration.

Financial Performance Evaluation in Indian Banking Sector During Post-Merger: A Study on SBI Merger Using Key Financial Metrics and Market Positioning

Key Points

Discussion

Implication

Cite This Study

Financial Performance Evaluation in Indian Banking Sector During Post-Merger: A Study on SBI Merger Using Key Financial Metrics and Market Positioning

Key Points

Discussion

Implication

Cite This Study

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