• Asst. Prof. Pradnya Garad
• Dr. Shivaji Pawar

The impact of mergers and acquisitions on the financial performance of a couple of Indian banks is explored in this review. The research uses the Return on Assets (ROA) ratio and Net Profit Ratio (NPR) as the measures of financial performance before and after the merger. A sample of three banks, Bank of Baroda, Punjab National Bank, and Indian Bank, was taken for the study, and information was accumulated for both the years before and following the merger. The financial performance of the banks when the merger was altogether unique, the review found subsequent to utilizing t-tests to survey the information. Bank of Baroda and Punjab National Bank showed a significant decrease in both ROA and NPR after the merger, while Indian Bank showed a significant increase in NPR but not in ROA. The review reaches the conclusion that mergers and acquisitions can essentially influence banks' financial performance, and careful consideration should be given to the potential benefits and drawbacks before engaging in such activities.

Merger, Acquisition, Financial performance, Return on assets, Net profit ratio.

"A STUDY OF THE PROCESS OF MERGERS OF BANKS IN INDIA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 2, page no.39-50, February-2024, Available :http://www.jetir.org/papers/JETIRGC06005.pdf

"A STUDY OF THE PROCESS OF MERGERS OF BANKS IN INDIA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 2, page no. pp39-50, February-2024, Available at : http://www.jetir.org/papers/JETIRGC06005.pdf