Assessing the Influence of Merger with Respect to Financial Performance of Indian Bank: A Camel Approach Analysis
Year: 2025
Type: article
Abstract: The merger of Allahabad Bank and Indian Bank, effective from April 1, 2020, is a significant event in India's public sector banking consolidation. This study examines the merger's impact on Indian Bank's financial performance using the CAMEL framework, which assesses Capital Adequacy, Asset Quality, Management Quality, Earnings, and Liquidity. A paired t-test was applied to analyse the bank's pre-and post-merger performance. The results show notable improvements in Asset Quality, Management Quality, and Earnings, indicating that the merger enhanced operational efficiency, profitability, and management practices. However, mixed results were observed in Asset Quality and Management Efficiency, suggesting ongoing challenges related to liquidity and financial Original Research Article
Authors: Anmol Kumari, Anup Kumar Roy, Kumar Aditya
Institution: Guru Ghasidas Vishwavidyalaya
Language: English
Subfield: Accounting
Domain: Social Sciences
Open Access status: diamond
OpenAlex ID: W4410210252