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Title:
A STUDY ON THE CONSOLIDATION AND MERGER OF PUBLIC SECTOR BANKS (PSB) IN INDIA: ISSUES AND CHALLENGES

Authors:
Praveen S Kambar

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Praveen S Kambar
Employees State Insurance Corporation, Ministry of Labour and Employment, Govt. of India, Regional office, Bengaluru, Karnataka.

MLA 8
Kambar, Praveen S. "A STUDY ON THE CONSOLIDATION AND MERGER OF PUBLIC SECTOR BANKS (PSB) IN INDIA: ISSUES AND CHALLENGES." Int. j. of Social Science and Economic Research, vol. 4, no. 6, June 2019, pp. 4326-4334, ijsser.org/more2019.php?id=331. Accessed June 2019.
APA
Kambar, P. (2019, June). A STUDY ON THE CONSOLIDATION AND MERGER OF PUBLIC SECTOR BANKS (PSB) IN INDIA: ISSUES AND CHALLENGES. Int. j. of Social Science and Economic Research, 4(6), 4326-4334. Retrieved from ijsser.org/more2019.php?id=331
Chicago
Kambar, Praveen S. "A STUDY ON THE CONSOLIDATION AND MERGER OF PUBLIC SECTOR BANKS (PSB) IN INDIA: ISSUES AND CHALLENGES." Int. j. of Social Science and Economic Research 4, no. 6 (June 2019), 4326-4334. Accessed June, 2019. ijsser.org/more2019.php?id=331.

References
Research Papers
[1]. A. N. Tamragundi, Devarajappa S (2016), 'Impact of mergers on Indian Banking Sector: A comparative study of Public and Private Sector merged Banks', Acme Intellects International Journal of Research in Management, Social Sciences & Technology, ISSN 2320 - 2939 (Print) 2320-2793 (Online) Vol- 13 No. 13 Jan 2016.
[2]. Jayashree R Kotnal (2016), 'The economic impact of merger and acquisition on profitability of SBI', ISSN Online: 2394-5869, Impact Factor: 5.2 IJAR 2016; 2(7): 810-818 www.allresearchjournal.com
[3]. Jyoti H. Lahoti (2016), 'An Experiential Study of Mergers And Acquisitions in Indian Banking Sector', PARIPEX - INDIAN JOURNAL OF RESEARCH Volume: 5 | Issue: 4 | April 2016 ISSN - 2250-1991 | IF : 5.215 | IC Value : 77.65 pg: 398-400.
[4]. Gurbaksh Singh, Sunil Gupta (2015), 'AN IMPACT OF MERGERS AND ACQUISITIONS ON PRODUCTIVITY AND PROFITABILITY OF CONSOLIDATION BANKING SECTOR IN INDIA', Volume 4, Issue 9 (September, 2015) Online ISSN- 2320-0073.
[5]. Prashanta Athma, A. Bhavani (2012), 'Mergers in Banking Sector in India: An Analysis of Pre & Post Merger Performance of sbi & HDFC Bank', IOSR Journal of Business and Management (IOSR-JBM) eISSN: 2278-487X, p-ISSN: 2319 -7668 PP 07-16.
[6]. Ali Awdeh Chawki EL-Moussawi, 2011. 'Analysing the Motives and the Outcomes of Bank Mergers' Middle Eastern Finance and Economics, ISSN: 1450-2889, Issue 15 (pdf) http://www.eurojournals.com/MEFE.htm
[7]. M Jayadev, Rudra Sensarma (2007), 'Mergers in Indian Banking: An Analysis' https://www.researchgate.net > publication.
Online sources
[8]. POSITIVE AND NEGATIVE IMPLICATIONS AND CONSEQUENCES OF MERGERS > www.allbankingsolutions.com > Articles 14-Jul-2014.
[9]. Public sector banks merger could help banking system: Urjit Patel www.thehindubusinessline.com > 25-Apr-2017.
[10]. How the Bank of Baroda, Vijaya Bank and Dena Bank merger will impact you https://economictimes.indiatimes.com > ...15-Oct-2018 ·
[11]. Government s considering merger of 4 public sector banks: Reports www.moneycontrol.com/businessnews.jun-4, 2018
[12]. Cabinet approves merger of Vijaya Bank, Dena Bank with Bank of Baroda https://www.businesstoday.in > jan 2, 2019
[13]. Bank merger news - Livemint > https://www.livemint > Keyboard > bank merger.

Abstract:
Indian economy is known for its perseverance, over the years it has faced continuous fluctuation, global economic depressions, and recent reforms of the government with ease. The Banking sector is considered as the lifeline of an economy. The Indian banking sector has its own reputation in the international level for maintaining its stability, even though the global economic environment and the emerging trends in financial sector pose challenges. There are many public sector banks in India; given this, consolidation and merger is a good idea in principle. The merger will help the banks to improve operational efficiency and customer services; this would involve synergies in the branch network, low-cost deposits and subsidiaries. But consolidation and merging of banks is not an easy task, because these are not normal times and with many public sector banks in distress and facing precarious situation. It is a challenging situation for the Government to identify stressed banks and motivate them to merge with a larger entity. In this research paper the author has tried to examine the scope, implications and drawbacks of the merger process, and also to identify the major challenges and consequences in its way.

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