Title: A STUDY ON THE CONSOLIDATION AND MERGER OF PUBLIC SECTOR
BANKS (PSB) IN INDIA: ISSUES AND CHALLENGES
Authors: Praveen S Kambar
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.
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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.
The International Journal of Social Science and Economic Research Inviting Papers/Articles for Current Issue Volume 4 No. 11 November 2019.
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