Has Banking Consolidation Improved Financial Efficiency? An Empirical Study of SBI’s Pre- and Post-Merger Performance
This empirical study utilizing a paired t-test on secondary data from 2010 to 2024 concludes that while the 2017 merger of State Bank of India initially caused a temporary decline in profitability due to asset quality issues, it ultimately resulted in significant long-term financial improvements, evidenced by enhanced Net Interest Margins and Capital Adequacy Ratios.
Original paper licensed under CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/). This is an AI-generated explanation of the paper below. It is not written or endorsed by the authors. For technical accuracy, refer to the original paper. Read full disclaimer
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