A Camel Analysis Of Pre And Post-Merger Of Indian Bank

ModEconomic liberalization, as a product of globalization since the early 1990s, has resulted in developing a sense of urgency among corporate entities to analyze the impact of restructuring strategies on the performance of the organizations. Incidentally, the Government of India, along with the Reserve Bank of India, has initiated mergers and acquisitions in the Indian banking sector with the anticipation that it would accrue benefits to the banks in terms of economies of scale and also make an attempt to make the Indian banks more competitive and effective in the global sphere. In this study, we analyzed and compared the performance of the Indian bank after its merger with Allahabad Bank. 6 years of data were taken into consideration: 5 years before the merger from 2015-16 to 2019-20, and 5 years after the merger from 2020-21 to 2024-25. From the analysis, the CAMEL model was taken into consideration. All ratios, such as asset quality ratio, management efficiency ratio, earning efficiency ratio, and liquidity ratio, showed improvement after the merger. From the study, the researcher found that some ratios show improvement in the performance of the Indian bank after merger with Allahabad Bank, such as business per employee, profit per employee, CAR ratio, and gross NPA and Net also decline after the merger, which shows significant improvement.