A STUDY OF MERGERS AND ACQUISTIONS WITH REFRENCE TO STATE BANK OF INDIA

Abstract

Mergers and Acquisitions (M&A) have become important strategic tools for organizations to achieve growth, improve operational efficiency, and strengthen market position. In the Indian banking sector, the merger of associate banks and Bharatiya Mahila Bank with the State Bank of India (SBI) marked a significant step toward banking consolidation. This study analyzes the impact of mergers and acquisitions on SBI in terms of financial performance, market share, operational efficiency, customer base, and profitability. The research evaluates the premerger and post-merger performance of SBI using key financial indicators such as deposits, advances, net profit, and total assets. The findings indicate that the merger enhanced SBI's competitiveness, expanded its branch network, increased operational synergies, and strengthened its position as India's largest public sector bank. However, challenges such as integration costs, employee adjustments, and management complexities were also observed. The study concludes that the merger has positively contributed to SBI's long-term growth and financial stability.