• DIBAKAR SAHOO
• Dr Bhagaban Das

The merger of State Bank of India (SBI) with its associate banks has been one of the most significant consolidation exercises in the Indian banking sector. This paper investigates the effectiveness of this merger in terms of its impact on asset quality and profitability. Using pre- and post-merger financial data, the analysis seeks to determine whether the merger led to an improvement in these key performance indicators. The study reveals that the merger has had a mixed impact on profitability and asset quality, with some improvement in overall scale and operational efficiency but persistent challenges related to non-performing assets (NPAs).

Asset Quality, Profitability, SBI Mega merger, NPA impact, IBC

"Merger Effectiveness of SBI: Analysis of Asset Quality and Profitability ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 10, page no.f524-f540, October-2024, Available :http://www.jetir.org/papers/JETIR2410553.pdf

"Merger Effectiveness of SBI: Analysis of Asset Quality and Profitability ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 10, page no. ppf524-f540, October-2024, Available at : http://www.jetir.org/papers/JETIR2410553.pdf