• Dr. B.S. Navi
• Vijaykumar Talawar

Bank mergers have emerged as strategic tools to improve financial health, expand market presence, and achieve economies of scale. This study investigates the impact of the merger between Canara Bank and Syndicate Bank on the post-merger financial performance of Canara Bank using a regression-based analytical framework. Return on Assets (ROA) is employed as the dependent variable to evaluate profitability, while Capital Adequacy Ratio (CAR), Gross and Net NPA Ratios, Liquid Assets to Total Assets Ratio (LA/TA), and Advances to Deposits Ratio serve as independent variables. Secondary data was collected from the annual reports of Canara Bank for eight years, covering both pre- and post-merger phases, with regression analysis focused on the post-merger period (2021–2024). The regression results reveal that CAR positively and significantly affects ROA, whereas GNPA negatively impacts it. Other variables such as NNPA, liquidity, and advances-deposit ratio exhibited directional but statistically insignificant relationships. These findings suggest that capital strength and asset quality are critical determinants of profitability in the post-merger context, providing valuable insights for banking sector policymakers and managers.

Merger,Financial Performance, Regression Analysis, Canara Bank.

"MERGER OUTCOMES IN INDIAN BANKING: A CASE STUDY OF CANARA BANK USING REGRESSION TECHNIQUES", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 7, page no.34-38, July-2025, Available :http://www.jetir.org/papers/JETIRGZ06007.pdf

"MERGER OUTCOMES IN INDIAN BANKING: A CASE STUDY OF CANARA BANK USING REGRESSION TECHNIQUES", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 7, page no. pp34-38, July-2025, Available at : http://www.jetir.org/papers/JETIRGZ06007.pdf