Unveiling the Financial Performance of Bank of Baroda, Vijaya Bank, and Dena Bank in Pre- and Post-Merger Through CAMEL Model
Published: 2026
Author(s) Name: Jalpa Ukabhai Chauhan, Brijrajsinh P. Gohil |
Author(s) Affiliation: Department of Commerce, Maharaja Krishnakumarsinhji Bhavnagar University, Bhavnagar, Gujarat, India.
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Abstract
The main aim of this study on the Pre- and Post-Merger of “Bank of Baroda, Vijaya Bank, and Dena Bank”, and their performance before and following five years of the Merger. The 21st century is the span of rapidly advancing technology which increases competition between Companies, banks, and businesses. Mergers and Acquisitions are effective strategies to survive in the market and beat the competition. The current study used a camel model for evaluating financial performance impact due to merger for selected merged banks which considers a period of 2013-14 to 2023-24. “CAMEL stands for Capital Adequacy, Assets Quality, Management Efficiency, Earnings Quality, and Liquidity”. The finding shows that the influence on economic outcomes due to mergers are combination of positive and negative effects. It shows considerable changes in Capital Adequacy Ratio, overall total business per employee, Total Investment on Total Assets, Operating Profit on average working funds, Total Advances on Total deposits, Net interest to total assets, and Liquid Assets on Demand Deposits in the pre-post-merger period.
Keywords: Merger and Acquisition, Banking Sector, CAMEL Model
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