Banking Mergers And Acquisitions: A Comprehensive Review Of Financial Performance, Market Integration, And Regulatory Implications

Dr. Manoj P. K; Dr. Manisha Pallavi Chauhan; Dr. Suby Baby; Dr. Sidharth Jain; Nahid Almasov; Dr. Dipankar Pradhan

doi:10.29284/j88zj146

Authors

Dr. Manoj P. K Professor and Head, Department of Applied Economics, Cochin University of Science and Technology (CUSAT), Kochi, Kerala
Dr. Manisha Pallavi Chauhan Assistant Professor, Faculty of Management Studies, ICFAI University, Ranchi, Jharkhand
Dr. Suby Baby Assistant Professor & Research Guide, Department of Postgraduate and Research, Department of Commerce, Nirmala College Muvattupuzha (Autonomous), Muvattupuzha, Ernakulam District, Kerala, India
Dr. Sidharth Jain Professor, Institute of Business Management and Commerce (IBMC), Mangalayatan University, Aligarh-202146 (U.P.) India
Nahid Almasov Deputy Dean of the Faculty of Business and Economics, Jeyhun Hajibeyli, 71, of Nasimi district, Baku city, Azerbaijan, Azerbaijan University, Azerbaijan Academy of Labor and Social Relations
Dr. Dipankar Pradhan Assistant Professor, Faculty of Management and Commerce, The ICFAI University, Tripura, India

DOI:

https://doi.org/10.29284/j88zj146

Keywords:

Banking mergers, Financial performance, Market integration, Regulatory implications, Strategic consolidation.

Abstract

Banking mergers and acquisitions are one of the most disruptive influences in the financial world, and their effects extend to financial performance, integration of the markets, and the regulatory environment. The research is integrative, where both empirical and theoretical points of view are used to identify the complex outcomes of consolidation in the banking industry. The results show that short-term financial benefits are often recorded, but improvements in performance sustainability can be achieved only when integration quality, governance processes, and alignment of merging institutions are effective. The results of market integration indicate expansion possibilities and higher concentration risks, which indicates that the competitive forces may either tend to be innovative or monopolistic. Regulatory implications emphasize the fine line that must be trodden between promoting consolidation to achieve resilience and protecting financial stability through oversight and compliance measures. Evidence in various regions is also introduced in the discussion, which demonstrates economic, institutional, and cultural background differences, and points to the necessity to apply strategies well and flexibly regulate. In general, the review finds that mergers and acquisitions in banking are an effective but complicated tool of expansion and restructuring whose results are determined by an interaction of financial, competitive, and policy forces.

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