Bank Mergers Archives - Centre for Financial Accountability

More merger of banks and increase in FDI to 49% – Dangerous plan

Image Credits: Getty Images News reports have stated that the Government of India is going to constitute a committee to ...

Article

Merger of Banks, Appointment of MDs from Private Sector and Privatisation of Banks

The Finance Minister has again started talking about the merger of 2–3 big banks to compete in the global market, and ne...

Finance General Random Reflections

Article

The merger of PSBs- A Failed Experiment!

On 1st October 2017, five associate banks of SBI were merged in the State Bank of India. Dena Bank and Vijay Bank were m...

Finance General Indian Economy

Article

Cost of Bank Mergers: The Need for a CAG Audit

Public Sector Banks (PSBs) have played a significant part in the country’s economic growth. The principles of nationaliz...

Bank Mergers General Indian Economy National Financial Institutions Publications

Article

State-Owned Banks: Do We Need Them Anymore?

As an essential part of the financial system, banks’ role in India’s ambitious goal of becoming a $5 trillion economy ha...

General Smitu Kothari Fellowship Smitu Kothari Fellowship- 2020

Article

Titanic Moment?; Analysis of NPAs & Loans by the PSBs in the Pre-COVID Era

An Analysis of Non-Performing Assets & Loans by the Public Sector Banks in the Pre-COVID Era For the Indian bank...

Indian Economy National Financial Institutions NPAs Publications

Article

Random Reflections- Altering the Course of Banking

The Banking Sector was already in crisis. Crisis was created through the policies. Large credit was encouraged le...

Blog Indian Economy Random Reflections

Article

Banking in Disarray! How to bring it back on tracks?

RBI in its first announcement dated 27th March 2020, consequent upon corona pandemic 2019 had come out with various ini...

Blog Indian Economy NPAs

Article

Deutsche Bank on Verge of Collapse – Lessons for State Bank of India: Random Reflections

Deutsche Bank AG was one of the largest Banks in the world (it was ranked largest before Chinese Banks replaced it). The...

"Bank Mergers" Blog National Financial Institutions NFIs

Article

Random Reflections: Losing Faith in the Banking System is Dangerous

More than a month of waiting for 16 lakh depositors is leading to a dangerous position of loss of faith in banks. The Co...

"Bank Mergers" Blog FRDI National Financial Institutions NFIs Random Reflections

September 16, 2026

Thomas Franco

More merger of banks and increase in FDI to 49% – Dangerous plan

Image Credits: Getty Images News reports have stated that the Government of India is going to constitute a committee to look at further merger of public sector banks to four to five from the present 12. We had 28 public sector banks. With the merger of seven associate banks of SBI with the parent ba...

General Indian Economy Random Reflections

Article

November 10, 2025

Thomas Franco

Merger of Banks, Appointment of MDs from Private Sector and Privatisation of Banks

The Finance Minister has again started talking about the merger of 2–3 big banks to compete in the global market, and newspapers say that the government is considering the appointment of Managing Directors in public banks from the private sector. This will destroy Public Sector Banks. Privatisation ...

Finance General Random Reflections

Article

January 24, 2022

Devidas Tuljapurakar

The merger of PSBs- A Failed Experiment!

On 1st October 2017, five associate banks of SBI were merged in the State Bank of India. Dena Bank and Vijay Bank were merged in Bank of Baroda on 1st April 2019, while in a mega merger Oriental Bank of Commerce and United Bank were merged in Punjab National Bank. Syndicate Bank was merged in the Ca...

Finance General Indian Economy

Article

October 19, 2021

Kannan Neelamegan

Cost of Bank Mergers: The Need for a CAG Audit

Public Sector Banks (PSBs) have played a significant part in the country’s economic growth. The principles of nationalization also contributed to the social banking character of the PSBs. This scenario has been changing since implementation of the new economic policies in the 90s. Three decades down...

Bank Mergers General Indian Economy National Financial Institutions Publications

Article

June 10, 2021

Aswathi Nair

State-Owned Banks: Do We Need Them Anymore?

As an essential part of the financial system, banks’ role in India’s ambitious goal of becoming a $5 trillion economy has become a topic of intense debate. Significant reforms in scheduled commercial banks, mainly the state-owned public sector banks, are essential to achieve socially optimal outcome...

General Smitu Kothari Fellowship Smitu Kothari Fellowship- 2020

Article

September 10, 2021

CFA Admin

Titanic Moment?; Analysis of NPAs & Loans by the PSBs in the Pre-COVID Era

An Analysis of Non-Performing Assets & Loans by the Public Sector Banks in the Pre-COVID Era For the Indian banks, reeling under the weight of mounting Non-Performing Assets (NPAs), COVID came as a blessing in disguise. Reserve Bank of India had relaxed the NPA norms until May end, which the...

Indian Economy National Financial Institutions NPAs Publications

Article

May 13, 2020

Thomas Franco

Random Reflections- Altering the Course of Banking

The Banking Sector was already in crisis. Crisis was created through the policies. Large credit was encouraged leading to the NPA Crisis. Development institutions like IDBI, ICICI and even UTI were converted into banks. HDFC was again converted into a universal bank and focus on housing was g...

Blog Indian Economy Random Reflections

Article

May 1, 2020

Devidas Tuljapurakar

Banking in Disarray! How to bring it back on tracks?

RBI in its first announcement dated 27th March 2020, consequent upon corona pandemic 2019 had come out with various initiatives such as reduction in CRR, Repo Rate etc. thus to improve upon liquidity position of the banks so as to facilitate for extension in credit thus to revive the economy. At th...

Blog Indian Economy NPAs

Article

November 18, 2019

Thomas Franco

Deutsche Bank on Verge of Collapse – Lessons for State Bank of India: Random Reflections

Deutsche Bank AG was one of the largest Banks in the world (it was ranked largest before Chinese Banks replaced it). The Bank on a verge of collapse due to internal scandals has sent shock waves. State Bank of India has to learn lessons from this episode. SBI’s former Chairman had given public state...

"Bank Mergers" Blog National Financial Institutions NFIs

Article

February 7, 2020

Thomas Franco

Random Reflections: Losing Faith in the Banking System is Dangerous

More than a month of waiting for 16 lakh depositors is leading to a dangerous position of loss of faith in banks. The Cooperative banks have more than 13 crore small depositors. RBI has enough powers. When it has appointed a retired CGM to take some steps it should allow depositors to withdraw their...

"Bank Mergers" Blog FRDI National Financial Institutions NFIs Random Reflections

Article

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Bank Mergers

More merger of banks and increase in FDI to 49% – Dangerous plan

Merger of Banks, Appointment of MDs from Private Sector and Privatisation of Banks

The merger of PSBs- A Failed Experiment!

Cost of Bank Mergers: The Need for a CAG Audit

State-Owned Banks: Do We Need Them Anymore?

Titanic Moment?; Analysis of NPAs & Loans by the PSBs in the Pre-COVID Era

Random Reflections- Altering the Course of Banking

Banking in Disarray! How to bring it back on tracks?

Deutsche Bank on Verge of Collapse – Lessons for State Bank of India: Random Reflections

Random Reflections: Losing Faith in the Banking System is Dangerous

More merger of banks and increase in FDI to 49% – Dangerous plan

Merger of Banks, Appointment of MDs from Private Sector and Privatisation of Banks

The merger of PSBs- A Failed Experiment!

Cost of Bank Mergers: The Need for a CAG Audit

State-Owned Banks: Do We Need Them Anymore?

Titanic Moment?; Analysis of NPAs & Loans by the PSBs in the Pre-COVID Era

Random Reflections- Altering the Course of Banking

Banking in Disarray! How to bring it back on tracks?

Deutsche Bank on Verge of Collapse – Lessons for State Bank of India: Random Reflections

Random Reflections: Losing Faith in the Banking System is Dangerous