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In every economy, banking sector plays a vital role and it is one of the fast growing sectors in India. In pursuit of gaining a competitive advantage, both private and public banks are making intense efforts to sustain and outperform each other. In the present scenario, banking sector is facing a lot of challenges such as changes in regulatory environment, evolution of online banking, significant financial consolidation etc. which in turn makes Indian financial industry to be highly competitive. In order to gain a competitive advantage and positive synergy, banks are adopting consolidation strategy to have an impact on the market. Mergers and acquisition not only give a synergy advantage but also open up various opportunities and, varied challenges, which may affect the efficiency of the banks, its employees and thereby its customers.

iibm's journal of management research

Impact of Bank Merger on Retail Customer, Shareholers and Employees: a Study of Merger of Dena Bank and Vijaya Bank with Bank of Baroda from a Futuristic Perspective