Is Bigger Always Better? Evaluating the Financial Performance of Punjab National Bank in the Post-Merger Era

Abstract

This paper portrays the financial performance of Punjab National Bank (PNB) after merger process, including the relevant indicators. PNB experienced a significant and strategic transformation of its operation process structure and positioning after the merger. The paper performs a quantitative analysis with assistance of financial metrics and performance indicators to assess the resilience and adaptability of the bank by evaluating its performance. The report encompasses profitability, asset quality, liquidity, and efficiency ratios to obtain a comprehensive view of PNB's financial health after the merger. This study provides evidence on the effectiveness of mergers and their impact by examining and measuring the outcome of the mergers on the financial performance of banks. It particularly studies the transformation of PNB in the merger aftermath pointing out how a merger affects the banking sector dynamics.