The banking sector holds a significant position in all economies and is one of the most fast growing sectors in India. Competition is tough. Regardless of the challenge of multinational players, national banks, both public and private, are tough in their quest for a competitive advantage by acquiring or merging potential opportunities like those offered today. As a result, mergers and acquisitions in financial sectors are a matter of the day. Commercial banks in India are undergoing drastic changes in the regulatory environment, phenomenal growth in off-balance sheet financial management tools, the introduction of e-commerce and internet banking and a significant consolidation of the financial industry. All these forces made the Indian banking sector very competitive. In this context, studying the performance of banks after integration becomes important.

KEYWORDS: Mergers, Govt. Sector, Private Sector; CAGR, Employee Productivity, e-Commerce.