Free MBA Finance Project Reports Download Pdf

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I am a student of MBA Finance Program. I have to make project on Mergers and Acquisitions in Indian Banking Sector. So tell me on which site I can download free project report on Mergers and Acquisitions in Indian Banking Sector in pdf format?

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As you are looking to download project report on Mergers and Acquisitions in Indian Banking Sector, so here I am providing project report:

Project Report on Mergers and Acquisitions in Indian Banking Sector:

Mergers and acquisitions in India

Mergers and acquisitions aim towards Business Restructuring and increasing competitiveness and shareholder value Via increased efficiency. In the market place it is the survival of the fittest.

India has witnessed a storm of mergers in recent years.The Finance Act,1999 clarified many issues relating to Business Reorganizations there by facilitating and making business-restructuring tax neutral. As per Finance Minister this has been done to accelerate internal liberalization and to release productive energies and creativity of Indian businesses.
The year 1999-2000 has notched-up deals over Rs.21000 crore which is over 1% of Indias GDP. This level of activity was never seen in Indian corporate sector. InfoTech, Banking , media , pharma, cement , power are the sectors, which are more active in mergers and acquisitions.

Consolidation of banking industry-an overview
HDFC Bank and Times Bank tied the merger knot in year 1999. The coming together of two likeminded private banks for mutual benefit was a land mark event in the history of Indian banking.

Many analysis viewed this action as opening of the floodgate of a spate of mergers and consolidations among the banks, but this was not to be, it took nearly a year for another merger. The process of consolidation is a slow and painful process. But the wait and watch game played by the banks seems to have come to an end. With competition setting in and tightening of the prudential norms by the apex bank the players in the industry seems to be taking turns to merge.
It was the turn Bank Of Madura to integrate with ICICI Bank. This merger is remarkable different from the earlier ones. It is a merger between banks of two different generations. It marks the beginning of the acceptance of merger with old generation banks, which seemed to be out of place with numerous embedded problems.

The markets seem to be in favor of bank consolidation. As in the case of HDFC Bank and Times Bank, this time also market welcomed the merger of ICICI Bank and Bank of Madura.Each time a merger is announced it seems to set out a signal in the industry of further consolidation. The shares of the bank reached new heights. This time it was not only the turn of the new private sector banks, but also the shares of old generation private banks and even public sector banks experienced an buying interest. Are these merger moves a culmination of the consolidation in the industry? Will any bank be untouched and which will be left out?

To answer this question let us first glance through the industry and see where the different players are placed. The Indian banking industry is consists of four categories-public sector banks, new private sector banks and foreign banks. The public sector banks control a major share of the banking operations. These include some of the biggest names in the industry like Stare Bank of India and its associate banks, Bank of Baroda, Corporation bank etc. their strength lies in their reach and distribution network. Their problems rage from high NPAs to over employment. The government controls these banks. Most of these banks are trying to change the perception. The government controls these banks. Most of these banks are trying to change the perception. The recent thrust on reduction of government stake, VRS and NPA settlement are steps in this direction. However, real consolidation can happen if government reduces its stake and changes its perception on the need of merger. The governments stand has always been that consolidation should happen to save a bank from collapsing. The old private sector banks are the banks, which were established prior the Banking.

Nationalization Act, but could not be nationalized because of their small size. This segment includes the Bank Of Madura, United Western Bank, Jammu and Kashmir bank; etc. who banks are facing competition from private banks and foreign banks. They are trying to improve their margins. Though some of the banks in this category are doing extremely well, the investors and the markets seem not to reward them adequately. These banks are unable to detach themselves effectively from the older tag. The new private banks came into existence with the amendment of Banking Regulation Act in 1993, Which permitted the entry of new private sector banks.
Mergers: Making sense of it all
In the process of merger banks will have to give due importance to synergies and complimentary adhesions. The merger must make sound business sense and reflect in increasing the shareholder value. It should help increase the banks net worth and its capital adequacy. A merger should expand business opportunity for both banks. The other critical and competitive edge for survival is the cost of funds, which means stable deposits and risk diversification. Network size is very important in this perspective because one cannot grow staying in one place because the asset market in every place is limited. Unless one prepares the building blocks for growth by looking outside ones area he either sells out or gets acquired. The features, which a bank looks in its target seems to be the distribution network (number of branches and geographical distribution), number of clients and financial parameters like cost of funds, capital adequacy ratio, NPA and provision cover.
The merger of strong entities should be encouraged. The reason for the merger should not be to save a bank from extinction rather the motive must be to go join for the distant advantages of both combining banks towards a mutual benefit. PS Shenoy, chairman and managing director, Bank of Baroda said, today public sector bank can merge with another bank only through moratorium route. That means you can takeover only a dead and you die yourself and allow to be merged with a strong bank. Unfortunately this is not the spirit behind the merger and acquisition.
Time for strategic alliance
It is not only important for banks to merge with banks but also entities in the other business activities. Strategic partnership could become the inthing. Strategic mergers between banks for using each others infrastructure enabling remittance of funds to various centers among the strategic partner banks can give the account holder the flexibility of purchasing a draft payable at centers where the strategic tie-up exists. The strategic tie-up could also include a
bank with another specialized investment bank to provide value-added services. Tie-ups
Could also be between a bank and technology firm to provide advanced services. It is these
Strategic tie-ups that are set to increase in future. These along with providing vale-added benefits, also help in building positive perceptions in the market.

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