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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
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ISSN: 3108-1754 (Online)
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ISO Certification: 9001:2015
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Peer Review: Double Blind
Volume 02, Issue 6

Published on: June 2026

IMPACT OF 3RD PHASE CONSOLIDATION OF RRBS IN OTHER STATES ON THE FINANCIAL PERFORMANCE OF RRBS IN ODISHA

Sudhansu Sekhar Panda

Dr Biswo Ranjan Mishra

Department of Commerce DDCE, Utkal University

Vanivihar, Odisha, India
DOI:https://doi.org/10.55041/ijcope.v2i6.190

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Abstract

This research study evaluates the impact and challenges after merging of Regional Rural Banks (RRBs) in Odisha with reference to a multi-facet perspective. This study uses a span of 10 years, out of which five years before merging (2013-2018) and five years after merging (2018-2023). The study makes use of the data collected from secondary sources. Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and Gross Non-Performing Assets (GNPA) are some of the key financial parameters considered in the research. It has been found that ROA has witnessed an increase from 0.42% (before merger) to 0.78% (after merger). Also, ROE has recorded a rise from 6.5% to 11.2%, thereby indicating improved profitability of the RRBs in Odisha. However, GNPA has demonstrated a somewhat inconsistent pattern, starting with an increase from 8.9% to 10.4%, followed by a decline to 7.6%. The operational efficiency has been found to have improved, as the cost-to-income ratio has fallen from 62% to 54%. Despite the positive outcomes, there exist various challenges after the mergers of RRBs in Odisha, such as poor integration (65%), HR-related problems (52%), and technology adaptation challenges (48%).

Keywords: RRBs, Odisha, Bank Mergers, Financial Performance, ROA, ROE, GNPA, Cost-to-Income Ratio, Post-Merger Challenges, Rural Banking

How to Cite this Paper

Panda, S. S. (2026). Impact of 3rd Phase Consolidation of RRBs in Other States on the Financial Performance of RRBs in Odisha. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(6). https://doi.org/10.55041/ijcope.v2i6.190

Panda, Sudhansu. "Impact of 3rd Phase Consolidation of RRBs in Other States on the Financial Performance of RRBs in Odisha." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 6, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i6.190.

Panda, Sudhansu. "Impact of 3rd Phase Consolidation of RRBs in Other States on the Financial Performance of RRBs in Odisha." International Journal of Creative and Open Research in Engineering and Management 02, no. 6 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i6.190.

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  • •Published on: Jun 27 2026
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