Abstract:
During the last decade, a consolidation process of the
Pakistan banking industry has been under way. Today, in
the presence of highly competitive business environment well
known banking industry market concentration has raised the
concern among policy makers, regulators and academics that small
business may find it harder to obtain finance from larger and
more complex financial institutions. Bank mergers are always
considered a harmful sign which associated to small businesses
because lending relationships are more likely to be
disrupted following a merger. Small borrowers of target banks
have a higher probability of having terminated a relationship
with the consolidated bank. Type of research study is
qualitative in nature. In this study, the researcher emphases is
on impact of profitability of bank Islami after merger with KASB
Bank, HSBC merger with Meezan bank and Braclay bank merger with
HBL. The outcome of study is extracted through annual reports of
banks and researcher practically apply profitability ratio,
capitalization ratio, liquidity and efficiency ratio for banks
for determining the actual strength of these banks in market.
Management of banks are designed and developed various policies
and procedures for effectively utilizing these incomes, funds
and saving of people for extending credits or making loans
fulfilled customers’ requirements. The entire operational
functional activities of banks are associated with positive
