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  1. Surveys
  2. 2012
  3. January
  4. S
  5. Synergy Benefits of bank consolidation
0%
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1.Please rate the following reasons as the basis of consolidation decision in banks
Strongly Disagree Disagree Neutral Agree Strongly Agree
To enhance competitiveness
Enhance Shareholders Value
Enhanced Synergy
Better Risk Management
Improve Market Share
Organisational efficiency
 
 
2.Please give your responses to the following statements which you consider as a reason restricting the consolidation process.
Strongly Disagree Disagree Neutral Agree Strongly Agree
Affects Customer loyalty
Heterogeneity of work culture
Technology integration problems
Compliance to capital Adequacy norms
Loss of local feel( focus) and character
 
 
 
3. Please grade the following on the basis of their contribution for decreased customer satisfaction on account of the consolidation. (1 – Lowest, 5 – Highest)
Reduced branch working hours
Reduced bank branches
Increased transaction fees
Increased online based activities
Poor communication from consolidated bank to the customer
 
 
 
4. Please grade the following on the basis of their contribution for improving efficiency post banking consolidation (1 – Lowest, 7 – Highest)
Particulars
Better Product Diversity
Wider Reach of public market
Improved Operational Efficiencies
Elimination of duplicate overheads
Enhanced safety and soundness of banking institution
Improved Allocation of Credit
 
 
5. To what extent do you think the following factors play an important role in consolidation?
(Please tick (√) your choice)
Not a factor Slightly Important Important Very Important
Economies of scale
Economies of Scope
Revenue Enhancement
Risk Reduction
Change in Organisational Focus
Increased Market Power
Reduction of Tax Obligations
 
 
 
6. Does Consolidation makes national banks large enough to compete with foreign banks
 
Agree
 
Can’t say
 
Disagree
 
 
 
7. Does competition drives consolidation in enhancing efficiency and attaining profitability
 
Agree
 
Can’t say
 
Disagree
 
 
 
8. Rank the probable factors that you feel will bring about changes in credit sanctioning post consolidation. (Rank 1 - 5)
Change in lending policy
Change in bank credit monitoring practices
Change in bank pricing policy
No longer a type of sector for which bank is prepared to lend
No longer a type of business to which bank is prepared to lend
 
 
 
9. Please rate the following factor in the order of their importance being post merger financial benefits of SBI consolidation (1- Lowest, 5-Highest)
Improved Revenue
Cost Reduction
Increased Capital
Increased Reach
Diversified Risk
0
 
 
 
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