'The (e)merging banks'

BookValue
Banks in the South
Dr N. K. Thingalaya
( http://www.jkshim.ac.in/ )

Banks in a blue ocean

Instead of merging all the associate banks with itself, SBI should explore the feasibility of merging a few of them as a separate entity, recommends Dr N. K. Thingalaya in Banks in the South: Past, Present and Their Future.

More