Dr. Veena K. P., and Prof. S. N. Pathi. “Pre and Post Merger Analysis of Non Performance Assets (NPAs): A Study With Special Reference to ICICI Bank Ltd”. International Journal of Management Studies (IJMS), vol. 5, no. 1(2), Oct. 2021, pp. 51-59, https://researchersworld.com/index.php/ijms/article/view/1562.