The study endeavors to determine the impact of horizontal mergers in the 1990s on the performance of selected banks. This study uses Camel Ratios as financial performance evaluation to determine whether there are evidences of benefits through improved performance. Also this study utilizes both descriptive and historical methods of research. It determines the cost and benefits of mergers by comparing the 3-year pre- and post- merger performance of 3 banks in the 1990s. This can provide interfere on the cause-effect relationships that exist between data through an analysis of the trend or patterns of change, if any, as a result of the business combination. For the proposed research, the study uses documentary analysis in presenting and interpreting financial and statistical data gathered from various sources. The study presents the data gathered along with the researcher’s analysis and interpretation; arranged in the order that the sub-problems were posed in the Statement of the Problem.
