ISSN: (Online) 2321 -4155
ISSN: (Print) 2320 -7000

JOURNAL OF INDIAN RESEARCH
VOLUME : 5, ISSUE : 1, Janurary-March, 2017 (ISSN No. : 2321-4155)
 
EVALUATION OF FINANCIAL PERFORMANCE IN SBI AND ITS ASSOCIATE BANKS BY USING CAMEL APPROACH
Neelam Tripathi*
 
ABSTRACT
The performance of Indian banking sector is showing a drastic change by entering into next generation called ‘Y’ generation. These banks have been transforming through the process of evolution and adoption of the new digital business model like social media and online banking through the smartphones. Banking performance is always taken as an effective measure and indicator for the sound economy. In this paper, an attempt has been made to compare the financial performance and soundness of the State Bank of India and its associates from 2011 to 2016 by using CAMEL approach. Under CAMEL analysis technique, there are several parameters, namely, Capital Adequacy, Asset Quality, Management Quality, Earning Quality, and Liquidity. These have been evaluated comparatively to determine the banking performance over diverse conditions. CAMEL ratings reflect the excellent banking conditions and performance of the SBI and its associates during the selected period. There is a need for bank employees to have sufficient knowledge of the rating system, in order to augment the banking growth rate in the positive direction.
 
KEYWORD
Banking performance, Basel norms, CACS (Capital Adequacy, Assets Quality, Compliance, Systems and Controls), CAMEL, financial analysis, Public Sector Banks, SBI.
Copyright@2012.mewaruniversity.in