Performance Analysis of SBI Using CAMEL Approach

Banking industry plays a very significant role in the development our economy and nation. The banking industry faced so many financial sector reforms. The latest merger exercise in this sector is the merger of SBI with five associate banks and Bharatia Mahila Bank.In this context a study is made to evaluate the performance and financial conditions of SBI in the past ten years using camels and also assess the performance of SBI after the major merger in 2017.Findings of this paper reveals that that the efficiency of the bank in recovering debt was declined after major merger. Under earning quality parameter, the ratio of net profit to total assets ratio and return on average assets showed a negative trend after merger. In terms of liquidity parameter, the banks liquidity position was weak after merger.