Page 35 - Banking Finance October 2015

ARTICLE

CAMEL MODEL-
AS A TOOL OF
FINANCIAL
PERFORMANCE
OF STATE BANK
OF INDIA

Abstract:

Economic development of any country is mainly influenced by the growth of the banking industry in that
country. It is evident that since independence, Indian banking sector has undergone different phases of
changes viz. nationalization, reformation and the like. Nationalization of banks in 1969 and 1980 to sustain
the economy was a great event in the banking history of India. Increase in deposits, loans and advances,
and assets after nationalization shows that State Bank of India (SBI) has been running smoothly to a great
extent. With the implementation of the reforms of Narasimham committee, the operational and the financial
performance of SBI improved further to an extent. This paper made an attempt to analyze the operational
and financial performance of SBI through CAMEL model. The results showed that the financial position of SBI
stood at a safer place.

Sujitha K.A., Assistant Professor, has been Introduction
working in P.G. Department of Commerce of
Sree Vivekananda College, Kunnamkulam, State Bank of India (SBI) is the largest public sector bank in
since 2011. During this pe- India with over 200 years presence in financial services. It
riod, five papers were pre- has five associate banks in India along with other financial
sented and three articles subsidiaries. SBI has more than 15 thousand branches,
Sujitha K. A. were published. She started including 191 foreign offices in 36 countries, across all time
PhD work since 2013,under zones. The bank offers a wide range of banking products
the guidance of Dr. B. Johnson, Associate and financial services to corporate and retail customers
Professor, Department of Commerce & Man- through a variety of delivery channels. It caters to 165.17
agement studies, University of Calicut. Dr. B. Johnson lakh internet banking users and 85.78 lakh mobile banking
users. During this context an attempt is made to understand

BANKING FINANCE | OCTOBER | 2015 | 35

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