Page 42 - Banking Finance October 2015
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Fig.2 Asset Quality Ratio ARTICLE
Fig.4.Earning Performance Ratio
Fig.3 Management Performance Ratio Fig.5 Liquidity Management Ratio
42 | 2015 | OCTOBER Findings and Suggestions:
Major Findings and suggestions of this study were depicted
under the five headings of CAMEL model as follows:-
D Capital Adequacy:- The capital Adequacy Ratio had
varied between the lowest of 11.98 in 2010-11 and the
highest of 14.25 in 2008-09. However the ratio
depicted meager fluctuations over a period of time as
can be seen from year to year changes in capital
adequacy ratio. It may be observed that SBI has been
maintained over and above the norm specified by the
RBI and Basel. It signifies healthy condition.
D Asset Quality:- Table 3 shows that Return On Assets
(ROA) varied between 0.71 % to 1.04 % over a period
under observation. Best and wise portfolio selection will
yield better returns. But in case of SBI, it is restricted
by RBI's and Central Government policies. The level of
NPA is on an increasing trend due to the fluctuations in
the economy. To improve the condition, SBI should be
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