Please use this identifier to cite or link to this item: http://dspace.dtu.ac.in:8080/jspui/handle/repository/22014
Title: A STUDY OF THE STATE BANK OF INDIA'S PERFORMANCE USING THE CAMELS METHOD OF ANALYSIS
Authors: SINGH, PRIYAM
Keywords: STATE BANK OF INDIA
CAMELS METHOD
LIQUIDITY POSITION
SBI
Issue Date: Jun-2025
Series/Report no.: TD-8188;
Abstract: State Bank of India (SBI) is a leading financial institution in India, offering a wide range of banking products and services. This analysis provides an in-depth assessment of SBI's financial performance and overall health based on the CAMEL framework, which evaluates Capital adequacy, Asset quality, Management quality, Earnings capability, and Liquidity position. Capital Adequacy: SBI maintains a strong capital adequacy ratio (CAR), exceeding regulatory requirements. The bank's robust capital base provides a solid foundation for growth and helps mitigate risks associated with unexpected losses. Asset Quality: SBI has managed its asset quality effectively, maintaining a low level of non- performing assets (NPAs). This reflects prudent lending practices, rigorous risk assessment, and proactive measures to address potential credit risks. Management Quality: SBI's management has demonstrated strong leadership and governance practices. The bank has implemented effective strategies to drive growth, manage risks, and enhance shareholder value. Management's focus on innovation and customer-centricity has contributed to SBI's competitive position in the market. Earnings Capability: SBI has consistently delivered strong earnings, supported by diverse revenue streams and efficient cost management. The bank's profitability ratios compare favorably with industry peers, highlighting its ability to generate sustainable earnings over the long term. Liquidity Position: SBI maintains a comfortable liquidity position, with sufficient liquid assets to meet short-term obligations. The bank's liquidity management practices are robust, ensuring its ability to withstand liquidity shocks and meet customer demands.
URI: http://dspace.dtu.ac.in:8080/jspui/handle/repository/22014
Appears in Collections:MBA

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