Performance Appraisal of State Bank of India through camels Model-An Analytical Approach

Abstract The present study is aimed at analysing the trends in SBI’S Capital adequacy, Asset Quality, Earnings, Liquidity Management Efficiency and Sensitivity during the 6 years period, (1 April 2018 to 31 March 2024) The data needed for this study has been collected from the published annual accounts of SBI and also the Ratios derived therefrom for this purpose. The Ratio analysis has been done using the performance indicators contained in the CAMELS model.Based on this study, it is found that the company has shown an improving trend in respect of all the above parameters. However, it faces challenges in the areas of asset quality, profitability and Risk management practices. Keywords: CAMELS Framework, Bank Financial Performance, State Bank of India (SBI), Asset Quality and Capital Adequacy, Post-Pandemic Banking Resilience