A Study On The Financial Soundness Of State Bank Of India

This study titled "A Study on the Financial Soundness of the State Bank of India" focuses on analysing the financial performance of the State Bank of India for the period 2021-2025.The study aims to understand how financially strong and stable the bank has been during these five years by applying the CAMEL model.The analysis is based on secondary data collected from the published annual reports of the bank.Various financial ratios related to Capital Adequacy, Asset Quality, Management Efficiency, Earnings Quality, and Liquidity have been examined to assess its overall performance.The results show that SBI has improved considerably in terms of capital strength, profitability, and managerial efficiency.A noticeable reduction in Net NPA and Gross NPA indicates better control over bad loans and improved asset quality.Although the liquidity ratio has declined during the study period, it suggests that the bank has utilized its funds more effectively for generating income.Overall, the study concludes that the State Bank of India remains financially sound and has demonstrated consistent growth and stability throughout the selected period.