A study on performance rating of SBI Group: Camel model analysis Ms. Sharma Swati1, Dr. Patel Ajay Kumar2 1Assistant Professor, JIMS Engineering Management Technical Campus, Greater Noida, India, Email id: swati.1006@gmail.com 2Associate Professor, Jaipuria School of Business, Ghaziabad, India, Email id: ajaypatel83@gmail.com Online published on 13 June, 2019. Abstract The merger and acquisitions in public sector banks especially SBI with tis associate banks, have stirred the banking sector. There is various view point by experts that the merger will lead to rationalization of resources, improve productivity, customer service and lower cost of lending funds. The current work tries to evaluate the merger of largest public sector bank i.e. State bank of India and its five associate banks viz, State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala, and State Bank of Travancore and Bharatiya Mahila Bank with effect from April 1, 2017 The merger is to be done in phased manner. The study has adopted CAMEL (Capital Adequacy, Asset Quality, Management, Earning and Liquidity) Model to evaluate the SBI and its associate banks performance and rank the selected banks on target performance indicators. The study concludes that SBBJ has high efficiency in terms Capital Adequacy, SBP in Assets Quality, SPT in Management Quality, SBH in Earning Quality and whereas in Liquidity SBI has the top position. All banks have different competitive advantages and the merger has lead to exploit each other competitiveness for banks overall performance. Top Keywords CAMEL, Bank, Profitability, Liquidity, NPAs. Top |