Financial Analysis of State Bank of India During 2000-‘12

The concept of banking as mere repositories of the community's savings and lenders to creditworthy parties was soon to give way to the concept of purposeful banking sub-serving the growing and diversified financial needs of planned economic development. The State Bank of India was destined to act as the pacesetter in this respect and lead the Indian banking system into the exciting field of national development. This study is proposed to evaluate the financial performance of State Bank of India. The study emphasized on financial performance measurement ratios such as Capital Adequacy Ratios, Asset Quality Ratios, Capability Ratios, Profitability Ratios and Liquidity Ratios to evaluate the bank's financial performance. For this study, the researchers dominantly relied on secondary data for thirteen years (2000-‘12) from most recent audited financial statements of the bank. Findings of the study revealed that though the bank's financial performance had been almost progressing over the operational periods considered for the study, but the study emphasized on relevant areas where the bank has to concentrate on improving its financial performance.