DATA OF IMPACT OF MERGER ON THE FINANCIAL PERFORMANCE OF SBI

The present exploratory study is based on secondary data collected from the finncial reports of State Bank of India (SBI). The collected data was examined by applyimg ratio analysis using CAMEL framework. This ratio analayis was performed in pre and post merger period of SBI separately. The pre-merger period in the current study includes a period of 4 years (financial year 2013-14 to 2016-17) succedding year 2017 in which the associate banks were merged with SBI.While the post-merger is also of four years (financial year 2018-19 to 2021-22). The compaartive analysis of the financial peformance of SBI in Pre-Merger Period and Post-Merger Period, was performed with the help of Paired T Test on the ratios representing different indicators of the CAMEL model. Table-1 CAMEL Framework CAMEL Framework Indicators of Financial Performance with Abbreviations Capital Adequacy Measures 1. Capital Adequacy Ratio (CAR) 2. Total Equity Ratio (TER) Asset Quality Measures 3. Gross NPA Ratio (GNPAR) 4. Net NPA to Net Advance Ratio (NNPP TO NAR) 5. Provision Coverage Ratio (PCR) Management Capability measures 6. Slippage Ratio (SR) 7. Cost to Income Ratio (CIR) 8. Cost to Asset Ratio (CtoAR) 9. Operational Profit to Income Ratio (OPIR) 10. Asset to Turnover Ratio (ATR) Earnings Measures 11. CASA Ratio 12. Return on Asset Ratio (RAR) 13. Return on Equity Ratio (RER) 14. Gross Profit Margin Ratio (GPMR) 15. Net Profit Margin Ratio (NPMR) 16. Net Interest Margin Ratio (NIMR) Liquidity Measures 17. Liquid assets to deposit-borrowing ratio (LADST) 18. Net Loans to total asset ratio (NLTA) 19. Net loans to deposit and borrowing (NLDST)