A Study on the Financial Performance Assessment of Nationalized Bank of India with Special Reference to Punjab National Bank

Abstract

The CAMEL approach is a useful tool to examine the safety and soundness of banking sectors in India. In the present study, the performance of Punjab National Bank using the CAMEL approach has been studied. This paper observes the globally accepted parameters of the CAMEL rating model and their consistency over the study period of 2014-15 to 2018-19. The main objective of this paper is to highlight the overview of PNB and to study the shareholder's capital adequacy, asset quality, earnings quality, liquidity ratios and management efficiency ratios performance in PNB. The particular study is based on secondary data where different ratios pertained. It is interpreted that the expediency position is falling during the study period wherein it improves asset quality and capital adequacy however earning standards couldn't match banks' efficiency to induce increased turnover.