International Journal of Banking, Risk and Insurance

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Profitability Gains from Bancassurance: A Case Study of State Bank of India


Affiliations
1 Department of Commerce and Business Management, Guru Nanak Dev University, Amritsar, Punjab, India
     

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The present paper is an attempt to measure profitability gains from bancassurance by taking a case study of State Bank of India (SBI). The CAMEL indicator approach has been used to assess the impact of bancassurance on the financial performance of SBI. The analysis reveals that the bancassurance has improved almost all components of CAMEL model significantly except four indicators namely, Capital Adequacy Ratio (CRAR), Non-interest income (NII), Return-on-Assets (ROA) and Return-on-Equity (ROE)

Keywords

Bancassurance, Profitability, SBI
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  • Profitability Gains from Bancassurance: A Case Study of State Bank of India

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Authors

Nidhi Grover
Department of Commerce and Business Management, Guru Nanak Dev University, Amritsar, Punjab, India
G. S. Bhalla
Department of Commerce and Business Management, Guru Nanak Dev University, Amritsar, Punjab, India

Abstract


The present paper is an attempt to measure profitability gains from bancassurance by taking a case study of State Bank of India (SBI). The CAMEL indicator approach has been used to assess the impact of bancassurance on the financial performance of SBI. The analysis reveals that the bancassurance has improved almost all components of CAMEL model significantly except four indicators namely, Capital Adequacy Ratio (CRAR), Non-interest income (NII), Return-on-Assets (ROA) and Return-on-Equity (ROE)

Keywords


Bancassurance, Profitability, SBI

References