International Journal of Banking, Risk and Insurance

2013 | Volume 1 | Issue Issue 2

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

1. Nidhi Grover – Department Of Commerce And Business Management, Guru Nanak Dev University, Amritsar, Punjab, India.

2. G. S. Bhalla – Department Of Commerce And Business Management, Guru Nanak Dev University, Amritsar, Punjab, India.

Received
24-Nov-2013 		Accepted
- 		Published
24-Nov-2013
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
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