A Diagnostic Study of Canara Bank’s Financial Health Through CAMEL Parameters: Pre- and Post-Merger Perspective

Abstract: This paper presents a decade-long analysis of Canara Bank's financial performance using the CAMEL framework-Capital Adequacy, Asset Quality, Management Efficiency, Earnings Quality, and Liquidity-from FY 2015-16 to FY 2024-25. The study assesses how the 2020 merger with Syndicate Bank influenced its financial soundness. Secondary data were drawn from Canara Bank's annual reports, RBI publications, and financial databases. The results demonstrate significant improvement in capital buffers, asset quality, operational efficiency, and profitability post-merger. Liquidity remained consistently above the regulatory norms throughout the decade. The CAMEL analysis provides comprehensive insights into the impact of structural reforms in public sector banks. The study offers practical implications for policymakers, bank management, and investors aiming for sustainable financial performance.

Keywords: CAMEL Model, Canara Bank, Financial Analysis, Bank Merger, Asset Quality, Public Sector Banks