EVALUATING THE ROLE OF SAURASHTRA GRAMIN BANK IN FINANCIAL INCLUSION: ANALYSIS OF KEY PERFORMANCE INDICATORS

This paper attempts to analyse the financial performance of Saurashtra Gramin Bank (SGB). The financial performance of SGB was measured with the help of Key Performance Indicators (KPIs). The main objective of this paper is to study the difference in performance of SGB before and after Corona pandemic. For this purpose, the data of 4 years before Corona, and 4 years after Corona was taken. The study period also includes the year 2019-20 i.e. the year in which Corona arrived in India. The data was collected from the annual reports of SGB. Trend analysis and charts were used as statistical tools for analysing the KPIs. Ratios like CDR, ROA, and CAR were used, variables related to routine bank activities like deposits mobilised, advances, loan disbursement, investments, and borrowings were considered. Also, indicators like net profit, EPS, recovery amount as well as recovery percentage, and NPA were taken into consideration to analyse the overall financial performace. It was found from the study that SGB improved its financial performance during the critical time of Corona pandemic. The recovery rate was increased, borrowings were decreased, etc. were positive signs for SGB. Variables like CAR, EPS, ROA etc. showed a rapid increase after the period of Corona which can be considered a good sign for SGB. A higher rate of recovery resulted in higher profits, ROA and EPS.