Banking sector is one of the fastest growing sectors in India. Today’s banking sector becoming
more complex. The objective of this study is to analyze the Financial Position and Performance of
the Bank of Baroda and Punjab National Bank in India based on their financial characteristics. This
study attempts to measure the relative performance of Indian banks. For this study, we have used
public sector banks. We know that in the service sector, it is difficult to quantify the output because
it is intangible. We have chosen the CAMEL model and t-test which measures the performance of
bank from each of the important parameter like capital adequacy, asset quality, management
efficiency, earning quality, liquidity and Sensitivity