Financial Performance Analysis of Selected Banks Using CAMEL Approach
Keywords:
CAMEL Approach, Efficiency, Soundness, Financial Position.Abstract
The paper has made a modest attempt to analyze the performance of eleven commercial banks in India during the period 2013 to 2017, using CAMEL approach. Based on the various ratios under CAMEL parameter, it is observed that Kotak Bank and HDFC Bank are the top performers while the public sector giant State Bank of India and Punjab National bank are at the bottom. This study also reveals the financial position and soundness among top eleven commercial banks.Downloads
Published
Issue
Section
License
It is herein agreed that:
1.I/We will not publish above said contribution anywhere else without the prior written permission of the publisher unless it has been changed substantially.
2.I/ We declare and warrant that the shared contribution is original, excerpts for such excerpts from copyrighted works as may be included with the permission of the copyright holder and author thereof, that it contains no libelous statements, and does not infringe on any copyright, trademark, patent, statutory right, proprietary right of others. The author signs for and accepts responsibility for releasing this material on behalf of any and all co-authors.
3.The author also warrants that he/ she has the right to enter into this agreement, the research paper/ book review/ articlecontains no libelous or unlawful statements, contains no instructions that may cause harm or injury and does not violate the copyright or trademark, or infringes on the right or the privacy or others; and that all statements in the article asserted as facts are either true or are based upon reasonable research.
4.I/ We agree to indemnify the Editors of IMR against all claims and expenses arising from any breach of warranty from me/us in this agreement.
References
Sathye, M. (2005), “Privatization Performance and Efficiency: A Study of Indian Banksâ€, Vikalpa: The Journal of Decision Makers, Vol. 30(1), pp. 7–16.
Nimalathasan, B. (2008), “A Comparative Study of Financial Performance of Banking Sector in Bangladesh–An Application of CAMELS Ratingâ€, Annals of University of Bucharest, Economic and Administrative Series, Nr. 2, pp. 141–152.
Manoj, P.K. (2010), “Financial Soundness of Old Private Sector Banks (OPBs) in India and Benchmarking the Kerala based OPBs: A CAMEL Approachâ€, American Journal of Scientific Research, Issue 11, pp. 132–149.
Prasad, K.V.N. and Ravinder, G. (2012), “A CAMEL Model Analysis of Nationalized Banks in Indiaâ€, International Journal of Trade and Commerce, Vol. 1(1), pp. 23–33.
Mishra, A.K., Sri Harsha, G., Anand, S. and Dhruva, N.R. (2012), “Analyzing Soundness in Indian Banking: A CAMEL Approachâ€, Research Journal of Management Sciences, Vol. 1(3), pp. 9–14.
Reddy, K.S. (2012), “Relative Performance of Commercial Banks in India using CAMEL Approachâ€, International Journal of Multidisciplinary Research, Vol. 2(3), pp. 38–58.
Gupta, R. (2014), “An Analysis of Indian Public Sector Banks using CAMEL Approachâ€, IOSR Journal of Business and Management, Vol. 16(1), Ver. IV, pp. 94–102.
Kaur, P. (2015), “A Financial Performance Analysis of the Indian Banking Sector using CAMEL Modelâ€, The IUP Journal of Bank Management, Vol. 14(4), pp. 19–33.
Padmalata, S. and Paul, J. (2015), Management of Banking and Financial Services. Delhi, Delhi: Pearson.
Vishwanathan, N.S. (2016, August), “Asset Quality of Indian Banks: Way Forwardâ€, Speech at National Conference of ASSOCHAM, New Delhi. Retrieved from https://www.rbi.org.in/Scripts/BS_SpeechesView.aspx?Id=1023
RBI (2012, June), “Review of Supervisory Processes for Commercial Banksâ€, Report of the High Level Steering Committee, RBI.
Gowri, M. and Ramya, G. (2013), “An Empirical Study on Banking Sector with the Use of CAMEL Modelâ€, Sona Global Management Review, Vol. 8(1), pp. 10–20.
Mittal, M. and Dhade, A. (2009), “Awareness and Perception of CAMEL Rating Across Banks: Some Survey Evidenceâ€, The Icfai University Journal of Bank Management, Vol. 8, No. 2, pp. 51–63.
Nandi, J.K. (2013), “Comparative Performance Analysis of Select Public and Private Sector Banks in India: An Application of CAMEL Modelâ€, The Journal of Institute of Public Enterprise, Vol. 36(3 & 4).
Singh, Y. (2016), “A Comparative Analysis of the Operating Efficiency of Indian Scheduled Commercial Banksâ€, The IUP Journal of Bank Management, Vol. 15(2), pp. 38–49.
