Financial Performance of Select Public and Private Sector Banks in India by using “Camel Model”

Dr. M. Sukanya, Associate Professor, School of Management Studies, Sreenidhi Institute of Science and Technology, Hyderabad, Telangana, India.

Manuscript received on 10 April 2019 | Revised Manuscript received on 17 April 2019 | Manuscript Published on 26 July 2019 | PP: 807-809 | Volume-8 Issue-6S4 April 2019 | Retrieval Number: F11620486S419/19©BEIESP | DOI: 10.35940/ijitee.F1162.0486S419

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Abstract: CAMEL model analysis is an important tool to analyse the banks’ and financial institutions’ performance and to suggest the necessary measures for its improvement where it is required. In the present study, Indian banks- five public and five private sector banks based on its total assets have been considered. This study is taken up for the five year period from 2012-17. The present study analyses the financial performance of the select banks. Five parameters of CAMEL- Capital Adequacy, Asset Quality, Management Efficiency, Earnings Ability and Liquidity are considered to rank the banks on its performance. The study found that Kotak Mahindra has performed better and ranked first among all the banks and Punjab National bank ranked the least position. Among all, private sector banks have outperformed compared to public sector banks. The top five positions are of private sector banks and Bank of Baroda being public sector bank ranked top third with HDFC bank.

Keywords: CAMEL MODEL, Private and Public Sector Banks, Financial Performance and Measures.
Scope of the Article: Knowledge Modelling, Integration, Transformation, and Management