Role of Financial Performance on Banking Sector in India by Using CAMEL Model Analysis with Special Reference to Bandhan Bank Ltd-An Empirical Evidence
Author : Dr. M Jagadish
Abstract :
In today’s world, if you have money, you must have a bank account in the best bank in India. Also, after the Pradhan Mantri Jan Dhan Yojna-A Financial Inclusion Program by Government of India-chances of individuals not having a bank account are pretty slim. But do you know about the best bank in India or public sector banks in India or about the top banks in India? If not, then don’t worry, because we will be telling you about some of the best bank in India which includes the top 10 banks in India in both categories of public and private banks in India and their banking products in a detailed way. In the contemporary globally competitive market companies must portray themselves as socially responsible companies. Through globalization companies pursue growth, and active involvement in socially beneficial programs provides competitive advantages to the company in pursuing such goals. Companies operating in multiple nations are often required to play a significant role in social issues of the respective nations, otherwise government regulations, environmental restrictions, labor exploitation issues and more can cost companies millions of dollars CAMEL Model analysis is an important tool to analyze 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 2017-2022. 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. This Paper is Identifying of ICICI Bank Performance using CAMEL Model.
Keywords :
Financial performance, CAMEL model, Bandhan bank ltd, profitability
