Abstract
Banking industry has a vital role over the development of the economy. They not only offer loans, interest, borrow and lend money but also assure the customers with its safety measures and provide them financial advice. Such a bank’s performance in all aspects is ranked and judged by one of the popular methods – CAMELS. It refers to C- Capital adequacy, A-Asset quality, M-Management, E- Earnings, L-Liquidity, S-Sensitivity to market risk. This paper has the comparative study of “HDFC Bank” and “Bank of Baroda” on CAMEL analysis for a period of 5 years based on the annual reports of the selected banks.
Highlights
The banking sector regulates the monetary system of the economy
This paper has the comparative study of “HDFC Bank” and “Bank of Baroda” on CAMEL analysis for a period of 5 years based on the annual reports of the selected banks
The banking sector has a huge impact on the economy and it is a need to analyze the financial performance of the bank yet they are highly confidential
Summary
The banking sector regulates the monetary system of the economy. It deals with credit, accept deposits and its aim is to earn profit. A developing economy requires a sound and efficient banking system to meet the developing challenges and technologies in the society. For these purposes, various commercial banks, public sector and private sector banks are established. The banking sector has a huge impact on the economy and it is a need to analyze the financial performance of the bank yet they are highly confidential. For this purpose, CAMELS rating analysis is used as a tool to determine the overall performance of the banks. Sensitivity to market risk is not taken into consideration by CBI. [1-5]
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