A Camel Model Analysis of Private Sector Banks in India
Keywords:
gamification, brand awareness, perception, in game advertising, experimentAbstract
The Indian banking sector has witnessed significant transformation over the years, driven by globalization, technological advancements, and increased competition. Assessing the financial stability and performance of banks is crucial for ensuring a sound banking system. The CAMEL model is a widely used tool for evaluating the financial health of banks based on five key parameters: Capital Adequacy, Asset Quality, Management Efficiency, Earnings Quality, and Liquidity. The Reserve Bank of India (RBI) adopted this approach in 1996, following the recommendations of the Padmanabhan Committee (1995).
This study examines the financial performance of selected private sector banks - ICICI Bank, HDFC Bank, and Yes Bank - using the CAMEL model from 2014 to 2019. The study also employs one-way ANOVA to determine significant differences among the banks based on CAMEL parameters. The findings reveal that ICICI Bank consistently performed well across most parameters, while Yes Bank ranked the lowest in financial stability indicators. The study provides insights for stakeholders, including regulators, investors, and policymakers, to enhance the efficiency and stability of private sector banks in India.
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Copyright (c) 2020 Dr. Rakesh Garg
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