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Evaluating Performance Of Banks Through Camel Model: A Case Study Of Sbi And Icici

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  • B S Bodla
  • Richa Verma

Abstract

The present supervisory system in banking sector is a substantial improvement over the earlier system in terms of frequency, coverage and focus as also the tools employed. Nearly one-half of the Basle Core Principles for Effective Banking Supervision has already been adhered to and the remaining is at a stage of implementation. Two Supervisory Rating Models, based on CAMELS and CACS factors for rating of the Indian Commercial Banks and Foreign Banks operating in India respectively, have been worked out on the lines recommended by the Padmanabhan Working Group (1995). These ratings would enable the Reserve Bank to identify the banks whose condition warrants special supervisory attention. This paper studies the performance of SBI and ICICI through CAMEL Model for the period 2000-01 to 2004-05. It is found that SBI has an edge over its counterpart ICICI in terms of Capital Adequacy. However, the vice versa is true regarding assets quality, earning quality and management quality. The liquidity position of both the banks is sound and does not differ significantly.

Suggested Citation

  • B S Bodla & Richa Verma, 2006. "Evaluating Performance Of Banks Through Camel Model: A Case Study Of Sbi And Icici," The IUP Journal of Bank Management, IUP Publications, vol. 0(3), pages 49-63, August.
    • Handle: RePEc:icf:icfjbm:v:5:y:2006:i:3:p:49-63
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    Cited by:

    1. Syed Moudud-Ul-Huq, 2017. "Performance of banking industry in Bangladesh: Insights of CAMEL rating," International Journal of Financial Engineering (IJFE), World Scientific Publishing Co. Pte. Ltd., vol. 4(02n03), pages 1-15, June.
    2. Babatunde Rahman YUSUF & Jamiu Olakunle TIJANI, 2019. "An Evaluation of Financial Health of Nigerian Deposit Money Banks using CAMELS Rating Model," Economics and Applied Informatics, "Dunarea de Jos" University of Galati, Faculty of Economics and Business Administration, issue 1, pages 48-61.
    3. Do Thi Thanh Nhan & Kim-Hung Pho & Dang Thi Van Anh & Michael McAleer, 2021. "The Safety of Banks in Vietnam Using CAMEL," Advances in Decision Sciences, Asia University, Taiwan, vol. 25(2), pages 158-192, June.
    4. Do Thi Thanh Nhan & Kim-Hung Pho & Dang Thi Van Anh & Michael McAleer, 2021. "The Safety of Banks in Vietnam Using CAMEL," Advances in Decision Sciences, Asia University, Taiwan, vol. 25(2), pages 158-192, June.

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