This document analyzes the financial performance of the top 5 public sector banks in India from 2013-2017 using the CAMELS framework. It provides background on CAMELS and outlines its components of capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk. Tables show the banks' individual and composite CAMELS ratings, with Indian Bank ranked highest and Canara Bank ranked lowest overall. The findings indicate Indian Bank had the highest capital adequacy, asset quality, earnings ability, and liquidity ability ratios compared to peers over the period studied.
This document provides a project report on fundamental analysis of the banking sector in India submitted by Leslie Sequeira to Don Bosco Institute of Management and Research. The report includes an introduction to the history of banking in India from 1786 to the present, which is divided into three phases. It also outlines the research methodology, includes an index of contents, and covers data collection, analysis and interpretation of the banking sector. The main purpose is to understand and interpret factors affecting the banking sector in India through fundamental analysis.
The document discusses credit appraisal in the banking sector. Credit appraisal is the process used by banks to evaluate a loan applicant's creditworthiness before providing a loan. It involves investigating the applicant's financial condition, repayment capacity, collateral, and other factors. Banks consider the 3Cs - character, capacity, and collateral. The credit appraisal process at State Bank of India involves preliminary assessment, documentation, sanctioning/approval, disbursement, and post-sanction monitoring. SBI has quantitative and qualitative standards for credit appraisal and uses a rating scale to assess risk levels of borrowers.
- Bank of Baroda (BOB) was founded in 1908 in Baroda, India with a paid up capital of Rs. 10 lacs under the leadership of Maharaja Sayajirao Gaekwad III.
- It is currently the third largest public sector bank in India with over 4,283 branches across India and 111 branches overseas.
- Over the years, BOB has grown organically and through mergers and acquisitions. It has expanded its operations across 25 countries globally.
Risk management in banking sector project report mba financeBabasab Patil
This document discusses risk management in the banking sector. It introduces the concepts of risk management and provides definitions of key risk types including credit risk, market risk, operational risk, and regulatory risk. It also summarizes Basel II, the international banking accord that introduced a risk-based capital adequacy framework. The framework has three pillars: minimum capital requirements, supervisory review, and market discipline. Effective risk management and maintaining adequate capital are important for banking stability and soundness.
The document is a student project analyzing the fundamentals of HDFC Bank. It includes an overview of HDFC Bank, its history, management, and financial details. It also analyzes the macroeconomic outlook for the Indian banking sector, including factors like inflation, interest rates, and regulatory changes. Finally, it examines the competitive landscape of the Indian banking industry, including trends among public sector banks, private banks, and foreign banks. The student conducted the analysis under the guidance of a professor to evaluate HDFC Bank as an investment.
This document provides an overview of the CAMELS rating system used to evaluate the overall health and risk profile of banks. CAMELS stands for Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk. Each component is rated on a scale of 1 to 5, with 1 being the strongest. The ratings are used by regulators in the US, India, and other countries to monitor banks and determine which may require support.
India being a developing country has been progressing since independence with the great sup-port of banking system in the country. The role of commercial bank in the progress of the country is considered as a benchmark. For the high rate of capital formation the role of commercial bank has no any other alternative. But yet India needs a great amount of development and growth for the time to come where again the banking system will become a milestone but the banking system has only one big issue that is of Non Performing Assets.
In general, the non performing assets are found more comparatively in the public sector banks in comparisons to private bank because of liberal rules for the debt recovery. Now a days the RBI has is-sued strict guidelines to reduce NPA,s in the banks and due to that the proportion of NPA,s has re-duced up to the extent but not all together. In the present paper a study is conducted to check the NPA,s of State Bank Of India during 2012-13 to 2016-17 and suggestion to reduce the NPA,s has also been drawn.
And much more
This document provides a project report on fundamental analysis of the banking sector in India submitted by Leslie Sequeira to Don Bosco Institute of Management and Research. The report includes an introduction to the history of banking in India from 1786 to the present, which is divided into three phases. It also outlines the research methodology, includes an index of contents, and covers data collection, analysis and interpretation of the banking sector. The main purpose is to understand and interpret factors affecting the banking sector in India through fundamental analysis.
The document discusses credit appraisal in the banking sector. Credit appraisal is the process used by banks to evaluate a loan applicant's creditworthiness before providing a loan. It involves investigating the applicant's financial condition, repayment capacity, collateral, and other factors. Banks consider the 3Cs - character, capacity, and collateral. The credit appraisal process at State Bank of India involves preliminary assessment, documentation, sanctioning/approval, disbursement, and post-sanction monitoring. SBI has quantitative and qualitative standards for credit appraisal and uses a rating scale to assess risk levels of borrowers.
- Bank of Baroda (BOB) was founded in 1908 in Baroda, India with a paid up capital of Rs. 10 lacs under the leadership of Maharaja Sayajirao Gaekwad III.
- It is currently the third largest public sector bank in India with over 4,283 branches across India and 111 branches overseas.
- Over the years, BOB has grown organically and through mergers and acquisitions. It has expanded its operations across 25 countries globally.
Risk management in banking sector project report mba financeBabasab Patil
This document discusses risk management in the banking sector. It introduces the concepts of risk management and provides definitions of key risk types including credit risk, market risk, operational risk, and regulatory risk. It also summarizes Basel II, the international banking accord that introduced a risk-based capital adequacy framework. The framework has three pillars: minimum capital requirements, supervisory review, and market discipline. Effective risk management and maintaining adequate capital are important for banking stability and soundness.
The document is a student project analyzing the fundamentals of HDFC Bank. It includes an overview of HDFC Bank, its history, management, and financial details. It also analyzes the macroeconomic outlook for the Indian banking sector, including factors like inflation, interest rates, and regulatory changes. Finally, it examines the competitive landscape of the Indian banking industry, including trends among public sector banks, private banks, and foreign banks. The student conducted the analysis under the guidance of a professor to evaluate HDFC Bank as an investment.
This document provides an overview of the CAMELS rating system used to evaluate the overall health and risk profile of banks. CAMELS stands for Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk. Each component is rated on a scale of 1 to 5, with 1 being the strongest. The ratings are used by regulators in the US, India, and other countries to monitor banks and determine which may require support.
India being a developing country has been progressing since independence with the great sup-port of banking system in the country. The role of commercial bank in the progress of the country is considered as a benchmark. For the high rate of capital formation the role of commercial bank has no any other alternative. But yet India needs a great amount of development and growth for the time to come where again the banking system will become a milestone but the banking system has only one big issue that is of Non Performing Assets.
In general, the non performing assets are found more comparatively in the public sector banks in comparisons to private bank because of liberal rules for the debt recovery. Now a days the RBI has is-sued strict guidelines to reduce NPA,s in the banks and due to that the proportion of NPA,s has re-duced up to the extent but not all together. In the present paper a study is conducted to check the NPA,s of State Bank Of India during 2012-13 to 2016-17 and suggestion to reduce the NPA,s has also been drawn.
And much more
This document provides information about a seminar project submitted by Danish ROLL NO.-2018MGA1016 to Prof. Amanjot Singh and Prof. Arun at Guru Nanak Dev University, Amritsar. The project is about Bank of Baroda, one of the largest banks in India. It was founded in 1908 in Baroda, Gujarat by Maharaja Sayajirao Gaekwad III. Over the years, it has expanded domestically and internationally to become a major public sector bank with over 5,000 branches globally. The document includes sections on the bank's history, profile, products/services, initiatives, financial reports and suggestions.
HDFC Bank has over 3,300 branches across India and leverages CRM technology like call center automation and data warehousing. The bank implemented a CRM solution from CRMnext in 2008 that provides a 360-degree view of customers and an integrated sales platform. HDFC Bank's CRM strategy focuses on customer experience management, cross-selling capabilities, and segmentation to improve relationships and sales. The bank has a wide range of personal, commercial, NRI, and investment products and services and competes primarily with ICICI Bank.
State Bank of India (SBI) is India's largest bank. It was formed in 1955 by the government merging the Imperial Bank of India with various state-associated banks. SBI has over 21,500 branches across India and 172 offices in foreign countries. It has various subsidiaries and associate banks within India. SBI continues to be a pioneer in the Indian banking sector and aims to further financial inclusion through its services.
HDFC Bank was established in 1994 as a private sector bank. It has grown to become one of the largest banks in India with over 2,000 branches and 5,000 ATMs across the country. The bank offers a wide range of products and services including credit cards, personal loans, home loans, mutual funds, and trade services. It has pursued an aggressive expansion strategy and targets both retail and corporate customers. The bank has received several awards recognizing its strong financial performance and use of technology.
CAMELS MODEL Analysis on Banking Sector.Ranga Nathan
The document discusses CAMELS ratings which are used to assess the overall condition of banks. The CAMELS acronym refers to six components evaluated: Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk. Ratings are assigned on a scale of 1 to 5 with 1-2 indicating few supervisory concerns and 3-5 indicating increasing supervisory concerns. The document then provides details on the components of CAMELS ratings and analyzes four Indian banks based on their capital adequacy ratios.
Banking sector is going to be the most watched sector in the coming quarters. There are reasons for this, RBI has reduced the CRR rate and repo rates. The debt/GDP ratio of the Government is scary at 80% essentially meaning that the Government cannot borrow much without jeopardizing stability of banking sector. Given project is an attempt to identify and analyse the vision and mission of HDFC bank, as well as comparing the position and strategies of the bank with its major competitor.
Project:
Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
Contains a study of the major internal and external factors affecting HDFC Bank Limited in the form of a SWOT analysis as well as a breakdown and examination of strategies of HDFC Bank Limited.
Major factors contributing the success of HDFC.
Industrial analysis of HDFC through Porter’s five forces model as well as comparing that with its competitor ICICI.
Analysis done on BCG matrix
With this project we have tried to understand the different business process identified by the bank, as well as analyzing its strength and weakness as compared to other banks. Our project is mainly concentrated on the comparative analysis of HDFC and competitor ICICI. The source of information is secondary that is through internet and different newspapers and sites of HDFC and ICICI as well as some of the journals.
Project financed @ sbi project report mba financeBabasab Patil
The document discusses the history and evolution of banking in India across three phases. It provides details about the nationalization of banks in India in 1969 and 1980. It then discusses the liberalization of the banking sector in the 1990s allowing private banks and more foreign participation. Currently, the banking system in India is well established with a wide range of public, private, and foreign banks serving the country. Project financing is an important activity for banks like SBI to support large capital intensive projects.
HDFC Bank is one of the largest private sector banks in India that focuses on wholesale banking, retail banking, and treasury services. It has over 1,400 branches across India and provides services like loans, deposits, credit/debit cards, internet banking, and ATM access. HDFC Bank aims to become a world-class Indian bank through excellent customer service, innovative products, and maintaining high asset quality. It has a strong brand due to its reliable services and receives several awards for its performance. The bank sees opportunities in growing its rural customer base and acquiring other companies, but faces threats from new competitors and non-performing assets.
Industrial Credit & Investment Corporation of India (ICICI) presented on their principles of management. ICICI is India's second largest bank with over 4 trillion rupees in total assets. The presentation covered ICICI's history, awards, vision, management style, strategy for future challenges, and plans to enable India's economy through digital initiatives by 2015. ICICI aims to be a truly universal bank and sustain double digit growth through product innovation, technology usage, and focus on retail banking, SMEs, and financial inclusion.
Bank of Baroda is an Indian state-owned bank headquartered in Vadodara, Gujarat. It was founded in 1908 by Maharaja Sayajirao Gaekwad III of Baroda. In 1969, it was nationalized along with 13 other major commercial banks. Today, it has a presence in 22 countries across 5,481 branches. The bank's key functions include accepting deposits, lending funds, and providing other banking and financial services. It has over 55,000 employees serving over 82 million customers globally. Bank of Baroda remains committed to serving customers and augmenting stakeholder value through concern, care and competence.
Bank of Baroda (BoB) is one of the largest public sector banks in India with over 5000 branches globally. It was founded in 1908 in Baroda, Gujarat by the Maharaja of Baroda. Over the years, BoB has expanded both within India and internationally. In 1969, it was nationalized along with 13 other major banks. Today, BoB offers a wide range of banking products and services to corporate and retail customers. It has received several awards recognizing its leadership and customer service. BoB has a strong presence both within India and globally across over 20 countries.
A study on financial analysis of hdfc bankMehul Rasadiya
The document provides information about HDFC Bank, including its founder Hasmukh Bhai Parekh, incorporation in 1994, board of directors, major functions, capital structure, network across India and internationally, key accounts, new logo and tagline, services offered, achievements, vision, mission, values, and financial analysis including various ratios. The bank focuses on understanding customer needs, leveraging technology, quality over quantity, and employee growth. It has a growing network across India and internationally and aims to increase its market share while maintaining standards.
RBL Bank is one of the fast growing private banks in India. A detailed general environment analysis(PESTEL), Industry analysis(Porter's 5 forces), VRIO analysis carried to look at the strategy analysis and formulated strategy for different business verticals, as part of the Project in MBA
Basel III and its impact on the Indian banking sector. Basel I, II, and III are international banking accord that set capital requirements for banks to reduce risks. Basel III strengthens bank capital and liquidity rules following the 2008 crisis. For India, Basel III means banks must increase capital, manage liquidity risks better, and improve transparency. This will impact bank profitability, capital raising, and consolidation in the Indian banking system.
This document discusses retail loans offered by Bank of India. It provides an overview of the loan application and sanctioning process, including how credit scores are analyzed using CIBIL, Equinox and Equifax software. Key steps in the process include submitting a loan application, credit analysis, preparing loan documents, verifying documents, updating the loan system and disbursing funds to the customer. Factors that positively and negatively affect credit scores are also outlined.
IDFC First Bank: Analysis and Outlook Mitali Pania
This document analyzes IDFC FIRST BANK. It provides an overview of trends in the Indian banking sector, including strong credit growth. It outlines the merger that formed IDFC FIRST BANK and describes its leadership and shareholding. The document observes trends in the bank's financials like rising net interest income and CASA deposits. Capital adequacy ratios are projected to gradually decline but remain above regulatory limits. Non-performing assets are expected to fall to healthy levels by 2024-25.
NPA - Non Performing Assets by Meka SantoshSantosh Meka
NPA which is gobal problem for the banks with the borrower who they not pay money back to the banks with the given period of time.The silde have been describing toward INDIAN bank. More over it includes the impact, problem, solution and action taken by RBI and Govt of India to solve the issue of NPA.
The document discusses the CAMEL model for evaluating the operational efficiency of banks. CAMEL stands for Capital Adequacy, Asset Quality, Management Efficiency, Earnings Quality, and Liquidity Position. Each component is measured using specific ratios and assigned a rating from 1 to 5, with 1 being the highest rating. The document provides detailed descriptions and thresholds for rating each CAMEL component. It also includes an example of how the ratings would be applied to calculate a composite score for a bank's performance evaluation.
This document provides information about a seminar project submitted by Danish ROLL NO.-2018MGA1016 to Prof. Amanjot Singh and Prof. Arun at Guru Nanak Dev University, Amritsar. The project is about Bank of Baroda, one of the largest banks in India. It was founded in 1908 in Baroda, Gujarat by Maharaja Sayajirao Gaekwad III. Over the years, it has expanded domestically and internationally to become a major public sector bank with over 5,000 branches globally. The document includes sections on the bank's history, profile, products/services, initiatives, financial reports and suggestions.
HDFC Bank has over 3,300 branches across India and leverages CRM technology like call center automation and data warehousing. The bank implemented a CRM solution from CRMnext in 2008 that provides a 360-degree view of customers and an integrated sales platform. HDFC Bank's CRM strategy focuses on customer experience management, cross-selling capabilities, and segmentation to improve relationships and sales. The bank has a wide range of personal, commercial, NRI, and investment products and services and competes primarily with ICICI Bank.
State Bank of India (SBI) is India's largest bank. It was formed in 1955 by the government merging the Imperial Bank of India with various state-associated banks. SBI has over 21,500 branches across India and 172 offices in foreign countries. It has various subsidiaries and associate banks within India. SBI continues to be a pioneer in the Indian banking sector and aims to further financial inclusion through its services.
HDFC Bank was established in 1994 as a private sector bank. It has grown to become one of the largest banks in India with over 2,000 branches and 5,000 ATMs across the country. The bank offers a wide range of products and services including credit cards, personal loans, home loans, mutual funds, and trade services. It has pursued an aggressive expansion strategy and targets both retail and corporate customers. The bank has received several awards recognizing its strong financial performance and use of technology.
CAMELS MODEL Analysis on Banking Sector.Ranga Nathan
The document discusses CAMELS ratings which are used to assess the overall condition of banks. The CAMELS acronym refers to six components evaluated: Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk. Ratings are assigned on a scale of 1 to 5 with 1-2 indicating few supervisory concerns and 3-5 indicating increasing supervisory concerns. The document then provides details on the components of CAMELS ratings and analyzes four Indian banks based on their capital adequacy ratios.
Banking sector is going to be the most watched sector in the coming quarters. There are reasons for this, RBI has reduced the CRR rate and repo rates. The debt/GDP ratio of the Government is scary at 80% essentially meaning that the Government cannot borrow much without jeopardizing stability of banking sector. Given project is an attempt to identify and analyse the vision and mission of HDFC bank, as well as comparing the position and strategies of the bank with its major competitor.
Project:
Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
Contains a study of the major internal and external factors affecting HDFC Bank Limited in the form of a SWOT analysis as well as a breakdown and examination of strategies of HDFC Bank Limited.
Major factors contributing the success of HDFC.
Industrial analysis of HDFC through Porter’s five forces model as well as comparing that with its competitor ICICI.
Analysis done on BCG matrix
With this project we have tried to understand the different business process identified by the bank, as well as analyzing its strength and weakness as compared to other banks. Our project is mainly concentrated on the comparative analysis of HDFC and competitor ICICI. The source of information is secondary that is through internet and different newspapers and sites of HDFC and ICICI as well as some of the journals.
Project financed @ sbi project report mba financeBabasab Patil
The document discusses the history and evolution of banking in India across three phases. It provides details about the nationalization of banks in India in 1969 and 1980. It then discusses the liberalization of the banking sector in the 1990s allowing private banks and more foreign participation. Currently, the banking system in India is well established with a wide range of public, private, and foreign banks serving the country. Project financing is an important activity for banks like SBI to support large capital intensive projects.
HDFC Bank is one of the largest private sector banks in India that focuses on wholesale banking, retail banking, and treasury services. It has over 1,400 branches across India and provides services like loans, deposits, credit/debit cards, internet banking, and ATM access. HDFC Bank aims to become a world-class Indian bank through excellent customer service, innovative products, and maintaining high asset quality. It has a strong brand due to its reliable services and receives several awards for its performance. The bank sees opportunities in growing its rural customer base and acquiring other companies, but faces threats from new competitors and non-performing assets.
Industrial Credit & Investment Corporation of India (ICICI) presented on their principles of management. ICICI is India's second largest bank with over 4 trillion rupees in total assets. The presentation covered ICICI's history, awards, vision, management style, strategy for future challenges, and plans to enable India's economy through digital initiatives by 2015. ICICI aims to be a truly universal bank and sustain double digit growth through product innovation, technology usage, and focus on retail banking, SMEs, and financial inclusion.
Bank of Baroda is an Indian state-owned bank headquartered in Vadodara, Gujarat. It was founded in 1908 by Maharaja Sayajirao Gaekwad III of Baroda. In 1969, it was nationalized along with 13 other major commercial banks. Today, it has a presence in 22 countries across 5,481 branches. The bank's key functions include accepting deposits, lending funds, and providing other banking and financial services. It has over 55,000 employees serving over 82 million customers globally. Bank of Baroda remains committed to serving customers and augmenting stakeholder value through concern, care and competence.
Bank of Baroda (BoB) is one of the largest public sector banks in India with over 5000 branches globally. It was founded in 1908 in Baroda, Gujarat by the Maharaja of Baroda. Over the years, BoB has expanded both within India and internationally. In 1969, it was nationalized along with 13 other major banks. Today, BoB offers a wide range of banking products and services to corporate and retail customers. It has received several awards recognizing its leadership and customer service. BoB has a strong presence both within India and globally across over 20 countries.
A study on financial analysis of hdfc bankMehul Rasadiya
The document provides information about HDFC Bank, including its founder Hasmukh Bhai Parekh, incorporation in 1994, board of directors, major functions, capital structure, network across India and internationally, key accounts, new logo and tagline, services offered, achievements, vision, mission, values, and financial analysis including various ratios. The bank focuses on understanding customer needs, leveraging technology, quality over quantity, and employee growth. It has a growing network across India and internationally and aims to increase its market share while maintaining standards.
RBL Bank is one of the fast growing private banks in India. A detailed general environment analysis(PESTEL), Industry analysis(Porter's 5 forces), VRIO analysis carried to look at the strategy analysis and formulated strategy for different business verticals, as part of the Project in MBA
Basel III and its impact on the Indian banking sector. Basel I, II, and III are international banking accord that set capital requirements for banks to reduce risks. Basel III strengthens bank capital and liquidity rules following the 2008 crisis. For India, Basel III means banks must increase capital, manage liquidity risks better, and improve transparency. This will impact bank profitability, capital raising, and consolidation in the Indian banking system.
This document discusses retail loans offered by Bank of India. It provides an overview of the loan application and sanctioning process, including how credit scores are analyzed using CIBIL, Equinox and Equifax software. Key steps in the process include submitting a loan application, credit analysis, preparing loan documents, verifying documents, updating the loan system and disbursing funds to the customer. Factors that positively and negatively affect credit scores are also outlined.
IDFC First Bank: Analysis and Outlook Mitali Pania
This document analyzes IDFC FIRST BANK. It provides an overview of trends in the Indian banking sector, including strong credit growth. It outlines the merger that formed IDFC FIRST BANK and describes its leadership and shareholding. The document observes trends in the bank's financials like rising net interest income and CASA deposits. Capital adequacy ratios are projected to gradually decline but remain above regulatory limits. Non-performing assets are expected to fall to healthy levels by 2024-25.
NPA - Non Performing Assets by Meka SantoshSantosh Meka
NPA which is gobal problem for the banks with the borrower who they not pay money back to the banks with the given period of time.The silde have been describing toward INDIAN bank. More over it includes the impact, problem, solution and action taken by RBI and Govt of India to solve the issue of NPA.
The document discusses the CAMEL model for evaluating the operational efficiency of banks. CAMEL stands for Capital Adequacy, Asset Quality, Management Efficiency, Earnings Quality, and Liquidity Position. Each component is measured using specific ratios and assigned a rating from 1 to 5, with 1 being the highest rating. The document provides detailed descriptions and thresholds for rating each CAMEL component. It also includes an example of how the ratings would be applied to calculate a composite score for a bank's performance evaluation.
axis perfomance article ,and analysis and book NEW HORIZONS IN COMMERCE ...hariharan 23900
ABOUT THE AUTHOR
Mr. N. Hariharan BCOM CS ., DDTP., DOA., IBM, Currently pursing MBA First year at AR SCHOOL OF BUSINESS , Dindigul, Tamil nadu, India, DDTP – Diploma in desk top publishing in computer Software College, vadipatty, Madurai (13 July 2014) year of completed.DOA – Diploma in office automation in success software academy, vadipatty, Madurai (14 July 2016) year of completed. E- Tally - in success software academy, vadipatty, Madurai (12.06.2017) year of completed. IBM- International Business Management European University. Professional diploma programme 23.04.2021
Sakthi Arts and Science College for Women, Ottanchatram, Dindigul. ONE DAY NATIONAL LEVEL SEMIAR ON “STRATEGICAL SKETCHING OF POST PANDEMIC TRANSFORMATION IN INDAN TREND AND COMMERCE” In won paper presentation FIRST PRIZE and Best paper Award at 23.03.2021.
M.G.R Educational and Research Institute, Maduravoyal, Chennai. ONE DAY NATIONAL LEVEL ONLINE SYMPOSIM “MATHEMA 21” in Paper presentation winning 3rd Place At 05.05.2021.
He has published 58 papers published in international journal. Attended 52 webinars, paper presentation in 18 college national and international conference. Then 7 awars World record holder in AMIRTHAM 2021. Main area of specialization Commerce and Management. Finally total certificate is 205 it’s including quiz, webinar, pledge, workshops.
AWARDS ,
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Worldrecord holder
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This document analyzes the financial performance of three Pakistani banks (National Bank, Askari Bank, and Citibank) under the CAMELS framework from 2009-2011. It calculates various ratios related to capital adequacy, asset quality, management, earnings/profitability, liquidity, and market sensitivity. Overall, the analysis found that Citibank generally had better ratios indicating higher capital levels, fewer non-performing loans, higher returns on assets/equity, and stronger liquidity compared to the other two banks.
The Reserve Bank of India's Prompt Corrective Action framework provides guidelines for intervention when banks demonstrate weak financial performance based on capital, asset quality, profits, and losses. The framework specifies thresholds for capital ratios, non-performing assets, and returns on assets that trigger increasing restrictive actions by the RBI to restore financial health as a bank's condition deteriorates. As of March 2019, six public sector banks in India remained under PCA framework restrictions, down from a peak of twelve in early 2018, as government capital injections helped other banks improve their financial positions.
1) The document discusses credit profiles and ratings for small and medium enterprises (SMEs) in Asian emerging economies. It covers topics like the definition of credit profiles, constituents of credit profiles, credit rating migration, and problems faced by SMEs.
2) It provides details on credit rating processes in China and India, including common sources of financing for SMEs in China. Credit rating agencies that rate SMEs in India are also discussed.
3) Obtaining a credit rating can provide SMEs benefits like access to concessional funding from banks through lower interest rates and faster loan processing times. It can also help SMEs gain new business opportunities.
This document summarizes an article from the International Journal of Advanced Research in Management that assesses risk management in the Indian banking sector, with a focus on public and private sector banks. It provides context on risk management and non-performing assets (NPAs) in banking. The study analyzes trends in NPAs for public and private sector banks from 1992 to 2012 and examines capital adequacy ratios after the implementation of Basel II regulations from 2007 to 2012. The document reviews previous literature on risk management and NPAs and outlines the objectives and methodology of the research.
Non-performing assets (NPAs) refer to loans that are in default or close to being in default. NPAs have become a major issue for Indian banks and financial institutions, totaling over Rs. 1.1 trillion. The origin of rising NPAs lies in poor credit risk management practices in banks. To resolve NPAs, the government established asset reconstruction companies (ARCs) to purchase NPAs from banks and resolve them to enable banks to focus on core operations and lending. ARCs operate under the legal framework of the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act of 2002.
ARS on CAMELS- RATING OF BANKING SYSTEM IN INDIARakesh Bitla
1) The document analyzes the performance of private banks in India from 2007-2017 using the CAMEL model, which assesses Capital Adequacy, Asset Quality, Management Efficiency, Earnings, and Liquidity.
2) Under the CAMEL analysis, Axis Bank was ranked first, followed by ICICI Bank in second, Kotak Mahindra in third, HDFC Bank in fourth, and IndusInd Bank last.
3) The analysis evaluated key financial ratios for each bank within the five CAMEL categories and determined overall rankings, finding that Axis Bank demonstrated the strongest performance and financial soundness according to the CAMEL assessment.
SBI Corporate Bond Fund : Debt Mutual Fund - Apr 2016SBI Mutual Fund
This three sentence summary provides the key details about the SBI Corporate Bond Fund:
The SBI Corporate Bond Fund seeks to generate returns through investments in high quality corporate debt securities ranging from 80-100% of its portfolio, while maintaining up to 20% in low-to-medium risk money market instruments. The fund aims to offer reasonable returns to investors with a medium-term investment horizon and low risk appetite by actively managing a portfolio of corporate bonds and maintaining average credit quality of AA or higher. The fund manager aims to generate alpha through prudent credit selection and maintaining an average portfolio maturity of under 3 years.
This document discusses reforms to the Indian banking sector over time. It notes that initially 60% of the population lacked bank accounts, 90% of small businesses lacked formal loans, and NPAs exceeded 4% of total advances. Two committees in 1991 and 1998 made recommendations to improve the sector by increasing capital requirements, reducing government ownership, and improving asset quality. Subsequent reforms focused on financial inclusion, new bank licenses, payment systems, and dealing with distressed assets. The RBI governor outlined five plans to further reform the sector through monetary policy, banking system changes, financial inclusion, liberalization, and addressing financial distress.
CARE is a Credit Rating, Research and Information Services company promoted in 1993 by major banks/financial institutions (FIs) in India.
CARE’s operations can be divided into two divisions: Credit Rating and Research & Information Services. It offers a wide range of rating and grading services across a diverse range of instruments and industries and also provides general and customized industry research reports on subscription basis; however CARE’s rating business accounts for more than 98% of its revenue and profits.
Despite starting four years after ICRA, CARE is now the second largest credit rating agency in India in terms of revenue.
An empirical analysis on asset quality of public sector banks in india non p...chelliah paramasivan
This document discusses asset quality and non-performing assets (NPAs) in public sector banks in India. It defines key terms like gross NPAs, net NPAs, and classifications of assets. Gross NPAs include all non-performing assets, while net NPAs are calculated after deducting provisions. Assets are classified as substandard, doubtful or loss based on the period of being non-performing and recoverability. The document also discusses internal and external factors that can contribute to increasing NPAs and outlines prior literature on NPAs and financial reforms in India.
Care Ratings Ltd is an Indian credit rating agency established in 1993. It is the second largest credit rating agency in India with over 5,000 clients. The company earns high returns on equity of around 35% while employing little debt. It pays out a large portion of earnings in dividends, with a dividend payout ratio of 50% in FY2013. The management is led by an experienced CEO with over 33 years in the financial sector. At its current market cap of Rs. 1,500 crores, Care Ratings trades at a discount to its estimated fair value, providing a margin of safety.
A study on effect of liquidity management on profitability with select privat...Supriya Mondal
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CAMEL Analysis of top 5 public sector banks (12-3-2018)
1. 1 | P a g e
CAMELS MODEL ANALYSIS
OF
TOP 5 PUBLIC SECTOR BANKS IN INDIA.
DR T.DURGA PRASAD
(Guide to the project)
Associate professor
Aditya Global Business School
Surampalem, Kakinada.
M.V.V.RAGHURAM
PGDM –II Year student
Aditya Global Business School
Surampalem ,Kakinada.
ABSTRACT
Camel approach is significant tool to
assess the relative financial strength
of a bank and to suggest necessary
measures to improve weaknesses of
a bank. In India, RBI adopted this
approach in 1996 followed on the
recommendations of Padmanabham
Working Group (1995) committee.
In the present study, an attempt has
been made to rank the various
commercial banks operating in
India. The banks in India have been
categorized into Public sector,
Private sector, and Foreign banks.
The sample of selected banks
consists of top 5 Public Sector
banks. For the purpose of ranking,
CAMELS model approach has been
applied and incorparted.The
important parameters like Capital
Adequacy, Assets Quality,
Management Efficiency, Earnings
Quality and Liquidity. The finding
of the study shows that public sector
banks, viz. SBI,Bank of Borada
,PNB, Canara Bank and Indian bank
has been ranked at the top five
positions in their financial
performance during the study
period.
2. 2 | P a g e
INTRODUCTION :
CAMEL model of rating was first developed in the 1970s by the three federal banking
supervisors of the U.S (the Federal Reserve, the FDIC and the OCC) as part of the
regulators’ “Uniform Financial Institutions Rating System”, to provide a convenient
summary of bank condition at the time of its on-site examination. The banks were judged
on five different components under the acronym C-A-M-E-L:
C – Capital
Adequacy
A – Asset Quality
M – Management Soundness
E – Earnings Capacity and
L – Liquidity
The banks received a score of ‘1’ through ‘5’ for each component of CAMEL and a final
CAMEL rating representing the composite total of the component CAMEL scores as a
measure of the bank’s overall condition. The system of CAMEL was revised in 1996,
when agencies added an additional parameter ‘S’ for assessing “sensitivity to market risk”,
thus making it ‘CAMELS’ that is in vogue today.
Based on the recommendations of the Padmanbhan Committee, the commercial banks
incorporated in India are presently rated on the ‘CAMELS’ model (Capital adequacy, Asset
quality, Management, Earnings, Liquidity, and Systems & control), while foreign banks’
branches operating in India are rated under the ‘CALCS’ model (Capital adequacy, Asset
quality, Liquidity, Compliance, and Systems & control). As mentioned above, the
Committee had originally recommended a CACS model, which was subsequently modified
to also include Liquidity (L) as an additional parameter. Further modifications, in the form
comprising additional granularities in the rating scale of parameters under CAMELS have
since been introduced by RBI.
3. 3 | P a g e
CAMELS FRAMEWORK
CAPITAL ADEQUACY - C
Capital base of financial institutions facilitates depositors in forming their risk perception
about the institutions. Also, it is the key parameter for financial managers to maintain
adequate levels of capitalization. Moreover, besides absorbing unanticipated shocks, it
signals that the institution will continue to honour its obligations. The most widely used
indicator of capital adequacy is capital to risk- weighted assets ratio (CRWA).
The following ratios measure capital adequacy:
Capital Risk Adequacy Ratio:
CRAR is a ratio of Capital Fund to Risk Weighted Assets. Reserve Bank of India
prescribes banks to maintain a minimum Capital to risk-weighted Assets Ratio (CRAR) of
9 % with regard to credit risk, market risk and operational risk on an on- going basis, as
against 8 % prescribed in Basel documents.
Total capital includes Tier-I capital and Tier-II capital. Tier-I capital includes paid up equity
capital, free reserves, intangible assets etc. Tier-II capital includes long term unsecured
loans, loss reserves, hybrid debt capital instruments etc. The higher the CRAR, the stronger
is considered a bank, as it ensures high safety against bankruptcy.
CRAR = Capital/ Total Risk Weighted Credit Exposure.
ASSET QUALITY – A
Asset quality determines the healthiness of financial institutions against loss of value in the
assets. The weakening value of assets, being prime source of banking problems, directly
pour into other areas, as losses are eventually written-off against capital, which ultimately
expose the earning capacity of the institution.
EARNINGS & PROFITABILITY – E
Earnings and profitability, the prime source of increase in capital base, is examined with
regards to interest rate policies and adequacy of provisioning. In addition, it also helps to
support present and future operations of the institutions. The single best indicator used to
gauge earning is the Return on Assets (ROA), which is net income after taxes to total asset
ratio.
4. 4 | P a g e
1. Return on Asset:
Net profit to total asset indicates the efficiency of the banks in utilizing their assets in
generating profits. A higher ratio indicates the better income generating capacity of the
assets and better efficiency of management.
MANAGEMENT – M
Sound management is one of the most important factors behind financial institutions’
performance. Indicators of quality of management, however, are primarily applicable to
individual institutions, and cannot be easily aggregated across the sector.
LIQUIDITY – L
An adequate liquidity position refers to a situation, where institution can obtain sufficient
funds, either by increasing liabilities or by converting its assets quickly at a reasonable cost.
It is, therefore, generally assessed in terms of overall assets and liability management, as
mismatching gives rise to liquidity risk. Efficient fund management refers to a situation
where a spread between rate sensitive assets (RSA) and rate sensitive liabilities (RSL) is
maintained.
The liquidity of an institution depends on:
• The institution's short-term need for cash;
• Cash on hand;
• Available lines of credit;
• The liquidity of the institution's assets;
• The institution's reputation in the marketplace—how willing will counterparty is to
transact trades with or lend to the institution.
SENSITIVITY TO MARKET RISK – S
It refers to the risk that changes in market conditions could adversely impact earnings and/or
capital. Market Risk encompasses exposures associated with changes in interest rates,
foreign exchange rates, commodity prices, equity prices, etc
8. 8 | P a g e
Banks profitability to remain low: CRISIL
We expect fiscal 2018 to be another year of weak profitability due to higher NPAs ;continued
high level of provisioning; and continuous interest rate cuts over the last few quarters, which
has impacted the yield. Provisions, as a proportion of total assets, though lower from the
previous fiscal will still remain at high levels because of continued high level of slippages
and fresh provisioning. As a result, of the 21 PSBs, we expect some of them to still post
losses or very low profits. We expect provision and slippages for PSBs to be lower in fiscal
2018 from the previous fiscal and hence, its return on assets (ROAs) will improve to 0.04%
and turn positive from a negative ROA level in the previous fiscal. PSBs' ROA is further
expected to improve to0.2% in fiscal 2019.
Overall, ROA of the banking industry is also expected to improve 5-10 bps each over the two
fiscals from 0.3% in fiscal 2017. Hence, we expect the overall ROA of the banking industry
to reach ~0.5% level by the end of fiscal 2019. The marginal improvement in the ROA level
of overall banking industry is majorly because of PSBs' improved profitability over the next
two fiscals.
.
9. 9 | P a g e
Table 1: CAMEL rating for 5 public sector banks.
Capital Adequacy Banks 2017 2016 2015 2014 2013 Average Rank
SBI 13 13 12 13 13 12.75 2
Bank of
borada 13 13 13 12 13 12.8 3
PNB 12 11 13 12 13 12.2 4
Indian bank 14 13 13 13 13 13.2 1
Canara bank 13 11 11 11 12 11.6 5
Asset quality Banks 2017 2016 2015 2014 2013 Average Rank
SBI 0.33 0.42 0.4 0.34 0.36 0.37 3
Bank of
borada 0.42 0.41 0.39 0.33 0.36 0.38 4
PNB 0.28 0.21 0.27 0.24 0.27 0.25 1
Indian bank 0.32 0.62 0.7 0.56 0.68 0.58 5
Canara bank 0.28 0.35 0.29 0.35 0.36 0.33 2
Management
quality Banks 2017 2016 2015 2014 2013 Average Rank
SBI 0.022 0.025 0.038 0.389 0.53 0.246 1
Bank of
borada 0.198 0.174 0.227 0.199 0.341 0.228 2
PNB 0.023
-
0.0522 0.048 0.052 0.086 0.0314 5
Indian bank 0.075 0.077 0.114 0.103 0.178 0.109 3
Canara bank 0.02 -0.067 0.063 0.058 0.09 0.033 4
Earnings Ability Banks 2017 2016 2015 2014 2013 Average Rank
SBI 0.0038 0.0044 0.0063 0.006 0.009 0.0059 2
Bank of
borada 0.0019 -0.008 0.0047 0.0068 0.0081 0.0027 4
PNB 0.0018
-
0.0059 0.005 0.0061 0.0099 0.0034 3
Indian bank 0.0064 0.0034 0.0052 0.0061 0.0097 0.0062 1
Canara bank 0.0019 -0.005 0.004 0.004 0.006 0.0022 5
Liquidty Ability Banks 2017 2016 2015 2014 2013 Average Rank
SBI 0.75 0.76 0.76 0.77 0.76 0.76 5
Bank of
borada 0.86 0.85 0.86 0.86 0.86 0.86 2
PNB 0.86 0.82 0.83 0.82 0.81 0.83 4
Indian bank 0.83 0.87 0.87 0.86 0.87 0.86 1
Canara bank 0.84 0.086 0.86 0.85 0.86 0.85 3
10. 10 | P a g e
Table 2 : Composite ranking of Public Sector banks using CAMEL model
Bank C A M E L Average Rank
SBI 12.75 0.37 0.246 0.0059 0.76 2.82638 3
Bank of
borada
12.8 0.38 0.228 0.0027 0.86 2.85414 2
PNB 12.2 0.25 0.0314 0.0034 0.83 2.66296 4
Indian
bank
13.2 0.58 0.109 0.0062 0.86 2.95104 1
Canara
bank
11.6 0.33 0.033 0.0022 0.85 2.56304 5
FINDINGS OF THE STUDY :
❖ The higher capital adequacy which represents the banks are safer from
becoming insolvent ,vice versa .
❖ Asset quality which represents the portion of provisions to the
company with its total amount of loan.
❖ Management quality represents the money generated as a return with
money invested by share holders.
Bank Adequacy ratio
Indian bank(Highest Rank) 13.2
Canara bank(Least Rank) 11.6
Bank Asset quality ratio
PNB(Highest Rank) 0.25
Indian bank(Least Rank) 0.58
Bank Management quality ratio
SBI(Highest Rank ) 0.246
PNB(Least Rank ) 0.0314
11. 11 | P a g e
❖ Earnings ability measures bank profitability with respect to its total
assets.
❖ Liquidity ability shows the total deposits in proportion to the total
assests.
❖ The composite CAMEL rating shows that Indian bank is the best
ranking bank and Canara bank is the least ranking bank for the five
year period from 2013 to 2017.
REFERENCES :
• Kaur, H.V. (2010), Analysis of Banks in India- A CAMEL Approach, Global Business
Review, 11, pp.257- 280.(Theoretical framework)
• Mishra, S.K. (2012), Analyzing Soundness in Indian Banking: A
CAMEL Approach. Research Journal of Management Sciences, 1(3), 9-
14.
• www.Monetarycontrol.com(Top 5 pubic sector banks –financials for
ratios)
• www.CRISIL.com(For analyzing performance of public sector banks
for upcoming years.)
• Imported ratios from MS excel document for ratios calculations using
financial data from respective banks balance sheet and profit &loss
account.
• www.Google.com
Bank Earning ability ratio
Indian bank(Highest Rank) 0.0062
Canara bank (Least Rank ) 0.0022
Bank Earning ability ratio
Indian bank (Highest Rank) 0.86
SBI(Least Rank ) 0.76