CAMEL is a more broad system of organizational analysis as compared to merely financial analysis of the banking system when commenting on the performance evaluation of this sector as a whole. This paper analyzes the performance of Indian Banks during the global financial crisis on the basis of CAMEL framework. Though the net profit had increased for most of the private sector banks, unlike the public sector banks but still all private sector banks show increasing gross NPA during the period 2007–2009. The Banks were well capitalised and maintained a high credit to deposit ratios. However NPA ratios for the banks increased during the time period owing to the fact that the crisis entailed a decline in the quality of assets due to which the gross NPA ratios increased.
Capital adequacy, Asset quality, Management, Earning quality, Liquidity
