Camel Model Analysis of District Central Cooperative Banks (DCCBs) in Punjab: A Case Study of The Jalandhar Central Cooperative Bank Ltd.

In India, banks have gained a unique position in economy due to its role as creator of money, depositors of public savings and allocator of credit. Banks play an important role in the development of economy. They are replica of all economic activities of the country. Evaluation of a bank's performance is necessary to analyze its internal strength. In the present study, an attempt has been made to analyze the performance of Jalandhar Central Cooperative Bank Ltd. with the help of CAMEL Model. The performance of the bank has been examined on the five parameters i.e. Capital Adequacy, Asset Quality, Managerial Efficiency, Earning capacity and Liquidity. For the purpose of study, secondary data for four years (2011–2014) has been taken from annual reports of bank and data bank of cooperative societies of Punjab. Two statistical tools i.e. mean and standard deviation has been used for the analysis of data. It has been found that The Jalandhar Central Cooperative Bank Ltd. was performing well in all the five parameters of CAMEL Model.