A camel model analysis of selected public and private sector banks in India

Banking is one of the fastest growing sectors in India. Banking sector helps in boosting capital formation, innovation and monetization along with facilitation of monetary policy. Not only the depositors treat sound financial health of a bank as the guarantee but it is equally significant for the shareholders, employees and whole economy of a country as well. The present study measures the financial health of top public sector and private sector banks operating in India using CAMEL Analysis. In the study, seven public sector bank namely State Bank of India, Bank of Baroda, Bank of India, PNB Bank, Union Bank of India, Canara Bank and IDBI Bank and four private sector Banks namely ICICI Bank, HDFC Bank, AXIS Bank and Indusind Bank have been selected as a sample. Data used for the study pertains from 2013–14 to 2016–17 and has been collected from the annual reports of respective banks. To study every major variable use of various ratios have been made which helps to analyze the variable in better way.