Camel rating scanning (CRS) of SBI groups

Indian financial system has passed through second generation reforms by giving emphasis on individual upgradation, strengthening internal system, attention to different prudential norms viz capital adequacy, containment of NPA, functional antennary and systemic improvements towards effecting credit delivery system. It can be done only through proper supervisory and regulatory mechanism. The CAMEL Methodology has been developed and practised by the North American bank regulators to assess the financial and managerial soundness of US commercial banks. Subsequently Basel committee on banking supervision (BCBS) has been created in 1974 and they also accept the CAMEL as uniform financial institution rating system to evaluate and monitor the banks. In India is adapting the Basel I & II norms in total so has to ensure the better financial standing of own banks & financial Institutions. This paper empirically tested the applicability of CAMEL norms and its consequential impact on the performance of SBI Groups.