A Comparative Assessment of Camel Ratios

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Abstract The Indian banking sector faces persistent concerns due to loan recovery and losses, a trend since 1980. The CAMEL model has proven effective in tracking bank performance, evaluating financial stability, safety, and efficiency. This project examines the application and role of the CAMELS model in supervising State Bank of India (SBI) and Punjab National Bank (PNB). It identifies the merits and demerits of the CAMELS system using secondary data analyzed in MS Excel. The study, a combination of qualitative and quantitative methods, posits that the CAMELS rating system is beneficial for Indian banks, aiding audits, performance comparisons, and on-site/off-site evaluations.
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A Comparative Assessment of Camel Ratios | Research Square window.SnipcartSettings = { analytics: { enabled: false } }; (function() { var accessVector = localStorage.getItem('access_vector') || ''; window.dataLayer = window.dataLayer || []; if (accessVector) { window.dataLayer.push({ user: { profile: { profileInfo: { snid: accessVector } } } }); } })(); (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-K279D39R'); Browse Preprints In Review Journals COVID-19 Preprints AJE Video Bytes Research Tools Research Promotion AJE Professional Editing AJE Rubriq About Preprint Platform In Review Editorial Policies Our Team Advisory Board Help Center Sign In Submit a Preprint Cite Share Download PDF Research Article A Comparative Assessment of Camel Ratios Kirti Sunil Bidnur This is a preprint; it has not been peer reviewed by a journal. https://doi.org/ 10.21203/rs.3.rs-6816541/v1 This work is licensed under a CC BY 4.0 License Status: Posted Version 1 posted You are reading this latest preprint version Abstract The Indian banking sector faces persistent concerns due to loan recovery and losses, a trend since 1980. The CAMEL model has proven effective in tracking bank performance, evaluating financial stability, safety, and efficiency. This project examines the application and role of the CAMELS model in supervising State Bank of India (SBI) and Punjab National Bank (PNB). It identifies the merits and demerits of the CAMELS system using secondary data analyzed in MS Excel. The study, a combination of qualitative and quantitative methods, posits that the CAMELS rating system is beneficial for Indian banks, aiding audits, performance comparisons, and on-site/off-site evaluations. Finance Banking Law CAMEL Ratios Bank Regulation Financial Stability Banking Supervision Financial Performance Risk Management Capital Adequacy Asset Quality Liquidity Management Earnings Quality Comparative Analysis Financial Institutions Full Text Additional Declarations The authors declare no competing interests. Cite Share Download PDF Status: Posted Version 1 posted You are reading this latest preprint version Research Square lets you share your work early, gain feedback from the community, and start making changes to your manuscript prior to peer review in a journal. As a division of Research Square Company, we’re committed to making research communication faster, fairer, and more useful. We do this by developing innovative software and high quality services for the global research community. Our growing team is made up of researchers and industry professionals working together to solve the most critical problems facing scientific publishing. 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