FINANCIAL ANALYSIS OF HSBC BANK USING CAMELS MODEL

This study assesses the financial performance of HSBC Holdings plc using the CAMELS model over a five-year period (2019-2023). Key areas analyzed include capital adequacy, asset quality, management efficiency, earnings, liquidity, and sensitivity to market risks. Findings show HSBC maintains a strong capital position, improved asset quality, and increasing revenue per employee, indicating operational efficiency. Earnings and liquidity have strengthened post-pandemic, reflecting better financial resilience. Sensitivity to market risks has also improved. The study concludes that HSBC remains financially stable but should continue focusing on profitability, cost efficiency, and sustainable banking initiatives.