A COMPARATIVE STUDY OF PUBLIC AND PRIVATE SECTOR BANKS IN INDIA USING THE CAMEL MODEL

This research paper compares the performance of selected public and private sector banks in India using the CAMEL model, which evaluates banks based on Capital Adequacy, Asset Quality, Management Efficiency, Earnings, and Liquidity. Data for four banks (two public and two private) were collected over a five-year period from 2020 to 2024. Descriptive statistics, ranking, and the Mann-Whitney U Test were applied using SPSS to analyze and compare the financial indicators. The results reveal significant differences between the two sectors on several performance parameters, offering insights into the relative strengths of public and private sector banks. Keywords: CAMEL approach, Public Sector Banks, Private sector banks, Banking Performance, Capital Adequacy.