CAMEL Analysis of Selected Scheduled Commercial Banks in India

The Indian banking sector has undergone significant changes over the past few decades, influenced by economic reforms, technological progress, and regulatory shifts. Scheduled Commercial Banks (SCBs) play a crucial role in the financial system by bridging the gap between depositors and borrowers. To evaluate their performance and stability, the CAMEL framework is widely employed. CAMEL represents Capital Adequacy, Asset Quality, Management Efficiency, Earnings Strength, and Liquidity. This paper offers a detailed analysis of selected Scheduled Commercial Banks in India using the CAMEL model, incorporating mathematical equations and empirical findings. The present study sheds light on the financial health of selected scheduled commercial banks in India, including public banks, private banks, foreign banks while providing valuable insights into their operational efficiency, risk management strategies, and profitability.