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CAMEL vs CAMELS

Analysis of off-site returns are carried out individual bank wise, bank group wise, peer group wise, industry wide, sectoral level etc. along with sensitivity to fluctuation in interest rates. The basic framework for analyses of off-site returns is on the CAMELS pattern. However, data on management / systems & control are not collected except for a number /aging of unreconciled entries in inter-branch adjustment account and accounts with banks in India / overseas.

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