CAMEL ANALYSIS ON BANKING

SECTOR

Project submitted to

H & G H Mansukhani Institute of Management

in partial fulfillment of the requirements for

Master in Management Studies

By

SATNATHI DIPIKA
Roll No: 53
Specialization: FINANCE
Batch: 2012 - 2014

Under the guidance of

PROF. ANJU SAWLANI

CAMEL ANALYSIS ON BANKING
SECTOR
Project submitted to

H & G H Mansukhani Institute of Management

in partial fulfillment of the requirements for

Master in Management Studies

By

SATNATHI DIPIKA
Roll No: 53
Specialization: FINANCE
Batch: 2012 - 2014

Under the guidance of

PROF. ANJU SAWLANI

 H & G H Mansukhani Institute of Management
Ulhasnagar
April 2014

Student’s Declaration

I hereby declare that this report submitted in partial fulfillment of the requirement of
MMSDegree of University of Mumbai to H & G H Mansukhani Institute of
Management. This is my original work and is not submitted for award of any degree
or diploma or for similar titles or prizes.

Name : Satnathi Dipika

Class : S.Y.MMS

Roll No. : 53

Place : Ulhasnagar

Date :

Students Signature:
 Certificate

This is to certify that the project submitted in partial fulfillment for the award of MMS
degree of University of Mumbai to H & G H Mansukhani Institute of Management is a
result of the bonafide research work carried out by Ms. SATNATHI DIPIKA under
my supervision and guidance, no part of this report has been submitted for award of
any other degree, diploma or other similar titles or prizes. The work has also not
been published in any journals/Magazines.

Date:

Place: Ulhasnagar

Director

Dr. Swati Sable

FacultyGuide

Prof. Anju Sawlani

Sr.No. Particulars Page No.
1. Executive Summary 1
2. Introduction To Banks 2
 The Banking Sector Reforms 4
 Basel Norms 6
 Major Changes In Basel Norms 11
 Comparison of Capital 13
Requirements under Basel II &
Basel III

3. Camels Framework 14
15
 C- Capital Adequacy
17
 A – Asset Quality
20
 M – Management
22
 E – Earning & Profitability
25
 L – Liquidity
 S – Sensitivity To Market Risk 28

4. Literature Review 31

5. Research Methodology 35

6. Data Interpretation & Analysis 38

 Bank Profile
 Ratios Related To Bank
 Performance Highlight
7. Bibliography 53
8. Annexure 54