Assessment of Select Indian Commercial Banks Using Camel Model with Social Banking

Abstract

Banking stability has a direct impact on the real output and employability which revolves around the financial stability of an economy (Rajput and Goyal, 2019). Banking is a highly sensitive sector. To survive the intense competition, there is a need for the adoption of the latest technology, continuous innovation in the products, and focus on investors’ interests, etc (Khuntia & Pradhan 2019). It is obligatory to un­dertake periodic monitoring, supervision, and regulation of commercial banks to make sure that they are financially healthy and sound (Desta, 2016). The CAMEL model was chosen for banks’ performance evaluation. Performances are also measured in terms of Social Banking. 4 Banks, SBI and BoB from the Public sector and ICICI and HDFC in Private Sector, have been selected for the study. In the overall performance under the CAMEL Model, HDFC Bank is the best while in the Social Banking aspect the performances of SBI and BoB are appreciable.