The Analyst has come up with a special issue on the banking industry for a third consecutive year. To assess Indian banks, The Analyst adopted the world-renowned CAMEL model (with minor modifications). The reason being, the CAMEL model is simple and makes it easy to compare a wide range of banks present in INDIA. CAMEL Stands for Capital Adequacy, Asset Quality, Earnings Quality, Liquidity. In the consecutive banking special issues, The Analyst has ranked the banks in each parameter, based on the average individual rank a bank achieved for each ratio. Also, in this issue, The Analyst has categorized the banks into public sector banks, private banks and foreign banks. Apart from analyzing the banks and foreign banks on each of the ratios based on the CAMEL model. The Analyst also provided additional information like Total Assets on each of these banks. Capital Adequacy reflects the overall financial condition of the banks and also the ability of the management to meet the need for additional capital. it reflects a bank's leverage. The prime motto behind measuring the asset quality is to ascertain the component of non-performing assets as a percentage of the total assets. In addition, the parameter also ascertains the NPA movement and the amount locked up in investments as a percentage of the total assets. Management involves a subjective analysis for measuring the efficiency of the management. To measure the efficiency of the management we used parameters like profit per branch, business per employee and advances to deposits.
[...] Abu Dhabi Commercial Bank Ltd American Express Bank Antwerp Diamond Bank Arab Bangladesh Bank Bank International Indonesia Bank of America Bank of Bahrain & Kuwait Bank of Ceylon Bank of Nova Scotia Bank of Tokyo Mitsubishi UFJ Barclays Bank BNP Paribas Calyon Bank ChinaTrust Commercial Bank Cho Hung Bank Citibank DBS Bank Deutsche Bank HSBC (Hongkong & Shanghai Banking Corporation) JPMorgan Chase Bank Krung Thai Bank Mashreq Bank Mizuho Corporate Bank Oman International Bank Société Générale Standard Chartered Bank State Bank of Mauritius Taib Bank BOARD OF DIRECTORS Central Board Of State Bank Of India (As on 30th July 2008) Chairman MD & GE Capital adequacy ratio: Capital Adequacy reflects the overall financial condition of the banks and also the ability of the management to meet the need for additional capital. [...]
[...] COMPANY PROFILE EVOLUTION OF SBI The origin of the State Bank of India goes back to the first decade of the nineteenth century with the establishment of the Bank of Calcutta in Calcutta on 2 June 1806. Three years later the bank received its charter and was re-designed as the Bank of Bengal January 1809). A unique institution, it was the first joint-stock bank of British India sponsored by the Government of Bengal. The Bank of Bombay (15 April 1840) and the Bank of Madras July 1843) followed the Bank of Bengal. [...]
[...] To analyze the financial performance of State Bank of India To know the Efficiency of the Bank considering CAMEL Model RESEARCH METHODOLOGY Research design: Analytical Data sources: Secondary data Secondary Data: Most of the calculations are made on the financial statements of the Bank and the bank provided financial statements for five years. Through Internet (www.sbi.co.in). CAPITAL ADEQUACY RATIO Capital Adequacy reflects the overall financial condition of the banks and also the ability of the management to meet the need for additional capital. [...]
[...] DATA : GRAPH : Interpretation : Business per employee is gradually increasing from year to year.i.e., in 2003(19077), 2004(21056), 2005(24308), 2006(29923), 2007(35700).It shows that efficiency of all the employees of a bank Return on Net worth: It is a measure of the profitability of a company. PAT is expressed as percentage of Average Net Worth. DATA : Year PAT Average Net Ratio worth GRAPH : Interpretation: The Return on Net worth is in fluctuation. i.e., in 2004( 15.589 2005( 15.592 2006( 15.500 2007( 15.796 2008( 15.914 ).It shows that profitability of a company is also in fluctuation. [...]
[...] DATA : Year Non-interest Total Income Ratio income GRAPH : Interpretation: In the period 5 years study the Non-Interest Income /Total Income ratio is gradually decreasing from 2004-2008.In 2004 ( 0.755 ) ( 0.734 ) ( 0.774 2007( 0.788 ) ( 0.826 LIQUIDITY : Liquidity assets/demand deposits: This ratio measures the ability of a bank to meet the demand from demand deposits its in a particular year. It is arrived at by dividing liquid assets by total demand deposits. Liquid assets include cash in hand, balance with RBI, balance with other banks (both in India and abroad), and money short notice. [...]
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