Performance-Analysis-of-Top-5-Banks-in-India

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Table of content

Chapter No.

Content List of Tables List of Figures Executive summary

Page No

1.

Introduction Overview of Banking Objective of study Research methodology Limitation of study

2.

Review of literature CAMELS Framework

3.

Company profile HDFC BANK SBI AXIS BANK IDBI ICICI BANK

4. 5.

Findings and conclusion Bibliography

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List of Tables
Table No. 3.1 3.2 3.3 3.4 3.5 3.6 3.7 Table Content Capital Adequacy ratio Earnings Per Share Net Profit Margin Return On Assets Credit Deposit Ratio Gross NPA Net NPA Page No.

List of Figures

Figure No. 3.1 3.2 3.3 3.4 3.5 3.6 3.7 3.8 3.9 3.10 3.11 3.12

Title

Page No.

HDFC BANK STATE BANK OF INDIA AXIS BANK IDBI BANK
ICICI BANK

Capital Adequacy ratio Earnings Per Share Net Profit Margin Return On Assets Credit Deposit Ratio Gross NPA Net NPA

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Executive Summery The banking sector has been undergoing a complex, but comprehensive phase of restructuring since 1991, with a view to make it sound, efficient, and at the same time it is forging its links firmly with the real sector for promotion of savings, investment and growth. Although a complete turnaround in banking sector performance is not expected till the completion of reforms, signs of improvement are visible in some indicators under the CAMELS framework. Under this bank is required to enhance capital adequacy, strengthen asset quality, improve management, increase earnings and reduce sensitivity to various financial risks. The almost simultaneous nature of these developments makes it difficult to disentangle the positive impact of reform measures.

CAMELS Framework

CAMELS’ norms are the supervisory framework consisting of risk-monitoring factors used for evaluating the performance of banks. This framework involves the analysis of six groups of indicators reflecting the health of financial institutions. The indicators are as follows:

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CAPITAL ADEQUACY ASSET QUALITY MANAGEMENT SOUNDNESS EARNINGS & PROFITABILITY LIQUIDITY SENSITIVITY TO MARKET RISK

The whole banking scenario has changed in the very recent past on the recommendations of Narasimham Committee. Further BASELL II Norms were introduced to internationally standardize processes and make the banking industry more adaptive to the sensitive market risks. Amongst these reforms and restructuring the CAMELS Framework has its own contribution to the way modern banking is looked up on now. The attempt here is to see how various ratios have been used and interpreted to reveal a bank’s performance and how this particular model encompasses a wide range of parameters making it a widely used and accepted model in today’s scenario. The project attempts to analyse the performance of Axis bank on the basis of CAMELS model and gives suggestions on the basis of the finding of the analysis. The overall strategy of Axis bank is also studied to gain a better understanding of the working of the bank and to identify its strength and weakness.

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Chapter-01

Introduction

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Without a sound and effective banking system in India it cannot have a healthy economy. The banking system of India should not only be hassle free but it should be able to meet new challenges posed by the technology and any other external and internal factors. For the past three decades India's banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India's growth process. The government's regular policy for Indian bank since 1969 has paid...
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