A Study On Financial Performance Analysis Of Commercial Banks, Company Union Bank

Abstract

                 In today’s scenario, the banking sector is one of the fastest growing sectors and a lot of funds are invested in Banks. Also today’s banking system is becoming more complex. So, there is a strong need to evaluate their performance of the banks. There are various models of evaluating the performance of the banks, but in this study we discussed about the CAMEL Model to evaluate the performance of the banks. This model measures the performance of the banks from parameter comprising of Capital adequacy, Assets quality, Management, Earnings and Liquidity, We have studied the performance of five banks selected on the basis of market capitalisation (i.e. UBI, HDFC Bank, ICICI Bank, Axis Bank and Kotak Mahindra Bank.). Period under study is from 2016-2016. After calculating ratios weightage have been given to each parameter of the CAMEL Model. From the weighted results of each ratio, we have given marks on the bases of the performance of the bank. On the basis of best overall performance, we have assigned ranks from 1 to 5 to the banks under study. As per the whole evaluation, the results of the study are as follows and we rank the banks as per the study results. 1^st Rank: HDFC Bank; 2^nd Rank : UBI Bank; 3^rd Rank : Kotak Mahindra Bank; 4^th Rank : ICICI Bank; 5^th Rank : AXIS Bank.