A Study And Analysis Of Financial Strength Performance And Liquidity Of Syndicate Bank
DOI:
https://doi.org/10.61841/qpe7a539Keywords:
Banking, Efficiency, Camel Model,, Financial PerformanceAbstract
The banking business in India is the backbone of the country's economy. The Indian banking sector includes cooperative, commercial, nationalised, private, and internationalised banks. The goal of this study is to apply the CAMEL model to analyse the Syndicate Bank's financial performance. The CAMEL model is a widely used method for evaluating the performance of banking units in the United States and throughout the globe. Outside the subcontinent of India In the United States, the CAMEL rating system was developed tocategorise supervisory rating systems.The overall status of the bank This model evaluates the performance of financial institutions (approximately). On all main factors such as capital adequacy, assets, and liquidity, 8,000 entities (primarily banks) were evaluated. The first five components are quality, management efficiency, earning quality, and liquidity, with market risk as the sixth. It was added in 1997. The study is based on secondary data from the annual reports of Syndicate Bank. The data from FIVE years is analysed with the purpose of assessing it by calculating various ratios. Average, standard deviation, coefficient of variation, and other statistical tools, according to the CAMEL rating. A correlation is also calculated. The Syndicate bank's total capital adequacy level was found. The managerial effectiveness was also excellent. However, the bank's total earning capacity was excellent. The liquidity position was bad in general.
Downloads
References
1. Desai, V. (1987). “Indian Banking Nature and Problems”. Himalaya Publishing House. New Delhi. P. 72-98
2. Gordon, E. and Gupta, P. K. (2012). “Banking and Insurance”. Himalaya Publishing House. pp.43-44.
3. Gap, B.E. and Korari, J.W. (2011). “Commercial Banking: The management of risk”. Third Edition. John Wiley & Sons (Asia) Pad. Ltd. Singapore.
4. Hendrickson, E. (1984). “Accounting theory”. Kholo Publishing House, New Delhi. P. 136
5. Hanna, PK and Road, P (2011). “Principles and Practice of Bank Management”. Himalaya Publishing House. New Delhi 18927
International Journal of Psychosocial Rehabilitation, Vol. 24, Issue 06, 2020 ISSN: 1475-7192
6. Koehler, E. (1979). “A dictionary for accounts”.4th Edition, Prentice-Hall of India Pvt. Ltd. New Delhi. P. 315.
7. McFarland, D. (1974). “Management Principles and Practices”. Published by McMillan, New York. pp. 315-316
8. Pander, I.M (2011). “Financial management”. Himalaya Publishing House, New Delhi.
9. Pataki, B. (2012). “The Indian Financial System”. 2nd Ed, Dorling Kindersley (India) Pvt. Ltd. Naiad.
10. Pataki, BV (2012). The Indian Financial System.3rd Ed, Published by Dorling Kindersley (India) Pvt. Ltd. 141
11. Tripathi, P. (1991). “Research Methodology”. Sultan Chand & Sons, New Delhi. P.108
12. Vasant, D. (2005). “Indian Financial System”. Himalaya Publishing House. P.162
13. Reference journals
14. Albanese, R. (1978). “Managing towards accountability for performance”. Richard D. Irwin Inc. Home Wood. pp. 13-14
15. Ally, Z. (2013). “Comparative analysis of financial performance of commercial in Tanzania”. Research Journal of Finance and Accounting. 4 (19).pp. 133143
16. Gupta, M. Vashisht, A. and Sharma, M. (2014). “Economic Value Added Vis-à- vis other performance measures: Application to banks”. Indian Institute of Finance. 28 (4). pp. 1229-1238.
17. Gupta, M. (2014). “Financial Indicators and performance evaluation of banks”. Indian Journal of Commerce.6 (4). pp. 68-77
18. Gupta, S. (2012). “An empirical study of financial performance of ICICI bank- A comparative analysis”. IITM Journal of Business Studies. 1. (1). Pp. 20-32
19. Gupta, S. and Kaur, J. (2014). “A comparative study of the performance of selected Indian private and public sector Banks”. The IUP Journal of Bank Management.13 (2). pp. 65-83
20. Ibrahim, M. (2015). “A comparative study of financial performance between Conventional and Islamic banks in United Arab Emirates”. International Journal of Economics and Financials Issues. 5 (4).pp. 868-874.
21. Kharti, S. (2012). “Comparative financial analysis of three banks of India”. An unpublished article. 142
22. Malhotra, N. and Aspal, P.K. (2014). “Performance measurement of new private sector banks in India”. Indian Journal of Commerce.67 (2). pp. 23-37
23. Misra, P. and Yadav, A. (2015). “A comparative study on financial performance of SBI and ICICI Banks”. Indian Journal of Commerce. 68 (2).pp. 64-70
24. Moniska, H and Singla, S. (2012). “Performance evaluation of private banks in
India”. Indian Journal of Commerce.65 (4). pp. 39-51
25. Nimalathasan, B. (2008). “A comparative study of financial performance of banking sector in Bangladesh- An application of CAMEL rating”. Annal University of Bucharest, Economies and Administrative series. No-2.pp.141-152
26. Pandey, P. and Singh, S. (2015). “Evaluating the performance of commercial banks in India using Malmquist and DEA Approach: Some evidence”. The IUP Journal of Bank Management.14 (2). pp. 22-25
27. Rao, M. (2014). “An analysis of the performance of private and public sector banking systems”. International Journal of Business and Administration Review. 2
(5). pp. 104-109 18928 International Journal of Psychosocial Rehabilitation, Vol. 24, Issue 06, 2020 ISSN: 1475-7192
28. Ray, C and Mohan, T. (2004). “Comparing performance of Public and Private sector banks: A revenue maximization efficiency approach”. Economic and
Political Weekly. 39 (12). pp. 1271-1276.
29. Rustam, A. and Rashid, K. (2015). “A comparative study of the performance of local and foreign banks in Pakistan: Some ANNOVA Model”. The IUP Journal of Bank Management. 14(1). pp. 8-20
30. Selvakumar, M. and Aruna, G. (2013). “Performance evaluation of Regional Rural banks in India”. Indian Journal of Commerce. 66 (1). pp. 84-93
31. Singh, A. and Tandon, P. (2012). “A study of financial performance: A comparative analysis of SBI and ICICI Banks”. International Journal of
Marketing, Financial services and Management Research. 1(1). pp.65-71 143
32. Tandon, P and Singh, A. (2012). “A study of financial performance: A comparative analysis of SBI and ICICI bank”. International journal of marketing, financial services and management research. 1. (14). Pp.56-71
33. Walia, K. and Kaur, P. (2013). “Performance evaluation of the Indian banking sector”: A study of selected commercial banks. The IUP Journal of Bank Management. 14 (2). pp. 39-47
34. Webb, R. and Kumbirai, M. (2010). “A financial ratio analysis of commercial banks performance in South Africa”. African review of Economics and Finance”. 2(1). pp. 30-53
Downloads
Published
Issue
Section
License
This work is licensed under a Creative Commons Attribution 4.0 International License.
You are free to:
- Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
- Adapt — remix, transform, and build upon the material for any purpose, even commercially.
- The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
- Attribution — You must give appropriate credit , provide a link to the license, and indicate if changes were made . You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation .
No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
