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This is a Quantitative Study study.

September 17, 2025Open Access

A Comparative Study of Public and Private Sector Banks in India Using the Camel Model

Key Points

Significant performance differences exist between public and private sector banks in India, influencing financial strategies.
Key metrics like capital adequacy and asset quality showed distinct trends for both banking sectors within the analyzed timeframe.
Analysis utilized the CAMEL model, applying statistical methods to four selected banks over a five-year period for robust insights.
These findings may help inform banking policy and investment decisions, highlighting the strengths and weaknesses of each sector.

Abstract

This research paper compares the performance of selected public and private sector banks in India using the CAMEL model, which evaluates banks based on Capital Adequacy, Asset Quality, Management Efficiency, Earnings, and Liquidity. Data for four banks (two public and two private) were collected over a five-year period from 2020 to 2024. Descriptive statistics, ranking, and the Mann-Whitney U Test were applied using SPSS to analyze and compare the financial indicators. The results reveal significant differences between the two sectors on several performance parameters, offering insights into the relative strengths of public and private sector banks. Keywords: CAMEL approach, Public Sector Banks, Private sector banks, Banking Performance, Capital Adequacy.

A Comparative Study of Public and Private Sector Banks in India Using the Camel Model

Key Points

Abstract

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