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Asian Institute of Research, Journal Publication, Journal Academics, Education Journal, Asian Institute
Asian Institute of Research, Journal Publication, Journal Academics, Education Journal, Asian Institute

Economics and Business

Quarterly Reviews

ISSN 2775-9237 (Online)

asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
open access

Published: 28 May 2024

Analyzing the Financial Performance of Commercial Banks in India: Camel Model on YES Bank & SBI And Lakshmi Vilas Bank & DBS Bank India Ltd.

Reena Rani Bansal, N. P. Singh

MVN University, India

asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, management journal

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Pages: 128-150

Keywords: Capital Adequacy, Assets Quality, Management Risk, Earnings, Liquidity, CAMEL Model, PRISMA Model


A bank plays an important role in maintaining the economical condition of the country. Sound financial position of a bank is the guarantee not only to its depositors but is equally significant for shareholders, employees and whole economy as well. This study analyzes the financial performance of YES Bank & SBI, Lakshmi Vilas Bank (LVB) & DBS Bank India Ltd (DBIL) for the period of 2009 – 2020 by using CAMEL Model. The findings of this research reveal that net NPA (Non Performing Assets) and more advances are the major reasons for YES bank crisis. YES bank performs well up to 2017 but after that it begins to fall in terms of interest income, net profits etc., in 2020 its profit shows negative value. On the other hand, bad loans and capital inadequacy are the major reasons for failure of Lakshmi Vilas Bank (LVB) as its NPA and Advances increased excessively during the period of study.


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