Financial Performance of Standard Chartered Bank and Kotak Mahindra Bank through CAMEL Model - A Comparative Study

Abstract

 Banking sector in India is a part of economic development of a nation to mobilize savings and to provide other general services through a large network of branches to meet tremendous competitiveness, growth and profitability etc. especially in the recent years. Therefore, the bank's performance needs to be evaluated depending upon various objectives that need to be achieved. As compared to other sectors, the banks required to pay more attention to balance the profitability and liquidity. Hence, the present study analyses and compares the financial performance of Standard Chartered Bank and Kotak Mahindra Bank as both the banks are big giants in foreign and private sector respectively. The present study evaluates the financial performance of these two banks for a period of five years from 2013-14 to 2017-18. It has been concluded that the Kotak Mahindra Bank has more capital adequacy ratio, return on assets, net NPA/NA, current ratio, profit per employee and business per employee compared to Standard Chartered Bank