camel rating
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Presented by:- Ankit GuptaArvind YadavBudhdev SinghNiraj Jaiswal
Presented to:-Prof. Manmeet Sir
Type PublicIndustry Banking, Financial servicesFounded July 1964Headquarters Mumbai, IndiaKey people R M Malla (CMD)Products Credit cards, consumer banking,corporate
banking, finance and insurance, investment banking,mortgage loans, private banking,private equity, wealth management
Revenue 20,858 crore (US$4.16 billion)(2011)
Net income 1,563 crore (US$311.82 million)(2011)
Total assets 253,116 crore (US$50.5 billion)(2011)
Employees 14,000 (2011)Website www.idbi.com
Type Public (BSE: 532477)
Industry Financial services
Headquarters Mumbai, India
Key people D. Sarkar (Chairman & MD)
Revenue 18,491 crore (US$3.69 billion)(2011)
Net income 2,081 crore (US$415.16 million)(2011)
Employees 27,746 (2011)
Website www.unionbankofindia.co.in
Type Public
Industry Banking, Financial services
Founded 1950Headquarters Kolkata, West Bengal, IndiaKey people Bhaskar Sen. (Chairman & MD)
Products Finance and insurance, Consumer Banking, CorporateBanking, Investment Banking, Investment Management,Private Equity, Mortgages, Credit Cards
Owner(s) Government of IndiaEmployees 15,285 (2011)Website www.unitedbankofindia.com
Type Public
Industry Banking, Financial servicesFounded 1943
Headquarters Kolkata, West Bengal, India
Key people Shri Arun Kaul Chairman & Managing Director
Products Finance and insurance, Consumer Banking, CorporateBanking, Investment Banking, Investment Management,Private Equity, Mortgages, Credit Cards
Branches 2150 branches
Employees 15,285 (2011)
Website www.ucobank.com
The CAMEL rating system is a method of evaluating the health of credit unions by the National Credit Union Administration(NCUA). The rating, adopted by the NCUA in 1987, is based upon five critical elements of a credit union's operations:(C) Capital(A) Asset quality(M) Management(E) Earnings(L) asset Liability managementThis rating system is designed to take into account and reflect all significant financial and operational factors examiners assess in their evaluation of a credit union's performance. Credit unions are rated using a combination of financial ratios and examiner judgment.
CAPITAL ADEQUACY RATIO
BANK Mar '11 Mar '10 Mar '09 Mar '08 Mar '07 Avg rank
Union Bank of India 12.95 12.51 13.27 12.51 12.8 13 1
IDBI Bank 13.64 11.31 12.07 11.95 13.73 13 3United Bank of
India 13.05 12.8 13.28 11.88 12.02 13 2
UCO Bank 13.71 13.21 11.93 10.09 11.56 12 4
CAR=tier1+tier2/risk weighted assets
DEBT EQUITY RATIO
BANK Mar '11 Mar '10 Mar '09 Mar '08 Mar '07 AVG RANK
Union Bank of India 17.487 17.722 17.417 15.886 18.78 17 2
IDBI Bank 16.393 21.978 17.294 13.814 11.51 16 1
United Bank of India 16.93 18.731 19.158 19.407 16.52 18 3
UCO Bank 21.023 25.354 27.22 29.685 27.12 26 4
DER=total outside liability /net worth
ADVANCE TO ASSETS RATIO
BANK Mar '11 Mar '10 Mar '09 Mar '08 Mar '07 AVG RANK
Union Bank of India 0.639 0.61 0.599 0.599 0.607 0.6 2
IDBI Bank 0.62 0.591 0.599 0.629 0.601 0.6 3United Bank of
India 0.594 0.549 0.57 0.512 0.523 0.5 4
UCO Bank 0.606 0.6 0.616 0.613 0.627 0.6 1
AAR= total advances/total assets
RATIO Union Bank of
India IDBI BankUnited Bank of
India UCO BankCAPITAL ADEQUACY RATIO 1 3 2 4
DEPT EQUITY RATIO 2 1 3 4ADVANCE TO ASSETS RATIO 2 3 4 1NET NPA TO NET ADVANCES 1 2 3 4NET INTREST MARGINE TO TOTAL ASSETS 1 4 2 3INTREST INCOME TO TOTAL ASSETS 1 4 3 2
TOTAL CUMMULATIVE 8 17 25 18
POSITION OF BANKS 1st 2nd 4th 3rd
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