Camel Analysis For Indian Banks
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Capital Adequacy Parameter
2006
Capital Adequacy Ratio
2005 2004 2003 2002
ICICI Tier 1 Tier 2 13.35 9.2 4.15 11.78 7.59 4.19 10.36 6.09 4.27 11.1 7.05 4.05 11.44 7.47 3.97
ICICI
Debt equity ratio
2006 2005 2004 2003 2002
SBI 0.23 0.34 0.45 0.69 1.52
ICICI
Advances to total Asset ratio
Govt. Securities to total Investment Ratio
2006 2005 2004 2003 2002
2006 2005 2004 2003 2002
HDFC 1.11 0.80 0.66 0.54 0.61
SBI 0.58 0.54 0.50 0.49 0.45
ICICI
0.54 1.06 0.86 1.02 1.04
HDFC 0.53 0.44 0.39 0.37 0.35
SBI 0.72 0.68 0.70 0.72 0.63
SBI Tier 1 Tier 2 11.88 9.36 2.52 12.45 8.04 4.41 13.53 8.34 5.19 13.5 8.81 4.69 13.35 9.22 4.13
0.48 0.50 0.42 0.39 0.29
HDFC 0.86 0.89 0.87 0.85 0.82
0.69 0.58 0.60 0.47 0.44
535 cr in Subsid
2860 cr in Sub ICICI
ter HDFC Tier 1 Tier 2 11.41 8.55 2.86 12.16 9.6 2.56 11.66 8.03 3.63 11.12 9.49 1.63 13.93 10.81 3.12
535 cr in Subsidiaries - HDFC
2860 cr in Subsidiaries ICICI
Asset Quality ICICI
Net NPA to Net Advances(%)
2006 2005 2004 2003 2002
SBI 0.72 1.65 2.21 5.21 5.48
1.87 2.65 3.48 4.5 5.63
Net Non Performing assets is the Gross NPA minus gross provision made, unrealised interest and unadjusted credit balances with regard to various NPA accounts.
Total NPA Growth Rate
ICICI SBI 2006 -19.8% -16.7% 2005 -9.1% -1.7% 2004 -39.4% -6.2% 2003 0.3% -12.8% 2002 1124.9% -2.5%
HDFC 0.44 0.24 0.16 0.37 0.5
e, unrealised interest and HDFC 15.9% 30.9% 26.4% 19.1% 51.8%
Management Quality parameter
Market Value to Equity Capital
ICICI SBI HDFC 2006 3.53 2.37 6.36 2005 3.97 1.98 4.89 2004 3.26 1.70 5.52 2003 2.50 1.65 4.64 2002 1.31 0.98 3.18
Total Advances to Total Deposits
ICICI SBI HDFC 2006 0.89 0.69 0.63 2005 0.92 0.55 0.70 2004 0.92 0.50 0.58 2003 1.11 0.47 0.53 2002 1.47 0.45 0.39
Business/Employee (cr)
Profit/Employee(cr)
2006 2005 2004 2003 2002
ICICI SBI HDFC 9.05 2.99 7.58 8.8 2.43 8.06 10.1 2.1 8.66 11.2 1.91 8.65 4.86 1.73 7.78
2006 2005 2004 2003 2002
ICICI SBI HDFC 0.10 0.02 0.07 0.11 0.02 0.09 0.12 0.02 0.09 0.11 0.01 0.1 0.05 0.01 0.1
Earnings Quality ICICI
Operating Profit by Average Working Funds
Net Profit to Average Assets
2006 2005 2004 2003 2002
2.39 2.18 2.09 2.49 2.14
ICICI 2006 1.21% 2005 1.36% 2004 1.40% 2003 1.13% 2002 0.41%
ICICI
Interest Income to Total Income
2006 2005 2004 2003 2002
0.73 0.73 0.75 0.75 0.78
ICICI
Non Interest Income to Total Income
2006 2005 2004 2003 2002
0.27 0.27 0.25 0.25 0.22
SBI
HDFC 7.19 7.7 7.99 9.1 9.01
SBI
7.11 6.85 7.28 7.89 3.12
HDFC 0.92% 1.39% 0.99% 1.42% 0.94% 1.40% 0.86% 1.43% 0.73% 1.51%
SBI
HDFC 0.83 0.82 0.80 0.83 0.88
SBI
0.79 0.81 0.84 0.81 0.84
HDFC 0.17 0.18 0.20 0.17 0.12
0.21 0.19 0.16 0.19 0.16
Liquidity parameter ICICI
Liquid Assets to Total Assets
2006 2005 2004 2003 2002
0.068 0.077 0.067 0.060 0.122
ICICI
Liquid Assets To Total Deposits
2006 2005 2004 2003 2002
0.103 0.130 0.124 0.135 0.399
er SBI 0.090 0.085 0.107 0.120 0.186
HDFC 0.094 0.087 0.084 0.104 0.145
0.117 0.107 0.137 0.153 0.240
HDFC 0.124 0.123 0.117 0.142 0.196
SBI
2006
Capital Adequacy Ratio
2005 2004 2003 2002
ICICI Tier 1 Tier 2 13.35 9.2 4.15 11.78 7.59 4.19 10.36 6.09 4.27 11.1 7.05 4.05 11.44 7.47 3.97
ICICI
Debt equity ratio
2006 2005 2004 2003 2002
SBI 0.23 0.34 0.45 0.69 1.52
ICICI
Advances to total Asset ratio
Govt. Securities to total Investment Ratio
2006 2005 2004 2003 2002
2006 2005 2004 2003 2002
HDFC 1.11 0.80 0.66 0.54 0.61
SBI 0.58 0.54 0.50 0.49 0.45
ICICI
0.54 1.06 0.86 1.02 1.04
HDFC 0.53 0.44 0.39 0.37 0.35
SBI 0.72 0.68 0.70 0.72 0.63
SBI Tier 1 Tier 2 11.88 9.36 2.52 12.45 8.04 4.41 13.53 8.34 5.19 13.5 8.81 4.69 13.35 9.22 4.13
0.48 0.50 0.42 0.39 0.29
HDFC 0.86 0.89 0.87 0.85 0.82
0.69 0.58 0.60 0.47 0.44
535 cr in Subsid
2860 cr in Sub ICICI
ter HDFC Tier 1 Tier 2 11.41 8.55 2.86 12.16 9.6 2.56 11.66 8.03 3.63 11.12 9.49 1.63 13.93 10.81 3.12
535 cr in Subsidiaries - HDFC
2860 cr in Subsidiaries ICICI
Asset Quality ICICI
Net NPA to Net Advances(%)
2006 2005 2004 2003 2002
SBI 0.72 1.65 2.21 5.21 5.48
1.87 2.65 3.48 4.5 5.63
Net Non Performing assets is the Gross NPA minus gross provision made, unrealised interest and unadjusted credit balances with regard to various NPA accounts.
Total NPA Growth Rate
ICICI SBI 2006 -19.8% -16.7% 2005 -9.1% -1.7% 2004 -39.4% -6.2% 2003 0.3% -12.8% 2002 1124.9% -2.5%
HDFC 0.44 0.24 0.16 0.37 0.5
e, unrealised interest and HDFC 15.9% 30.9% 26.4% 19.1% 51.8%
Management Quality parameter
Market Value to Equity Capital
ICICI SBI HDFC 2006 3.53 2.37 6.36 2005 3.97 1.98 4.89 2004 3.26 1.70 5.52 2003 2.50 1.65 4.64 2002 1.31 0.98 3.18
Total Advances to Total Deposits
ICICI SBI HDFC 2006 0.89 0.69 0.63 2005 0.92 0.55 0.70 2004 0.92 0.50 0.58 2003 1.11 0.47 0.53 2002 1.47 0.45 0.39
Business/Employee (cr)
Profit/Employee(cr)
2006 2005 2004 2003 2002
ICICI SBI HDFC 9.05 2.99 7.58 8.8 2.43 8.06 10.1 2.1 8.66 11.2 1.91 8.65 4.86 1.73 7.78
2006 2005 2004 2003 2002
ICICI SBI HDFC 0.10 0.02 0.07 0.11 0.02 0.09 0.12 0.02 0.09 0.11 0.01 0.1 0.05 0.01 0.1
Earnings Quality ICICI
Operating Profit by Average Working Funds
Net Profit to Average Assets
2006 2005 2004 2003 2002
2.39 2.18 2.09 2.49 2.14
ICICI 2006 1.21% 2005 1.36% 2004 1.40% 2003 1.13% 2002 0.41%
ICICI
Interest Income to Total Income
2006 2005 2004 2003 2002
0.73 0.73 0.75 0.75 0.78
ICICI
Non Interest Income to Total Income
2006 2005 2004 2003 2002
0.27 0.27 0.25 0.25 0.22
SBI
HDFC 7.19 7.7 7.99 9.1 9.01
SBI
7.11 6.85 7.28 7.89 3.12
HDFC 0.92% 1.39% 0.99% 1.42% 0.94% 1.40% 0.86% 1.43% 0.73% 1.51%
SBI
HDFC 0.83 0.82 0.80 0.83 0.88
SBI
0.79 0.81 0.84 0.81 0.84
HDFC 0.17 0.18 0.20 0.17 0.12
0.21 0.19 0.16 0.19 0.16
Liquidity parameter ICICI
Liquid Assets to Total Assets
2006 2005 2004 2003 2002
0.068 0.077 0.067 0.060 0.122
ICICI
Liquid Assets To Total Deposits
2006 2005 2004 2003 2002
0.103 0.130 0.124 0.135 0.399
er SBI 0.090 0.085 0.107 0.120 0.186
HDFC 0.094 0.087 0.084 0.104 0.145
0.117 0.107 0.137 0.153 0.240
HDFC 0.124 0.123 0.117 0.142 0.196
SBI
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