Financial Performance of Bharat Co-Operative Bank – An Appraisal
Aarathi K. U.1, Aarya T. M.2, Shabu K. R.3

1Aarathi K U, Department of Finance and System Amrita School of Arts and Science, Kochi, Kerala, India.
2Aarya T M, Department of Finance and System Amrita School of Arts and Science, Kochi, Kerala, India.
3Shabu K R, Asst. Professor (Sr. Gr) Amrita School of Arts and Science, Kochi, Kerala, India.
Manuscript received on February 02, 2020. | Revised Manuscript received on February 10, 2020. | Manuscript published on March 30, 2020. | PP: 571-576 | Volume-8 Issue-6, March 2020. | Retrieval Number: F7376038620/2020©BEIESP | DOI: 10.35940/ijrte.F7376.038620

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Abstract: Today, the lending sector is considered as the fastest rising sectors, also plenty of funds is been devoted in banks. Thus it involves so much of complexity and proper evaluation of its performance is needed. There are various models available for assessing the routine act of the bank. In this study we uses CAMEL model as an instrument to estimate the budgetary presentation of Bharat Cooperative bank. This model comprises of Capital Adequacy, Management Efficiency, Asset quality, Liquidity and Earnings. Bharat Cooperative bank has been selected for the time period of 2014-18 for studying and evaluating its financial performance. The study was conducted in accordance of the data collected from the yearly report of the respective in situation. Aiming the performance evaluation of the bank we have used 19 ratios related to CAMEL model. From the overall evaluation it was found that the state of capital adequacy was satisfactory. While considering Asset quality it was not up to the level, that is, it is not in a good state. The state of Management efficiency was also not up to the standard. The general earning capacity and the liquidity position were found favorable and satisfiable for the bank.
Keywords: Bharat Cooperative bank, CAMEL Model, Financial performance.
Scope of the Article: Computer-supported cooperative work