Camel Rating

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