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VOL. 2, ISSUE 2 (2026)
Performance Evaluation of The Union Bank of India through Camel analysis
Authors
Dr. Ravindar Kapuganti
Abstract
The CAMEL approach is a commonly utilized and popular technique for
assessing the overall performance of organizations, especially those in the
banking sector. It is utilized to evaluate the operational efficiency of the
bank's performance. The performance evaluation of banks is a challenging task
within the banking sector, which has been streamlined using the CAMEL
technique. This is a commonly utilized and popular technique for assessing the
overall performance of a business, including the banking sector. It is utilized
to assess the operational efficiency of the bank's performance. Consequently,
the current study seeks to evaluate the overall performance of the UBI over a
five-year period (2021-2025) utilizing the CAMEL technique. The analysis
revealed that UBI demonstrated robust capital adequacy across all four metrics
during the study period. The asset quality of the UBI varied over the study
period. The management efficiency of the UBI improved across all three
measures. However, the emphasis on earnings quality should prioritize the
enhancement of operating profit. The bank's liquidity has deteriorated during
the study period, which is a significant problem that requires additional
improvement.
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Pages:48-52
How to cite this article:
Dr. Ravindar Kapuganti "Performance Evaluation of The Union Bank of India through Camel analysis". International Journal of Applied Review
, Vol 2, Issue 2, 2026, Pages 48-52
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