Comparative Study of Operational Performance Analysis of District Central Cooperative Bank through CAMEL Model (Haryana, Punjab and Himachal Pradesh)

Abstract The DCCBs focus on rural credit and upliftment of rural people by making them self employed and through other means. Their function can be considered as money pooling for the PACS. They get refinance from State Cooperative Banks. These banks provide money to member societies within the limits of the borrowing capacity of societies. They additionally lead all the matter of a joint stock bank. The present study is an attempt to Comparative analysis of financial and operational performance of DCCBs in Haryana, Punjab and Himachal Pradesh. The main objectives of the study are to examine financial performance and operational performance of the banks. For this purpose CAMEL model have been used besides other statistical techniques to analyse financial and operational performance of this bank. Through CAMEL model capital adequacy, asset quality, management efficiency, earning quality and liquidity level are evaluated. After identifying the weaknesses through study, significant suggestions have been given. (Key Words: Financial Performance, Operational Performance, Capital Adequacy, Asset Quality, Earning Quality, Liquidity Position and Bankruptcy)