Predictive Analytics in Harnessing Financial Efficacy of Banks Using Camel Model

In India, Cooperative Banking has an idiosyncratic position in the rural credit delivery system. Cooperative Banks are providing timely and easy credit to rural people. The financial efficacy of Cooperative Banks is of immense importance for smooth credit disbursement. In the present study, we have taken 17 District Central Cooperative Banks (DCCBs) of Odisha and attempted to measure their efficacy of finance flow. For this purpose we have used the CAMEL model which is based on five parameters like Capital Adequacy, Asset Quality, Management Quality, Earning Ability and Liquidity. Under each parameter two ratios, are calculated for 10 years and DCCBs are ranked according to their score. Synthesized Index Table is developed by taking the average ranks of each parameter and DCCBs are ranked accordingly