Vol. 4, Issue 3, Part A (2018)

Abstract
Camels analysis is used to evaluate a bank’s overall performance and to monitor its compliance with laws and regulatory policies using CAMELS ratings. Camels analysis includes Capital adequacy, Asset quality, Management, Earnings, Liquidity and sensitivity to market risk. This study deals with the analysis of two components E-earnings & profitability and L- liquidity position of HDFC bank for the period of five financial years from 2012-13 to 2016-17. Earnings and profitability of banks reflects the ability to support present and future operations of the bank. HDFC bank has maintained stable and better earnings from different sources of its income. This study suggests that HDFC bank can utilize the assets in proper way to increase the income from return on assets. The performance of HDFC bank is sound in case of earnings and liquidity.