Global Scenario On Sustainable and Resilient Coconut Industry by Dr. Jelfina...
Camels rating
1. CAMELS
CAPITAL
ASSET QUALITY
MANAGEMENT
EARNINGS
LIQUIDITY
SENSITIVITY TO MARKET RISK
2. CAPITAL
To determine whether the banks capital
position is adequate to support the level of
current and anticipated business activity and
associated risks.
Assessment through:
Composition and quality of capital
Adequacy of capital
Access to capital
Repayment of capital
3. ASSET QUALITY
To determine the quality of assets both
on and off balance sheet.
Assessment through:
Composition
Concentration
Provisioning
4. MANAGEMENT
To determine whether Board of Directors
have the required skills, experience and
integrity to manage the business.
Assessment through:
Fitness and proprietary
Board composition
Non executive directors
Cultural attitudes
Corporate planning and strategy
5. EARNINGS
To determine the profitability and
earnings profile of the bank and
evaluate the quality and reliability of
banks earnings.
Assessment through:
Profitability and earnings performance
Profit plan and budget
Sustainability
6. LIQUIDITY
To determine the liquidity position of
the bank.
Assessment through:
Liquidity ratios
Scenario analysis
7. SENSITIVITY TO MARKET
RISK
To determine how much bank is
exposed to market risk.
Assessment through:
Gap analysis
Sensitivity analysis