CAMELS RATING
C
A
M
E
L
Capital Adequacy
This refers to the amount of capital that the
bank has in reserve to cover its liabilities
S
C
A
M
E
Asset Quality
This refers to the quality of the loans and
other assets that the bank holds
L
S
C
A
M
E
L
Management Quality
This refers to the competence and experience
of the bank’s management team
S
C
A
M
E
Earnings
The bank's ability to generate profits. This is
measured by the bank's return on assets and
return on equity.
L
S
C
A
M
E
Liquidity
The bank's ability to meet its short-term
obligations
L
S
C
A
M
E
Sensitivity
The bank's exposure to changes in market
prices, such as interest rates and exchange
rates.
L
S