Credit and financial risk analysis
5
CREDIT AND FINANCIAL RISK ANALYSIS Presented by Fast Group
-
Upload
muhammadkhalid -
Category
Education
-
view
467 -
download
3
Transcript of Credit and financial risk analysis
CREDIT AND FINANCIAL RISK ANALYSIS
Presented by
Fast Group
CAMELS
A tool of measurement of the financial condition of financial institution.
development it was developed by bank regulators in
the united states.
CAMELS
• Capital adequacy• Asset quality• Management• Earnings• Liquidity and funding• Sensitivity to market risk
Requirement of camels analysis
• Financial statements• Portfolio aging schedules• Funding sources• Information of b/d• Cash flow projection
Capital adequacy
Solvency maintained due risks incurred as a course of business.
Capital growth rate(current period equity - prior period equity) / prior period equity 9184459-5974978/5974978 =9090535
Earnings are good are no?
