CAMELS Ratings

Capital Asset Management Earnings Liquidity Sensitivity

Adequacy Quality Quality to Market
Risk

Tier-I Gross NPA Total Investment/ Return on Net Worth

Total Asset Beta
Tier-II Beta Net NPA
Operating Profit/ Govt securities/
CAR Total Advance/
NNPA/ Average Working fund Total Investment
D/E Total Deposits
Total Advance
Adv/Assets Govt securities/
PAT/Total Asset
Total Investment/ Business per employee Total Assets
Total Asset ROA
Profit per employee Liquid Assets/
ROE Total Assets
Non-interest
Income/Working Fund Liquid Assets/
Total Deposits

Cash to deposit

Credit to deposit