Evaluation of banking performance according to the CAMELS model An applied study of Al-Mansour Investment Bank for the period 2014-2018.
DOI:
https://doi.org/10.33095/jeas.v26i117.1809Keywords:
الاداء المالي، نموذج CAMELS، كفاية راس المال، جودة الموجودات، كفاءة الادارة، الربحية، السيولة، حساسية المخاطر., financial performance, CAMELS model, capital adequacy, asset quality, management efficiency, profitability, liquidity, risk sensitivity.Abstract
The banking sector has a significant impact on the economic growth of the country, and the importance of this sector must assess its financial performance from time to time, to measure the situation related to money for each bank and how to put the supervision of the efficiency of the full. The research aims at evaluating the financial performance according to the elements of the CAMELS model, which including capital adequacy, asset quality, management efficiency, profitability, liquidity, and market risk sensitivity. The research included the study of Al-Mansour Investment Bank during the period from 2014 to 2018. The base capital ratio was used to total assets to measure capital adequacy The proportion of investments to total assets to measure the quality of assets, the ratio of expenses to profits to measure management efficiency, the ratio of net profit to income to measure profitability and the ratio of cash to deposits to measure liquidity and the proportion of interest income to its expenses to measure the sensitivity of market risks. The most important results of the research were that the bank obtained the third classification for its overall financial performance according to the results of the composite classification of the CAMELS model during the years of research, in addition to the weak management of the bank's assets.
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