Assignment OnCAMELS Rating for the Banks in Bangladesh

Submitted To:

Mr. Shahidul Islam Zahid

Lecturer

Department of Banking

University of Dhaka

Submitted By:

Minakshi Chakraborty

ID No. 55

BBA 13th Batch

Department of Banking

University of Dhaka

Latest CAMELS Rating for the Banks in Bangladesh:

RATINGS NAMES of BANKS

Strong or A-class banks

Prime Bank Ltd.

Shahjalal Islami Bank Limited

Commercial Bank of Ceylon

State Bank of India

Standard Chartered Bank

Citi N.A.

Satisfactory or B-class banks

Standard Bank Limited

Exim Bank Ltd.

Mercantile Bank

NCC Bank

BASIC Bank

Pubali Bank

Southeast Bank

Mutual Trust Bank Limited

Dutch-Bangla Bank

Premier Bank

The Trust Bank

Bank Asia

Jamuna Bank

BRAC Bank

One Bank

Dhaka Bank

Eastern Bank

Islami Bank Bangladesh Ltd.

Uttara Bank

National Bank

The City Bank

Social Investment Bank

Habib Bank

National Bank of Pakistan

Bank Alfalah

Woori Bank

HSBC

Fair or C-class banks

First Security Bank

IFIC Bank

AB Bank

United Commercial Bank

Al-Arafah Islami Bank

Bangladesh Shilpa Rin Sangstha

Agrani Bank Ltd

Rupali Bank Ltd.

Marginal or D-class banks

Sonali Bank Ltd

Janata Bank Ltd

Bangladesh Shilpa Bank

Bangladesh Krishi Bank

Rajshahi Krishi Unnyan BankSonali Bank Ltd

Janata Bank Ltd

Bangladesh Shilpa Bank

Bangladesh Krishi Bank

Rajshahi Krishi Unnyan Bank

Unsatisfactory or E-class banks

Bangladesh Commerce Bank

Oriental Bank Ltd

CAMELS Rating System in BangladeshCAMELS Rating System

During an on-site bank exam, supervisors gather private information, such as details on problem loans, with which to evaluate a bank's financial condition and to monitor its compliance with laws and regulatory policies. A key product of such an exam is a supervisory rating of the bank's overall condition, commonly referred to as a CAMELS rating.

CAMELS is an international bank-rating system with which bank supervisory authorities rate institutions according to six factors. The six areas examined are represented by the acronym "CAMELS."

The six factors examined are as follows:

C - Capital adequacy

A - Asset condition

M - Management quality

E – Earnings records

L – Liquidity position

S - Sensitivity to Market Risk

Banking Sector of Bangladesh and CAMELS Rating:

A total of 48 scheduled commercial banks including 8 (eight) foreign banks have been operating business in Bangladesh through 6,383 Branches. Out of total business 56.5% handled by private commercial banks (PCBs) and rest 43.5% dealt by nationalized commercial banks (NCBs).The total operations of every bank were assessed according to five fixed criteria. These criteria are Capital adequacy, Asset condition, Management quality, Earning records and Liquidity position (CAMEL).