CAMELS AS A TOOL FOR MEASURING FINANCIAL PERFORMANCE OF ASSAM COOPERATIVE APEX BANK LTD
Abstract
This have a look at evaluates the monetary performance of Assam Cooperative Apex Bank Ltd. (ACAB) the use of the CAMELS framework, a famend model employed via regulatory authorities to assess the soundness of economic establishments. CAMELS stands for Capital adequacy, Asset exceptional, Management first-rate, Earnings, and Liquidity—key parameters that replicate a bank's economic health and operational performance. The studies analyzes ACAB's overall performance over recent years by means of inspecting its financial statements, regulatory filings, and overall performance metrics thru the CAMELS lens. The objective is to decide the effectiveness of the CAMELS model in identifying the strengths and weaknesses of ACAB, and to offer insights into its usual financial stability and regions needing improvement. The findings suggest that while ACAB continues ok capital and liquidity, it faces challenges related to asset excellent and income consistency. The have a look at highlights the importance of using comprehensive performance evaluation gear like CAMELS for regulatory compliance, chance management, and strategic planning. The results offer treasured records for stakeholders, consisting of the financial institution's management, regulators, and traders, to make knowledgeable selections and enhance the bank's financial robustness and operational efficiency.
Keyword : CAMELS Framework, Financial Performance, Capital Adequacy, Asset Quality, Management Quality, Earnings, Liquidity, Assam Cooperative Apex Bank Ltd. (ACAB), Bank Performance Evaluation, Regulatory Compliance, Financial Stability, Risk Management, Performance Metrics, Banking Sector Analysis, Financial Health Assessment, Operational Efficiency, Investment Decision-Making, Regulatory Reporting, Performance Indicators, Credit Risk Assessment.
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