Assignment On

CAMELS 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
Prime Bank Ltd.

Strong or A-class banks

Shahjalal Islami Bank Limited

Commercial Bank of Ceylon
State Bank of India
Standard Chartered Bank
Citi N.A.
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

Satisfactory or B-class banks

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
First Security Bank
IFIC Bank
AB Bank

Fair or C-class banks

United Commercial Bank

Al-Arafah Islami Bank
Bangladesh Shilpa Rin Sangstha
Agrani Bank Ltd
Rupali Bank Ltd.
Sonali Bank Ltd
Janata Bank Ltd
Bangladesh Shilpa Bank

Marginal or D-class banks

Bangladesh Krishi Bank

Rajshahi Krishi Unnyan BankSonali Bank Ltd
Janata Bank Ltd
Bangladesh Shilpa Bank
Bangladesh Krishi Bank
Rajshahi Krishi Unnyan Bank
Bangladesh Commerce Bank

Unsatisfactory or E-class banks

Oriental Bank Ltd

CAMELS Rating System in Bangladesh

CAMELS 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).