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=
Total Assets
=1.08%
Note : The percentage of ROE is matched with their Annual financial statement.
Net Income
=
Total Equity Capital
=12.82%
Note : The percentage of ROE is matched with their Annual financial statement.
=3.27%
Total Operating Income
=
Total Asset
= .50%
= 2.63
Note : EPS of AIBL was 2.63% in 2014 . In this report, they showed it 2.36% which be due to
typing mistake.
Basel II
Capital
¿
Credit risk+ Market risk +Operational risk
1325.74
¿
12196.76+ 508.97+1239.69
1325.74
MCR ¿
13945.42
= 9.5 %
= 9.5% ≥ 8%
Note : Basel II is a set of international banking regulations put forth by the Basel Committee on
Bank Supervision, which leveled the international regulation field with uniform rules and
guidelines. If MCR is equal or greater than 8% then it can be told that the company is in good
position. The MCR of AIBL was 9.5% in 2014 . So, it can be concluded that it was in a good
ranking.
21342.97
=
1394.54
CAR
=15.30%
= 15.30% ≥ 10
CAMELS RATING
Central Bank uses rating system which is known as CAMELS to access the quality of banks
earning and risk management practices. CAMELS ratings are assigned based on a numerical
from 1 to 5, with 1 indicating the highest rating, lowest degree of supervisory concern and 5
rating indicates the lowest rating, highest degree of supervisory concern.
NOTE:
Al-Arafah Islami Bank got CAMELS rating ‘2’ or ‘B’ class bank in the year of 2017. Rating 1-2
indicates sound/strong bank.