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CAMEL RATIOS

CAR=capital/total risk weighted assetsdebt equity ratio = tot liab / tot capitaladvances to assets ratio= total advances/ total assetsgovt sec/total investments

Asset quality

Total npl/advancesNpl / gross advances

Management quality

Total advance/total deposits

NI / no. of employees

Earnings

Roa = NI / TA

Net Int. income / Net Income

Net Non int income/ Net Income

Other income/ Net Income

Liquidity

Liquid assets / total assetsGovt sec/ total assets

Liquid assets / demand deposits

Liquid assets / total deposits

GAP= RSA- RSL (advances+lending to FI+investments+money at call)

( deposits(deduct current account)+borrowing+sub ordinated loans+on call

borrowing)

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Total capital is divided into 2 componentsCore capital tier one capital!"upplementary capital tier 2 capital!

Tier # Core Capital also called tier # capital constituting$ "%&s equity

in paid up share capital or common stock held' plus disclosedreserves(

Tier 2 "upplementary Capital also called tier 2 capital$ consists o)

undisclosed reserves' revaluation reserves' hybrid debt capitalinstruments' general provisions or reserves )or loan loss andsub*ordianted debt

Tier#+tier 2 / total risk weighted assets = ,- at least!Tier # risk ad.usted ratio should be at lease -