تقييم أداء البنوك التجارية باستعمال نموذج Camels: دراسة تطبيقية على المؤسسة المصرفية العربية خلال 2010-2019

Abstract EN

This study aims to highlight the role of the CAMELS model in evaluating the performance of commercial banks because of its importance in the current era if it is used properly and effectively in Algerian banks, to achieve the goal of the study, the descriptive analytical method was used, with a case study conducted on the Arab Banking Corporation.

Statistics from the financial statements issued by the institution under study during the period from 2010 to 2019 to calculate the six indicators that make up the CAMELS model, and the capital adequacy of this bank was assessed using the capital adequacy ratio calculated by the bank in light of the laws and instructions issued by the Algerian authority as approved The Basel Committee, and the quality of the Arab Banking Corporation's assets was also evaluated by the ratio of non-performing loans to total assets, in addition to evaluating the profitability and liquidity of this bank, as well as analyzing the Arab Banking Corporation's sensitivity to risks using the sensitivity index.

The second classification is according to the CAMELS composite evaluation policy, which means that the performance of this bank is satisfactory and relatively sound, with some shortcomingsKey Words: performance, profitability, liquidity, capital adequacy, Arab banking corporation, CAMELS model.