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CAMEL Ratio Analysis

"CAMEL Ratio Analysis" model as a tool is very effective, efficient and accurate to be used as a performance evaluate in banking institution and to anticipate the future and relative risk. It is calculated in order to focus on financial performance. The CAMELS stands for Capital adequacy, Asset quality, Management, Earning and Liquidity. In this study some important ratios are chosen and calculated to evaluate bank's performance. Data which is used in this study is gathered from annual financial reports of an ACLEDA bank Plc. Then data is compared with other bank's ratios and reports. Certainly, the trends of calculations and relevant figures show important points for managers and also, CAMELS rating can be an efficient tool to manage and control and decide in management accounting view.

What you will benefit?

After completion of this course, the participants will be able to:

• Overview the banks'/ institution's balance sheet & income statement
• Identify CAMEL analysis concepts
• Utilize CAMEL ratio
• Identify CAMEL of Bank/Institutions
• Gain Lesson learnt from bank experiences

Course Contents

1. Introduction to Financial Statement and Analysis
2. CAMEL Concepts
• What CAMEL is
• CAMEL Requirement
• Objectives and uses CAMEL
• Banking/Institution Risks
3. CAMEL Ratio Analysis
• Capital Adequacy
• Asset quality
• Management
• Earnings and efficiency
• Liquidity
4. Bank/Institution analysis checklist
5. Lesson Learnt from ACLEDA Bank experiences
• Question and answer on the practical experiences of ACLEDA Bank.

Training Fee

• USD 111 per participant per training course.
• USD 104 per participant for organization sending 3-5 participants to the course.
• USD 98 per participant for organization sending 6 participants up to the course.

This fee includes training materials, refreshments, lunch and certificate.

Payment Condition: There is no charge for any cancellation which is made by the deadline of the registration. Cancellation after deadline of the registration and participants appearing without proper cancellation will be charged the full amount.

Methodology

The training methodology will be focused on experience based and participatory approaches including brainstorming, group discussion with presentation, group work, sharing hand-on experience, training game, and participants' problem raised during training workshop.

Trainers

Mr. TUY Sovannara, Senior Faculty of ACLEDA INSTITUTE OF BUSINESS

Born on 1978, he obtained a Master's Degree of Business Administration (MBA) major in Finance from National University of Management, Cambodia in 2011.He also graduated with a Bachelor of Arts majoring in English for Business Communication (English Based, International Program) from Pannasastra University of Cambodia in 2012. He gained a Bachelor of Economics in Banking and Finance at Norton University, Cambodia in 2000. He has attended numerous short courses on finance and banking, training of trainer, management and leadership which were organized by ACLEDA Bank Plc. since 2000. He started working for ACLEDA Bank Plc. as a credit officer in 2000 and was promoted as a chief of credit officer in 2001. He moved to work as an Auditor in 2003 and was changed to Accountant at Operation Department, Headquarter, ACLEDA Bank Plc. in 2004. He was promoted as an Assistant Vice President and Manager of Accounting Unit at Trade Finance Division in 2007. He became a Senior Specialist at Trade Finance Division in 2013. He has been assigned as a member of trainer pool of ACLEDA Bank Plc. since 2007 and responsible for delivering training courses on task of accountant, financial and accounting management, financial statement analysis, planning and budgeting, ratio analysis, off- balance sheet entry of trade finance, set up credit line, input loan in bulk into system, and prepared monthly reports to management. He currently holds a position as a Senior Faculty, specialized in finance and accounting at ACLEDA INSTITUTE OF BUSINESS.

Mr. Hang Sophalline, Senior Faculty of ACLEDA INSTITUTE OF BUSINESS

Born on 1979, he obtained a Master's Degree of Business Administration (MBA) major in Management from National University of Management, Cambodia in 2006. He also graduated with a Bachelor Degree of Accounting (BBA) at National Institute of Management in 2001. He has attended numerous short courses on finance and banking, training of trainer, management and leadership which were organized by ACLEDA Bank Plc. since 2001. He started working for ACLEDA Bank Plc. as a credit officer in 2001 and was promoted as Assistant Vice President and Manager of Accountant branch in 2002.Then he moved to work at Headquarter as an Assistant Vice President and Manager of Budgeting and Control Unit at Finance Division, ACLEDA Bank Plc. in 2011. He currently holds a position as a Senior Faculty, specialized in finance and accounting at ACLEDA INSTITUTE OF BUSINESS.

Guest Speaker

Senior Management Team from Finance Division of ACLEDA Bank Plc.