Assessing the strength of Mutual Trust Bank through the Camels rating system

Abstract

This report was written as part of a Bachelor of Business Administration degree requirement from BRAC University. Through its CAMEL-based performance record, this comprehensive and detailed analysis examined the strategic, operational, and financial performance of MTBL Operations. In preparation for the study, financial data from the previous five years and organizational historical information, including management structure modifications, were acquired. Furthermore, primary component of real working experience and observation offered precise operational data. Analyzing financial data using multiple key ratios and implementing CAMEL rating analysis has provided a comprehensive assessment of the bank's performance throughout time, with all sector indicators ranging from excellent to adequate except for liability. When compared to the local industry average, the bank has been in a relatively good position in the local economy in terms of recent crises such as non-performing loans and so on. The study concluded with recommendations for increasing manpower and promoting employees, both of which will reduce responsibility; nevertheless, an emphasis on lowering liability has also been suggested.