U- Camels Analysis

1) These are the banks for you to compare:
Islamic Banks – AbuDhabi Islamic bank, Dubai Islamic bank and Sharjah Islamic bank.
Conventional banks: Emirates NABD, RAK Bank and MashreqBank.

2) For the data analysis of CAMELS I want you to use ONLY 1 formula for each, as follows :

Capital Adequacy (CA) —- The ratio of total capital to total assets
Asset Quality (AQ) — The ratio of non-performing loans (NPLs) to total loans
Management Competency (MC) — The ratio of interest expenses to total loans
Earnings Quality (EQ) — The net interest margin
Liquidity (LQ) — The ratio of liquid assets to total deposits
Sensitivity and risk ratios (SR) — Long term deposits/Deposits or Provisions of loan/Loans