Bank Financial Analysis and CAMELS Rating Training Course

Bank Financial Analysis and CAMELS Rating is a specialized training course for professionals who must judge the strength of a bank from the outside: correspondent banking teams, treasury staff who set interbank limits, financial institutions credit analysts, investors, rating analysts, and supervisors. Banks are highly leveraged, funded largely by deposits and wholesale markets, and exposed to confidence shocks that ordinary companies rarely face, so the corporate credit toolkit does not transfer directly. This course explains how a bank's balance sheet and income statement are built, where the real risks sit, and which ratios matter most. It then works through the CAMELS framework, the widely used supervisory approach to rating banks, component by component: capital adequacy; asset quality, including nonperforming loans, provisioning and expected credit loss coverage, and concentration; management quality and governance; earnings strength and sustainability; liquidity and funding structure, including the concepts behind the Liquidity Coverage Ratio and Net Stable Funding Ratio; and sensitivity to market risk. Participants will learn to benchmark a bank against its peers, recognize red flags early, and adapt the analysis to Islamic banks, where financing contracts, profit-sharing investment accounts, and Sharia governance change how familiar ratios should be read. The program also examines the links between a bank, its sovereign, and its operating environment, and how to weigh the likelihood of shareholder or government support without overstating it. Through case studies based on published bank financial statements, peer comparison exercises, and rating workshops, participants will turn their analysis into an internal rating, a justified structure of counterparty limits, and a concise financial institutions credit memo. The focus throughout is on analyzing other banks as counterparties, while managing one's own bank's risks and the detail of Basel regulation are covered in separate courses.