CAMEL Analysis of Allied Bank Limited

Capital Adequacy Ratio

Shareholders equity to total risk weighted assets = 66,198,023/33,600,167 =
Capital to liability ratio = 66,198,023/667,997,923*100 = 10%
Total debt to shareholders equity =667,997,923/66,198,023 =
Total assets to shareholders equity = 734,195,946/66,198,023 =

Asset Quality
Loans to total assets ratio =

Management Quality
Total operating expenditures to total operating income = 15,804
Operating expenditures to total expenditures= 15,804/49,181,396*100 = 0.032%
Earning per employees=
Operating expenses per employee=15,804/11,636 = Rs 1.35

Earnings Ability
Return on assets = 14643360/734,195,946*100 = 2%
Return on equity = 14643360/66,198,023*100 = 22.12%
Interest expense to total assets = 32551992/734195946*100 = 4.43%
Interest expense to total expense = 32551992/49,181,396*100 = 66.18%
Non-Interest expense to total assets = 15,946,994/734195946*100 = 2.17%

Liquidity
Liquid assets to total assets = 45,775,310/734,195,946*100 = 6.23%
Liquid assets to deposits = 45,775,310/608,411,670*100 =7.52%
Advances to deposits = 267,001,028/608,411,670*100 = 43.88%