AN EVALUATION OF CAMEL RATING SYSTEM AS A MEASURE OF BANK PERFORMANCE: A STUDY OF SELECTED BANKS

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AN EVALUATION OF CAMEL RATING SYSTEM AS A MEASURE OF BANK PERFORMANCE: A STUDY OF SELECTED BANKS

ABSTRACT

This project is meant to evaluate CAMEL Rating system as a measure of Bank

performance of seven (7) selected Banks over a period of time from 1994-1998.

The Banks chosen are first Bank of Nigeria Plc, Intercity Bank Plc, United Bank for

Africa Plc, Savannah Bank of Nigeria Plc, Lion Bank of Nigeria Plc, Bank of the North

Limited and Cooperative Bank Plc. The choice of the seven Commercial Banks with similar

Operations was to compare the performance of one against another for the period under

review.

The CAMEL Rating system actually showed the performance of the Banks over

period and comparism was made of the performance of the peer group within the Industry.

To a greater extent all the seven Banks performed very sound throughout the period under

consideration.

Finally, conclusion and recommendations have been drawn based on the discoveries

made in the study.

TABLE OF CONTENT

Title page- – – – – – – – – i

Approval page – – – – – – – -ii

Dedication – – – – – – – – -iii

Acknowledgement – – – – – – – -iv

Abstract – – – – – – – – – -v

Table of content – – – – – – – -vi

CHAPTER ONE

INTRODUCTION – – – – – – – -1

1.0 Background of the study – – – – -1

1.1 Statement of the problem – – – – -5

1.2 Purpose of the study – – – – – -6

1.3 Significance of the study – – – – -8

1.4 Research questions – – – – – -9

1.5 Scope of the study – – – – – – -10

CHAPTER TWO

LITERATURE REVIEW – – – – – – -11

CHAPTER THREE

Research methodology – – – – – – -39

Design of study – – – – – – – -40

CHAPTER FOUR

Presentation, analysis and interpretation of data – -48

CHAPTER FIVE

Summary of findings – – – – – – -60

Conclusion – – – – – – – – -61

Recommendations – – – – – – – -62

Suggestions for further research – – – – -64

References – – – – – – – – -65

Appendix I – – – – — – – – -68

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