ADVANTAGES OF USING THE CAMELS FRAMEWORK IN ASSESSING CREDITWORTHINESS
Keywords:
CAMELS framework, creditworthiness, financial institutions, capital adequacy, asset quality, management quality, earnings, liquidity, market risk, financial stability, emerging markets, credit assessment, financial transparency.Abstract
This thesis explores the CAMELS framework for assessing the creditworthiness of financial institutions, with a focus on Uzbekistan. It examines the model’s components—Capital Adequacy, Asset Quality, Management Quality, Earnings, Liquidity, and Sensitivity to Market Risk—highlighting its advantages, challenges, and applications in both developed and emerging markets. The study emphasizes its role in promoting financial stability and informed credit decisions.
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