ANALYZING FINANCIAL EFFICIENCY AND STABILITY OF FIN -SERVE FIRMS

Abstract: This study evaluates the financial efficiency and stability of selected modern enterprises using the CAMEL framework an analytical model comprising five core indicators: Capital Adequacy, Asset Quality, Management Efficiency, Earnings, and Liquidity. Financial data were gathered and analyzed over a defined period to compute relevant ratios and assess overall institutional performance. Findings indicate varying degrees of strength across the CAMEL components, with particular weaknesses observed in liquidity positions in some enterprises. The research highlights areas for improvement and strategic intervention and demonstrates the utility of the CAMEL model as a diagnostic tool in financial analysis and corporate performance benchmarking.

Keywords: CAMEL Model, Financial Efficiency, Capital Adequacy, Liquidity, Enterprise Stability, Financial Analysis