ANALYZING FINANCIAL EFFICIENCY AND STABILITY OF FIN -SERVE FIRMS

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.