CAMELS vs EAGLES: PhD research

Dear John,
Thank you very much for your kindness sending me your articles.
This time i'm preparing my thesis. Honestly, first i was interested to write 'bout CAMEL. But after finding your blog (, and read bout "Why CAMEL failed to recognize the weakness of banks...." , i'm so interested to know more bout this EAGLES and the basic knowledge of it. If you have any other articles bout EAGLES, would you please send me?? it will be so helpful for my thesis. Well, to be true, i have difficulties in searching EAGLES topics on the net. bunches of thanks.

Why CAMEL failed to recognize the weakness of banks?

Many analysts or bank inspectors use the CAMEL for analyzing banks and not knowing the disadvantages of the model. Here is an expose of the potential loopholes and where the EAGLES benchmark may excel.

Demise of CAMEL?

In the CAMEL, analysts assess five key aspects of the operations of a financial institution – Capital, Assets, Management, Earnings and Liquidity – rating them on a scale of 1 to 5. An overall rating of 1 is best while a rating of 5 implies a bank being laden with existing or potential problems.

Activity Based Costing in Banks

Since activity based costing (ABC) was first propounded in 1987, many consulting firms have advertised their specialist services and experiences in the implementation of ABC in the banking sector.

But the dearth of available data, published or otherwise, suggests that ABC is not as widely understood and practiced in the financial services sector as one may be led to believe.
Two reasons account for this: firstly, banks find it difficult to define their products and secondly, the banks think that the dififculty may not warrant the cost.

Financial Crisis or Market Correction?

Article by Dr. John Vong that was first published in the Investor Bulletin, Sacombank Vietnam, Issue October 2008.

Mobilizing Mobile Phones for Funds Transfer


An abstract of my paper "Banking in the Developing World":

There are at at least three projects in the poorer Asia, funded by international development agencies, running in parallel that relates to mobile phones for funds transfers. I shall call it MP4FT.

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