Ghanas financial services sector can be classified into three main categories, which include banking, insurance and capital markets. The sector has shown significant development over the past decade. The financial institutions are regulated and supervised by the central bank of Ghana. These include banks, microfinance institutions, savings and loans companies, credit unions, rural and community banks, and many others. The rural and community banks (RCBs) are unit banks owned by members of a rural community and it is practiced in places where mainstream banking or financial services are difficult to access. The RCBs were formed to help improve economic activities in the rural communities by addressing the problem of lack of finance and to increase access to credit. They perform financial intermediation roles in rural areas such as deposit mobilization, granting loans, investment and payment services. Even though, citizens in urban communities are familiar with the formal banking system, it appears more attention has not been focused on the development of the rural and community banks. As a professional and strategic finance analyst, provide an advice to the Governor of Bank of Ghana in line with the contributions the rural and community banks make to financial development in the country. Obtain the financial statements of five rural and community banks in Ghana. The financial statements for each rural and community bank should cover a 5-year period (and must be within the 2006-2020 period). Using the CAMEL approach, compute only one ratio under the CAMEL for the rural and community banks over the 5-year periods collected Present a report for the ratios Estimate and Discuss the descriptive statistics of the ratios under the CAMEL