Question: "kindly use "CAMELS" rating system and find the Capital adequacy ( CAR ratio), Asset quality, Management efficiency, earning capacity, liquidity and sensitivity."
*Kindly show me the calculation.
* If you cannot answer all then please don't answer.
* I have attached all the neccessary documents. let me know if you need anything. 
PAOPERTY AND ASSETS Cash In hand (including loreigh currencies) 4Notes6,136,396,4172019 Balance with Bangladesh Bank and is agent barkisi) (including foreign currencies) 4..2 25,912.654,52119.776,258,104 Balance with other banks and financial institutions In Bangladesh Outside Bangadesh Money at call and short notice \begin{tabular}{r} 5. \\ 19,084,846,966 \\ 4,360,632,299 \\ \hline 23,445,479,265 \\ 89,379,167 \end{tabular} Investments Govemmert Others Loans and advances/investments Loarsi cash credits overdrath etc investmerits 245,024,807,640 Bils purctased and discounted Flxed assets including premises, furniture and fixtures Other assets Non-banking assets Total assets LIABILITES AND CAPITAL Labilities Tler-ll subordinated bond Borrowings from other banks, financial institutions and agents Deposits and other accounts Current deposits and other accounts Bils payable Sivves bark deposits Fixed deposits Bearer certicate of depocit Other flablities Total lisbilities Capilalisharcholders equity Paid up capital Statutory reserve Share premilum Dividend equelsition reserve othes teserve Surplus in prolit and ioss account Total shareholders' equity Non controlling interest. Total equity Totat llabilitles and sharehoiders' equity \begin{tabular}{rr} 13 & 9,200,000,000 \\ 14 & 45,147,496,824 \\ 15 & 40,869,697,059 \\ 1,884,096,479 \\ 46,367,253,617 \\ & 157,319,657,916 \\ 16 & 246,440,705,07131,625,852,069 \\ 17,2 & 10,163,886,610332,414,053,964 \\ 18 & 8,659,477,813 \\ 19 & 1,504,388,797 \\ 20 & 530,786,631 \\ 21 & 701,796,785 \\ 22 & 24,539,232,2672,978,918,631 \\ \hline 23 & 24,539,340,073107,606 \\ \hline \end{tabular} OFF-BALANCE SHEET ITEMS Contingent liabilities Acceptances and endorsements Letters of guarantee Irrevocable letters of credit Bills for collection Other contingent liabilities for ECA financing Total Other commitments Documentary credits and short term traderelated transactions Forward assets purchased and forward deposits placed Undrawn note issuance and revolving underwiting facilities 24,45,224,685,808 Undrawn formal standby facilities, credit lines and other commitments Other commitments Total Total Off-Balance Sheet items including contingent liabilities The annexed notes 1 to 53 form an integral part of these financial statements CONSOLIDATED PROFIT AND LOSS ACCOU CONSOLIDATED CASH FLOW STATEMENT For the year ended 31 December 2019 Cash payments to supplers income takes paid Receipts from other operating activities Payments for other operating activities Cash generated from operating activities before changes in operating assets and liabilities (i) Increase/decrease in operating assets and liabilities Loans and advances to customers Other assets Deposits from other banis/borrowings Deposits from customers Other labilties Cash generated from operating assets and liabilities (ii) Net cash flow from operating activities (1+1) B) Cash flows from investing activities Proceeds from sale ol securities Payment for purchase of securties Purchaselsale of property, plant and equpment Net cash used in investing activities C) Cash flows from financing activities Issuance of 3rd tier-ll subordinated bond Redemption of ist tier-ll subordinated bond Dividend paid Net cash from financing activities D) Net increase in cash and cash equivalents (A+B+C) E) Effects of exchange rate changes on cash and cash equivalents F) Cash and cash equivalents at beginning of the year G) Cash and cash equivalents at end of the year (D+E+F) Cash and cash equivalents at end of the year consists of: Cash in hand Onduding foreign curiencies) Belance wih Bangladesh Bank and its agert bank(s) (including foregn currences) Balance wth other barks and financiai institutions - Money at call and short notice Government securales The ameved rotes ito 53 form an integral port of these frnacid statements. PAOPERTY AND ASSETS Cash In hand (including loreigh currencies) 4Notes6,136,396,4172019 Balance with Bangladesh Bank and is agent barkisi) (including foreign currencies) 4..2 25,912.654,52119.776,258,104 Balance with other banks and financial institutions In Bangladesh Outside Bangadesh Money at call and short notice \begin{tabular}{r} 5. \\ 19,084,846,966 \\ 4,360,632,299 \\ \hline 23,445,479,265 \\ 89,379,167 \end{tabular} Investments Govemmert Others Loans and advances/investments Loarsi cash credits overdrath etc investmerits 245,024,807,640 Bils purctased and discounted Flxed assets including premises, furniture and fixtures Other assets Non-banking assets Total assets LIABILITES AND CAPITAL Labilities Tler-ll subordinated bond Borrowings from other banks, financial institutions and agents Deposits and other accounts Current deposits and other accounts Bils payable Sivves bark deposits Fixed deposits Bearer certicate of depocit Other flablities Total lisbilities Capilalisharcholders equity Paid up capital Statutory reserve Share premilum Dividend equelsition reserve othes teserve Surplus in prolit and ioss account Total shareholders' equity Non controlling interest. Total equity Totat llabilitles and sharehoiders' equity \begin{tabular}{rr} 13 & 9,200,000,000 \\ 14 & 45,147,496,824 \\ 15 & 40,869,697,059 \\ 1,884,096,479 \\ 46,367,253,617 \\ & 157,319,657,916 \\ 16 & 246,440,705,07131,625,852,069 \\ 17,2 & 10,163,886,610332,414,053,964 \\ 18 & 8,659,477,813 \\ 19 & 1,504,388,797 \\ 20 & 530,786,631 \\ 21 & 701,796,785 \\ 22 & 24,539,232,2672,978,918,631 \\ \hline 23 & 24,539,340,073107,606 \\ \hline \end{tabular} OFF-BALANCE SHEET ITEMS Contingent liabilities Acceptances and endorsements Letters of guarantee Irrevocable letters of credit Bills for collection Other contingent liabilities for ECA financing Total Other commitments Documentary credits and short term traderelated transactions Forward assets purchased and forward deposits placed Undrawn note issuance and revolving underwiting facilities 24,45,224,685,808 Undrawn formal standby facilities, credit lines and other commitments Other commitments Total Total Off-Balance Sheet items including contingent liabilities The annexed notes 1 to 53 form an integral part of these financial statements CONSOLIDATED PROFIT AND LOSS ACCOU CONSOLIDATED CASH FLOW STATEMENT For the year ended 31 December 2019 Cash payments to supplers income takes paid Receipts from other operating activities Payments for other operating activities Cash generated from operating activities before changes in operating assets and liabilities (i) Increase/decrease in operating assets and liabilities Loans and advances to customers Other assets Deposits from other banis/borrowings Deposits from customers Other labilties Cash generated from operating assets and liabilities (ii) Net cash flow from operating activities (1+1) B) Cash flows from investing activities Proceeds from sale ol securities Payment for purchase of securties Purchaselsale of property, plant and equpment Net cash used in investing activities C) Cash flows from financing activities Issuance of 3rd tier-ll subordinated bond Redemption of ist tier-ll subordinated bond Dividend paid Net cash from financing activities D) Net increase in cash and cash equivalents (A+B+C) E) Effects of exchange rate changes on cash and cash equivalents F) Cash and cash equivalents at beginning of the year G) Cash and cash equivalents at end of the year (D+E+F) Cash and cash equivalents at end of the year consists of: Cash in hand Onduding foreign curiencies) Belance wih Bangladesh Bank and its agert bank(s) (including foregn currences) Balance wth other barks and financiai institutions - Money at call and short notice Government securales The ameved rotes ito 53 form an integral port of these frnacid statements
