Analysis of The Main Financial Stability Indicators of Algerian Public Banks: Rating by the CAMELS Model (2013-2024)

Abstract This article discusses the evolution of the Algerian banking sector, emphasizing the effectiveness of the CAMELS model for risk management and decision-making in the face of sector vulnerabilities during times of crisis. The study proposes a comparative analysis of the main financial solidity indicators of the six Algerian public banks, chosen for their robustness in the local financial market. The methodology adopted is both descriptive and analytical, based on the examination of the financial achievements of these banks from 2013 to 2024. The results indicate that the CAMELS model proves to be an effective tool for evaluating quantitative financial performance. However, some components of the model pertain to qualitative elements subject to subjective assessments, particularly regarding management, making their evaluation difficult. Jel classification: G17, G21, G24, L25.