A grade with reasons, not a black box.
Six CAMEL-style pillars turn reviewed measures and qualitative assessment into an internal due-diligence grade. The method is designed to be visible to the analyst.
MiyarLens Scoring
Capital
Review the capital base and its capacity to absorb risk and sustain growth.
Asset Quality
Examine portfolio-at-risk, provisioning and the quality of outstanding loans.
Management
Consider qualitative governance and operational execution alongside the figures.
Earnings
Assess sustainability and profitability after relevant analytical adjustments.
Liquidity
Review liquid resources and the institution's ability to meet obligations.
Efficiency
Measure the resources required to serve clients and manage the portfolio.
From ratio to letter grade.
01 / Band each ratio
A ratio receives a score from 1 to 5 against defined bands.
02 / Add judgement
Band scores are combined with a qualitative assessment.
03 / Weight the pillars
A weighted composite produces the internal letter grade.
Why did it get this grade?
In this illustrative example, strong operating self-sufficiency supports Earnings, while elevated PAR30 and provision coverage constrain Asset Quality. The final grade reflects both measured bands and the qualitative review; it is not a substitute for an analyst's judgement.
Six pillars · weighted composite