Regulatory BANK ratings used in the US and UK financial systems based on a review of CAPITAL, ASSETS, management, MARKET RISK, earnings, and LIABILITIES/ LIQUIDITY. CAMEL ratings are used to reflect the overall strength of a bank; those awarded the highest ratings (e.g., 5 on a 15 scale) need little, if any, improvement, while those receiving lower ratings are expected to implement recommendations set forth by the regulators.