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FDIC Banking Review

Figure 10 demonstrates how a combination of supervisory and market measures could be used to divide institutions in the 1A insurance pricing category into finer grades of that category. An initial split is made based on whether an institution is rated CAMELS-1 or CAMELS-2, with institutions rated CAMELS-1 being considered less risky and paying a lower premium amount. Market indicators would then be used to further subdivide these two groups into subgroups, with the riskier subgroups paying higher premium amounts. However, the riskiest subgroup for CAMELS-1 rated institutions would pay less than the least risky subgroup for CAMELS-2 rated institutions.



Last Updated 05/15/2005 Questions, Suggestions & Requests