مهدی رضایی

Introduction Banks play a vital role in the economy by granting credit and facilities to individuals, institutions, and businesses, which are essential for economic growth and stability. Loans from banks allow individuals and businesses to obtain loans for a variety of purposes, such as buying housing, starting or developing a business, and investing in education, among others. Access to credit is especially important for businesses, as It allows them to finance their operating costs, procure inventory, and expand their workforce. Without the possibility of obtaining a loan, many businesses face challenges in their path to growth or even survival, which limits job creation and overall economic development. For individuals, credit also provides opportunities for important life events such as buying a house or financing for education, which can lead to long-term financial security and well-being. Various tools have been provided to identify the health of banks. The Camels rating system is a vital tool used by experts and researchers in the field of finance to assess the financial health and stability of banks. The Camels model evaluates banks based on six key components, which include capital adequacy, asset quality, management quality, revenue, liquidity, and market risk sensitivity. This assessment can have an impact on the growth of banks' credibility, as it directly affects its ability to lend and attract investors. Banks with strong banking health ratings generally have better access to capital markets, enabling them to offer more credit to the public. A high capital adequacy rating ensures that banks have enough capital to absorb potential losses. which supports lending activities. Good asset quality indicates that the bank's loan portfolio is relatively risk-free, making it more inclined to lend credit to borrowers. In addition, a bank with strong management and revenue is better equipped to deal with economic challenges and deliver sustainable credit growth.