Abstract
The financial stability of banks and the overall banking system is among the most important and at the same time most vulnerable to turmoil sectors of any economy. This is why the object of this study are commercial banks and an assessment of the effects of the restructuring and consolidation of commercial banks in Bulgaria using the CAMEL approach. The aim of the present study is to identify the effects of the restructuring and consolidation of commercial banks in Bulgaria. The study is based on a framework of tools for monitoring the financial stability of the banks operating in Bulgaria and assessing their strengths and weaknesses, including key measures of their capital adequacy, asset quality, management, efficiency and liquidity. The results of the study reveal the main effects of the restructuring and consolidation of commercial banks in Bulgaria. The results of an Ex-post analysis of the financial position of banks and the banking system, which measures their capital adequacy, asset quality, management, efficiency and liquidity since Bulgaria’s accession to the EU reveal a successful integration of European practices to encourage the competition among banks in the country. This ranks Bulgaria amon
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