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CAMEL Evaluation of the Banks in Bulgaria

Author

Listed:
  • Silvia Zarkova

    (D.A.Tsenov Academy of Economics, Svishtov, Bulgaria)

  • Stoyan Prodanov

    (D.A.Tsenov Academy of Economics, Svishtov, Bulgaria)

  • Orlin Yaprakov

    (D.A.Tsenov Academy of Economics, Svishtov, Bulgaria)

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 among the leading East European countries in terms of bank products development and efficiency of its financial system.

Suggested Citation

  • Silvia Zarkova & Stoyan Prodanov & Orlin Yaprakov, 2022. "CAMEL Evaluation of the Banks in Bulgaria," Economic Alternatives, University of National and World Economy, Sofia, Bulgaria, issue 2, pages 201-219, June.
    • Handle: RePEc:nwe:eajour:y:2022:i:2:p:201-219
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    More about this item

    Keywords

    commercial banks in Bulgaria; Restructuring and Consolidation; CAMEL;
    All these keywords.

    JEL classification:

    • C13 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Estimation: General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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