03774nam 2200625Ia 450 991082597430332120200520144314.01-4623-2045-71-4527-6822-61-4518-7297-61-282-84364-89786612843648(CKB)3170000000055301(EBL)1608362(SSID)ssj0000940120(PQKBManifestationID)11502268(PQKBTitleCode)TC0000940120(PQKBWorkID)10948463(PQKB)10432538(OCoLC)428976736(IMF)WPIEE2009150(MiAaPQ)EBC1608362(EXLCZ)99317000000005530120091012d2009 uf 0engur|n|---|||||txtccrDevelopment of the commercial banking system in Afghanistan risks and rewards /Jelena Pavlovic and Joshua Charap1st ed.Washington, D.C. International Monetary Fund, Middle East and Central Asia banking dept.20091 online resource (30 p.)IMF working paper ;WP/09/150"July 2009".1-4519-1726-0 Includes bibliographic references.Contents; I. Executive Summary; II. Introduction; III. Background and Literature Review; IV. Economic and Financial Developments in Afghanistan; A. The Post-Taliban Initial Conditions; B. Changing Profile of the Banking and Financial Sectors; Tables; 1. Consolidated Afghanistan Banking Sector Data; V. An Assessment of Risks And Rewards; Figures; 1. Assets and Deposits of the Banking Sector in Afghanistan; A. Quantitative Analysis; Balance Sheet Data; CAMEL Ratings and Correlation Results; 2. Ratio of Domestic Lending to Assets; Profits and Bank Quality3. Correlation Between CAMEL Ratings and Gross Loans as Percent of Total Assets of Commercial Banks4. Correlation between Corporate Income Tax Paid and Total Assets of Commercial Banks; 5. Correlation between CAMEL Ratings and Corporate Income Tax Paid Divided by Total Assets; B. Qualitative Analysis; Survey Methodology; 6. Correlation between Lending / Total Assets and CIT / Total Assets; Survey Results; VI. Conclusion; References; Appendixes; I. Licensed Banks in Afghanistan; II. Questionnaire on Risk-taking by Commercial Banks Operating in Afghanistan- Addressed to CEOs/Top Management-Lending practices of commercial banks in Afghanistan were analyzed using CAMEL ratings. Statistically significant correlations were found: Banks with worse ratings (a) had more lending to domestic clients and (b) paid less tax. There was no statistically significant relationship between profits and total assets or between lending/assets versus profit/assets. Interviews of senior management of 8 banks accounting for about 90 percent of the commercial banking system corroborated evidence that poorly rated banks lend to domestic clients, whereas highly rated banks do not lend. Banks that lend extensively domestically engage in extra-judicial, non-traditional contract enforcement.IMF working paper ;WP/09/150.Banks and bankingAfghanistanAfghanistanEconomic policyBanks and banking332.1;332.109549;332.1095493Pavlovic Jelena1637011Charap Joshua1963-1752378International Monetary Fund.Middle East and Central Asia Dept.MiAaPQMiAaPQMiAaPQBOOK9910825974303321Development of the commercial banking system in Afghanistan4187654UNINA