Development of the Commercial Banking System in Afghanistan: Risks and Rewards
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...
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| creator | Charap, Joshua Pavlovic, Jelena |
| description | 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. |
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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.</description><edition>1</edition><identifier>ISBN: 1451917260</identifier><identifier>ISBN: 9781451872972</identifier><identifier>ISBN: 9781452768229</identifier><identifier>ISBN: 9781451917260</identifier><identifier>ISBN: 1452768226</identifier><identifier>ISBN: 1451872976</identifier><identifier>EISBN: 9781451917260</identifier><identifier>EISBN: 1451917260</identifier><identifier>OCLC: 870245325</identifier><language>eng</language><publisher>Washington: International Monetary Fund</publisher><subject>Afghanistan ; Bank Lending Practices ; Banking ; Banking Sector ; Banks and banking ; Camel Ratings ; Commercial Banks ; Economic policy ; Emerging Market Banks ; Extra-judicial Contract Enforcement ; Financial Sector ; Profits</subject><creationdate>2009</creationdate><tpages>28</tpages><format>28</format><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><link.rule.ids>306,307,780,784,786,787,2603,2617,62140</link.rule.ids></links><search><creatorcontrib>Charap, Joshua</creatorcontrib><creatorcontrib>Pavlovic, Jelena</creatorcontrib><title>Development of the Commercial Banking System in Afghanistan: Risks and Rewards</title><description>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.</description><subject>Afghanistan</subject><subject>Bank Lending Practices</subject><subject>Banking</subject><subject>Banking Sector</subject><subject>Banks and banking</subject><subject>Camel Ratings</subject><subject>Commercial Banks</subject><subject>Economic policy</subject><subject>Emerging Market Banks</subject><subject>Extra-judicial Contract Enforcement</subject><subject>Financial Sector</subject><subject>Profits</subject><isbn>1451917260</isbn><isbn>9781451872972</isbn><isbn>9781452768229</isbn><isbn>9781451917260</isbn><isbn>1452768226</isbn><isbn>1451872976</isbn><isbn>9781451917260</isbn><isbn>1451917260</isbn><fulltext>true</fulltext><rsrctype>book</rsrctype><creationdate>2009</creationdate><recordtype>book</recordtype><sourceid>2BV</sourceid><recordid>eNpFUE1LAzEUjIhirf0POQieCvncZL21a6tCUajidXmbTdrY3WzdrEr_vYEWfJf3BmaGN3OGJrnSVEiaU8Uyco6u_8ElGmlFmJCcySs0ifGTpMkFoYyM0MuD_bFNt29tGHDn8LC1uOja1vbGQ4PnEHY-bPDbIQ62xT7gmdtsIfg4QLjHax93EUOo8dr-Ql_HG3ThoIl2ctpj9LFcvBdP09Xr43MxW02BC83o1Lr0kAMwhktFTJYRLdKta0mznBErpaRgFEhCNc9YBcJoLqxmVcWEIzkfo7uj8b7vvr5tHEpbdd3OpBg9NOViXtDkmaSJeXtk-taV-9630B9KxZQ4VaYVyxXjf1BQWhc</recordid><startdate>20090701</startdate><enddate>20090701</enddate><creator>Charap, Joshua</creator><creator>Pavlovic, Jelena</creator><general>International Monetary Fund</general><scope>2BV</scope><scope>C-M</scope><scope>KRY</scope></search><sort><creationdate>20090701</creationdate><title>Development of the Commercial Banking System in Afghanistan: Risks and Rewards</title><author>Charap, Joshua ; Pavlovic, Jelena</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-a34821-ef245faacc3570c66084cc38d516920e5551ac7a5018362ba4c834e82bb24f093</frbrgroupid><rsrctype>books</rsrctype><prefilter>books</prefilter><language>eng</language><creationdate>2009</creationdate><topic>Afghanistan</topic><topic>Bank Lending Practices</topic><topic>Banking</topic><topic>Banking Sector</topic><topic>Banks and banking</topic><topic>Camel Ratings</topic><topic>Commercial Banks</topic><topic>Economic policy</topic><topic>Emerging Market Banks</topic><topic>Extra-judicial Contract Enforcement</topic><topic>Financial Sector</topic><topic>Profits</topic><toplevel>online_resources</toplevel><creatorcontrib>Charap, Joshua</creatorcontrib><creatorcontrib>Pavlovic, Jelena</creatorcontrib><collection>IMF E-Library</collection><collection>IMF Books & Analytical Papers</collection><collection>International Monetary Fund (IMF)</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>Charap, Joshua</au><au>Pavlovic, Jelena</au><format>book</format><genre>book</genre><ristype>BOOK</ristype><btitle>Development of the Commercial Banking System in Afghanistan: Risks and Rewards</btitle><date>2009-07-01</date><risdate>2009</risdate><isbn>1451917260</isbn><isbn>9781451872972</isbn><isbn>9781452768229</isbn><isbn>9781451917260</isbn><isbn>1452768226</isbn><isbn>1451872976</isbn><eisbn>9781451917260</eisbn><eisbn>1451917260</eisbn><abstract>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.</abstract><cop>Washington</cop><pub>International Monetary Fund</pub><oclcid>870245325</oclcid><tpages>28</tpages><edition>1</edition><oa>free_for_read</oa></addata></record> |
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| identifier | ISBN: 1451917260 |
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| language | eng |
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| source | IMF E-Library |
| subjects | Afghanistan Bank Lending Practices Banking Banking Sector Banks and banking Camel Ratings Commercial Banks Economic policy Emerging Market Banks Extra-judicial Contract Enforcement Financial Sector Profits |
| title | Development of the Commercial Banking System in Afghanistan: Risks and Rewards |
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