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Title of Thesis

Privatization of The Banking Sector in Pakistan. The Case Study of MCB & ABL

Author(s)

BAKHTIAR KHAN

Institute/University/Department Details
Department of Public Administration / Gomal University, Dera Ismail Khan
Session
2006
Subject
Public Administration
Number of Pages
264
Keywords (Extracted from title, table of contents and abstract of thesis)
Privatization, Banking, Sector, Pakistan, MCB, ABL, economy, employment, banking, customers, Profitability

Abstract
The present study aims at examining the privatization of banking sector in Pakistan, its impact on efficiency, economy, employment and new products and services as well as on legal environment. For this purpose economic model was used to judge efficiency of banking sector for pre-and- post period of privatization.
The model shows that banking sector in Pakistan after privatization of few banks improved its efficiency. Liquidity ratios of the banks have improved. Numbers and values of deposits have increased. Profitability of the banks increased. Value of non-performing loans is controlled. However, spread rate is still higher as compared to pre-privatization period. New products and services have been created to facilitate the customers.
Impact on economy, in the sense of mobilization of savings, increase in loan advances and credit, as well as investment have shown an upward trend. Quality of assets of all banks has improved.
The study shows that the numbers of employees have decreased in banking sector but this decrease is not alarming. The salary and remuneration to management / employees show increase; meaning better return to services of employees.
For a new vision of the banking sector and to prevent financial mishaps in future, the State Bank of Pakistan and Government of Pakistan are required to develop a new regulatory system for privatized banks.

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S. No. Chapter Title of the Chapters Page Size (KB)
1 0 CONTENTS

 

 
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2

1

INTRODUCTION

1.1 Privatization

1.2 Types and Techniques of Privatization
1.3 Privatization process in Pakistan
1.4 Steps in Privatization in Pakistan
1.5 General Objectives of Privatization

1.6 Modalities of Privatization in Pakistan

1.7 Implications of Bank Privatization

1.8 Privatization of Banks

1.9 Privatization of Banks in Pakistan

1.10 Objectives of Privatization of Banks

1.11 Scope of the Study

1.12 Objectives of Study

1.13 Methodology

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3 2 LITERATURE REVIEW

2.1 Introduction

2.2 Privatization of Banks and its Efficiency
2.3 Privatization of Banks and its impact on Economy
2.4 Privatization of Banks and its impact on Employees
2.5 Privatization of Banks and its impact on Customers

2.6 Privatization of Banks and Regulation

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4 3 PRIVATIZATION OF BANKS AND ITS IMPACT ON EFFICIENCY

3.1 Introduction

3.2 Data Envelope Analysis
3.3 Efficiency gains of two banks, MCB & ABL
3.4 Comparative study of Private vs. Public Bank
3.5 Findings

3.6 Conclusion

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5 4 PRIVATIZATION AND ITS IMPACT ON ECONOMY

4.1 Introduction

4.2 Privatization of Banks and its Impact on Economy
4.3 Hypotheses

4.4 Investment

4.5 Test of Sub-hypothesis No 1

4.6 Test of Sub-hypothesis No. 2

4.7 Impact of MCB & AQBL on Economic Growth

4.8 Privatization and Fiscal Deficit

4.9 Conclusion

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6 5 PRIVATIZATION OF BANKS AND ITS IMPACT ON EMPLOYMENT

5.1 Introduction

5.2 Does Privatization Affect Labor?
5.3 Characteristics of Labor Market in Pakistan

5.4 Privatization Employment Impact

5.5 Labor Force Reduction

5.6 New Jobs Creations

5.7 Factors, which will determine the extent of that impact

5.8 Protection of the Interest of the Workers

5.9 Findings

5.10 Conclusion

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7 6 PRIVATIZATION OF BANKS AND ITS IMPACT ON CUSTOMERS

6.1 Introduction

6.2 Characteristics of Commercial Banks in Pakistan
6.3 Customer’s Problems

6.4 Challenges faced by Commercial Banking in Pakistan

6.5 Emergence of New Products

6.6 Impact on Customers

6.7 Conclusion

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8 7 REGULATORY ENVIRONMENT FOR PRIVATIZATION OF BANKS

7.1 Introduction

7.2 Regulatory Reforms
7.3 Pre-Privatization Activities

7.4 State Bank of Pakistan

7.5 Legislative Agenda

7.6 Conclusion

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9 8 SUMMARY AND CONCLUSION

8.1 Summary and Conclusion

8.2 Bank Privatized so far
8.3 Achievements of the Study

8.4 Conclusion

8.5 Implications of the Study

8.6 Recommendations

8.7 Suggestions for Further Research

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10 9 REFERENCES & APPENDICES 193
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