Title of Thesis
Privatization of The Banking Sector in Pakistan.
The Case Study of MCB & ABL
Department of Public Administration / Gomal
University, Dera Ismail Khan
|Number of Pages|
|Keywords (Extracted from title, table of contents and
abstract of thesis)|
Banking, Sector, Pakistan, MCB, ABL,
economy, employment, banking, customers, Profitability
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