Myanmar Agricultural Development Bank : Initial Assessment and Restructuring Options

dc.creatorWorld Bank
dc.date2014-04-15T17:42:10Z
dc.date2014-04-15T17:42:10Z
dc.date2014-04-08
dc.date.accessioned2026-07-01T00:33:50Z
dc.descriptionMyanmar is an agricultural country. It is estimated that the agriculture sector represents between 35 to 40 percent of gross domestic product (GDP) and that up to 70 percent of the labor force (of 32.5 million) is directly or indirectly engaged in agricultural activities or depend on agriculture for their income. Given agriculture's important contribution to the economy, the modernization of the agriculture sector is a top priority in the economic and social development agenda of the Government of Myanmar. Among the government institutions supporting the agriculture sector, the Myanmar Agriculture Development Bank (MADB) plays an important role. MADB was established in June 1953 by the Government of Myanmar to support the development of agriculture, livestock, and rural enterprises in Myanmar. MADB is currently the largest financial institution serving the rural areas and financing agriculture activities. At the end of 2012, MADB served 1.87 million customers, mostly farmers, and had a network of 206 branches (which accounted for 23 percent of all banks' branches in Myanmar). Since its creation, MADB has played an important economic and social role by providing loans to a large segment of low-income households engaged in agricultural activities. Historically, several agriculture banks around the world have failed due to poor corporate governance, inadequate risk management capability, unsustainable business models, capture by their own clientele, or undue political interference in their lending decisions. Therefore, authorities should ensure that MADB is transformed into a sound, well-administered, and financially sustainable institution, able to withstand undue political interference and able to operate with the highest standards of corporate governance and transparency. In this context, the report is organized as follows: chapter one gives diagnostic of MADB; chapter two presents options for the transformation of MADB; chapter three presents lessons from international experience; and chapter four gives conclusions.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2014/04/19362422/myanmar-agricultural-development-bank-initial-assessment-restructuring-options
dc.identifierhttps://hdl.handle.net/10986/17782
dc.identifierhttps://doi.org/10.1596/17782
dc.identifier.urihttp://hdl.handle.net/123456789/406186
dc.languageEnglish
dc.languageen_US
dc.publisherBangkok
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO FINANCE
dc.subjectACCOUNTING
dc.subjectACCOUNTING STANDARDS
dc.subjectADMINISTRATIVE BARRIERS
dc.subjectADMINISTRATIVE CONTROLS
dc.subjectADVISORY SERVICES
dc.subjectAGRICULTURAL ACTIVITIES
dc.subjectAGRICULTURAL BANKS
dc.subjectAGRICULTURAL COOPERATIVES
dc.subjectAGRICULTURAL CREDIT
dc.subjectAGRICULTURAL DEVELOPMENT BANK
dc.subjectAGRICULTURAL INCOMES
dc.subjectAGRICULTURAL SECTOR
dc.subjectAGRICULTURE BANK
dc.subjectAGRICULTURE BANKS
dc.subjectANTI-MONEY LAUNDERING
dc.subjectAUDIT COMMITTEE
dc.subjectBALANCE SHEET
dc.subjectBANK ACCOUNTS
dc.subjectBANK BRANCHES
dc.subjectBANK DEPOSITS
dc.subjectBANK OFFICE
dc.subjectBANKING INDUSTRY
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBANKRUPTCY
dc.subjectBANKS
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectBORROWINGS
dc.subjectBUSINESS ACTIVITIES
dc.subjectCAPITAL ADEQUACY
dc.subjectCAPITAL BASE
dc.subjectCAPITAL FUND
dc.subjectCAPITAL MARKETS
dc.subjectCASH FLOW
dc.subjectCASH MANAGEMENT
dc.subjectCENTRAL BANK
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMODITY PRICE
dc.subjectCORPORATE GOVERNANCE
dc.subjectCREDIT ANALYSIS
dc.subjectCREDIT BUREAU
dc.subjectCREDIT DECISION
dc.subjectCREDIT DECISIONS
dc.subjectCREDIT GUARANTEES
dc.subjectCREDIT HISTORY
dc.subjectCREDIT MARKETS
dc.subjectCREDIT POLICIES
dc.subjectCREDIT PRODUCT
dc.subjectCREDIT RISK
dc.subjectCREDIT SCHEME
dc.subjectCREDITORS
dc.subjectCUSTOMER SATISFACTION
dc.subjectDEBT
dc.subjectDEBT BURDEN
dc.subjectDEBT FINANCE
dc.subjectDEBTORS
dc.subjectDEMAND FOR CREDIT
dc.subjectDEPOSIT
dc.subjectDEPOSIT PRODUCTS
dc.subjectDEPOSITORS
dc.subjectDEPOSITS
dc.subjectDEVELOPMENT BANKS
dc.subjectDEVELOPMENT FINANCE
dc.subjectDEVELOPMENT FINANCE INSTITUTION
dc.subjectDISBURSEMENT
dc.subjectDIVERSIFICATION
dc.subjectDOMESTIC BANK
dc.subjectDONOR FUNDS
dc.subjectEMPOWERMENT
dc.subjectENDOWMENTS
dc.subjectEQUIPMENT
dc.subjectEQUITY FINANCE
dc.subjectEXCHANGE RATE
dc.subjectEXCHANGE RATES
dc.subjectEXPENDITURES
dc.subjectEXPORT EARNINGS
dc.subjectEXPORTERS
dc.subjectFARM MACHINERY
dc.subjectFARMER
dc.subjectFARMERS
dc.subjectFIDUCIARY SERVICES
dc.subjectFINANCE COMPANY
dc.subjectFINANCES
dc.subjectFINANCIAL DIFFICULTIES
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INSTRUMENTS
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL PRODUCT
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL RESOURCES
dc.subjectFINANCIAL SECTOR INDICATORS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL STATEMENTS
dc.subjectFINANCIAL SUPPORT
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFINANCIAL VIABILITY
dc.subjectFINANCING NEEDS
dc.subjectFISCAL BURDEN
dc.subjectFISCAL RESOURCES
dc.subjectFOREIGN BANK
dc.subjectFOREIGN INVESTORS
dc.subjectGOOD CREDIT
dc.subjectGOVERNMENT FUNDING
dc.subjectGROSS DOMESTIC PRODUCT
dc.subjectGROUP GUARANTEES
dc.subjectGROUP LOANS
dc.subjectGUARANTOR
dc.subjectGUARANTORS
dc.subjectHOLDING
dc.subjectHOUSEHOLDS
dc.subjectHUMAN RESOURCES
dc.subjectINDEBTEDNESS
dc.subjectINDIVIDUAL LOAN
dc.subjectINFORMAL LENDERS
dc.subjectINFORMATION DISCLOSURE
dc.subjectINFORMATION SYSTEM
dc.subjectINFORMATION SYSTEMS
dc.subjectINFORMATION TECHNOLOGY
dc.subjectINNOVATIVE FINANCIAL INSTRUMENTS
dc.subjectINSTALLMENTS
dc.subjectINSURANCE
dc.subjectINSURANCE PRODUCTS
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTEREST RATES ON LOANS
dc.subjectINTERNAL AUDIT
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL BANKS
dc.subjectINTERNATIONAL FINANCE
dc.subjectINTERNATIONAL STANDARDS
dc.subjectINVESTMENT LOANS
dc.subjectLAND OWNERSHIP
dc.subjectLENDER
dc.subjectLENDER OF LAST RESORT
dc.subjectLENDING DECISIONS
dc.subjectLENDING POLICIES
dc.subjectLENDING PORTFOLIO
dc.subjectLETTERS OF CREDIT
dc.subjectLIQUID ASSETS
dc.subjectLIQUIDITY
dc.subjectLIQUIDITY RATIO
dc.subjectLIQUIDITY RISK
dc.subjectLIVING STANDARDS
dc.subjectLOAN
dc.subjectLOAN AMOUNT
dc.subjectLOAN AMOUNTS
dc.subjectLOAN APPLICATION
dc.subjectLOAN APPLICATIONS
dc.subjectLOAN CLASSIFICATION
dc.subjectLOAN GUARANTEES
dc.subjectLOAN OFFICERS
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN PRODUCTS
dc.subjectLOAN RECOVERY
dc.subjectLOAN SIZE
dc.subjectLOANS TO FARMERS
dc.subjectMARKET INTEREST RATE
dc.subjectMARKET INTEREST RATES
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMOVABLE ASSETS
dc.subjectNATURAL DISASTERS
dc.subjectNEW MARKET
dc.subjectOUTREACH
dc.subjectOUTSTANDING DEBT
dc.subjectOUTSTANDING LOANS
dc.subjectOVERDRAFT
dc.subjectPARTIAL CREDIT
dc.subjectPOST OFFICES
dc.subjectPRIVATE BANKS
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATE EQUITY
dc.subjectPRIVATE FINANCIAL INSTITUTIONS
dc.subjectPRIVATE FINANCIAL INTERMEDIARIES
dc.subjectPRIVATE FINANCIAL SECTOR
dc.subjectPRIVATIZATION
dc.subjectPROFITABILITY
dc.subjectPRUDENTIAL STANDARDS
dc.subjectRATES OF INTEREST
dc.subjectREPAYMENT
dc.subjectREPAYMENT HISTORY
dc.subjectRESERVE
dc.subjectRESERVE FUND
dc.subjectRETURN
dc.subjectRISK EXPOSURE
dc.subjectRISK MANAGEMENT
dc.subjectRISK MITIGATION
dc.subjectRISK OF LOSS
dc.subjectRISK PROFILE
dc.subjectRURAL BANK
dc.subjectRURAL CREDIT
dc.subjectRURAL FINANCE
dc.subjectSAVINGS
dc.subjectSAVINGS PRODUCTS
dc.subjectSECURITIES
dc.subjectSMALL LOANS
dc.subjectSMALLHOLDER
dc.subjectSMALLHOLDER FARMERS
dc.subjectSOCIAL DEVELOPMENT
dc.subjectSOLVENCY
dc.subjectSOURCES OF FUND
dc.subjectSOURCES OF FUNDS
dc.subjectSOURCES OF INCOME
dc.subjectSUPPLY CHAIN
dc.subjectTECHNICAL ASSISTANCE
dc.subjectTERM CREDIT
dc.subjectTRADE FINANCE
dc.subjectTRANSPARENCY
dc.subjectTRUST FUND
dc.subjectUNION
dc.subjectVENTURE CAPITAL
dc.subjectVILLAGE
dc.subjectVILLAGES
dc.subjectWAREHOUSE
dc.subjectWAREHOUSE RECEIPT
dc.subjectWAREHOUSE RECEIPTS
dc.subjectWAREHOUSES
dc.subjectWORKING CAPITAL
dc.titleMyanmar Agricultural Development Bank : Initial Assessment and Restructuring Options

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