Pursuing Efficiency While Maintaining Outreach : Bank Privatization in Tanzania
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Washington, DC: World Bank
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Profitability improvements after the
privatization of a large state-owned bank might come at the
expense of reduced access to financial services for some
groups, especially the rural poor. The privatization of
Tanzania's National Bank of Commerce provides a unique
episode for studying this issue. The bank was split into the
"new" National Bank of Commerce, a commercial bank
that assumed most of the original bank's assets and
liabilities, and the National Microfinance Bank, which
assumed most of the branch network and the mandate to foster
access to financial services. The new National Bank of
Commerce's profitability and portfolio quality improved
although credit growth was slow, in line with privatization
experiences in other developing countries. Finding a buyer
for the National Microfinance Bank proved very difficult,
although after years under contract management by private
banking consultants, Rabobank of the Netherlands emerged as
a purchaser. Profitability has since improved and lending
has slowly grown, while the share of non-performing loans
remains low.
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ACCESS TO BANKING, ACCESS TO BANKING SERVICES, ACCESS TO FINANCIAL SERVICES, ACCESS TO SERVICES, ACCOUNTING, AGRICULTURAL BANK, ASSET ALLOCATION, ASSET PORTFOLIO, ATMS, BALANCE SHEET, BALANCE SHEETS, BANK BRANCHES, BANK DEPOSITS, BANK LENDING, BANK MERGERS, BANK OF TANZANIA, BANK PORTFOLIO, BANK PRIVATIZATION, BANK REGULATION, BANKING ASSETS, BANKING SECTOR, BANKING SECTOR ASSETS, BANKING SECTOR STABILITY, BANKING SECTORS, BANKING SERVICES, BANKING SYSTEM, BANKING SYSTEMS, BANKS, BID, BIDS, BIG BANK, BRANCH NETWORK, BRANCH NETWORKS, BUSINESS PLAN, BUYER, BUYERS, CAPACITY BUILDING, CHANGES IN OWNERSHIP, CHECKS, COLLATERAL, COMMERCIAL BANK, COMMERCIAL BANKS, COMMUNITY BANK, COMPETITOR BANKS, CONTRACT MANAGEMENT, CONTRIBUTIONS, COOPERATIVE BANK, CORPORATE GOVERNANCE, CREDIBILITY, CREDIT COOPERATIVES, CREDIT GROWTH, CREDIT RATINGS, CREDIT RISK, CROSS-BORDER BANKING, DEPENDENT, DEPOSIT, DEPOSITORS, DEPOSITS, DEVELOPING COUNTRIES, DEVELOPMENT BANK, DOMESTIC BANK, DOMESTIC BANKS, DONOR FUNDING, DUMMY VARIABLE, DUMMY VARIABLES, EARNINGS, ECONOMIC CRISIS, ECONOMIC LIBERALIZATION, ECONOMIC POLICIES, EMERGING ECONOMIES, EMERGING MARKETS, ENABLING ENVIRONMENT, ENTREPRENEURS, EXPATRIATES, FINANCE CORPORATION, FINANCIAL DATA, FINANCIAL DEVELOPMENT, FINANCIAL INSTITUTIONS, FINANCIAL INTERMEDIATION, FINANCIAL SECTOR, FINANCIAL SECTOR DEVELOPMENT, FINANCIAL SECTOR REFORMS, FINANCIAL SERVICES, FINANCIAL SUPPORT, FISCAL DEFICITS, FOREIGN BANK, FOREIGN BANKS, FOREIGN ENTRY, FOREIGN INVESTOR, FOREIGN OWNERSHIP, GLOBALIZATION, GOVERNMENT BANKS, GOVERNMENT OWNERSHIP, GOVERNMENT SECURITIES, GROUP OF BANKS, HOLDING, HOLDING COMPANY, INCOME, INCOME STATEMENT, INFLATION, INFLATION RATES, INTEREST RATES, INTERESTED PARTIES, INTERNATIONAL BANK, INTERNATIONAL FINANCE, INVESTING, INVESTMENT CLIMATE, LABOR UNIONS, LOAN, LOAN AMOUNTS, LOAN DEFAULT, LOAN DEFAULT RATES, LOAN PORTFOLIO, LOAN PORTFOLIOS, LOSS-MAKING, MACROECONOMIC STABILITY, MACROECONOMIC STABILIZATION, MANDATE, MANDATES, MARKET SHARE, MERGER, MICRO-LOANS, MICROFINANCE, MICROFINANCE LOANS, MONEY TRANSFER, NATIONAL BANK, NEGOTIATION, NEGOTIATIONS, NEW ENTRANTS, NON-PERFORMING LOAN, NON-PERFORMING LOANS, NPL, NUMBER OF BANKS, ORIGINAL CONTRACT, OTHER ASSETS, OUTREACH, PAYMENT DISCIPLINE, PAYMENTS SYSTEM, PORTFOLIO QUALITY, PRIVATE BANKING, PRIVATE BANKS, PRIVATE CAPITAL, PRIVATE INVESTOR, PRIVATE INVESTORS, PRIVATIZATIONS, PROBABILITIES, PROBABILITY, PRODUCTIVITY, PROFITABILITY, PRUDENTIAL REGULATION, PUBLIC BANKS, RAPID GROWTH, RECAPITALIZATION, REPAYMENT, REPAYMENT RATES, RESTRUCTURING PLAN, RETURN, RETURN ON ASSETS, RETURNS, SALE, SALES, SAVINGS, SENIOR, SHARE OF ASSETS, SHARE OF GOVERNMENT SECURITIES, SHAREHOLDER, SHAREHOLDERS, SMALL BANK, SMALL BANKS, SMALL BUSINESS, SMALL BUSINESS LENDING, STATE BANK, STATE BANKS, STOCK EXCHANGE, STOCK MARKET, STRATEGIC INVESTOR, STRUCTURAL ADJUSTMENT, SUPERVISION OF BANKS, TRAINING COURSES, TRANSACTION, TREASURY, TREASURY OPERATIONS, UNEMPLOYMENT, URBAN BANK