Publication:
Egyptian National Postal Organization : Postal Financial Services and Access to Finance

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dc.contributor.authorWorld Bank
dc.date.accessioned2014-08-21T20:40:25Z
dc.date.available2014-08-21T20:40:25Z
dc.date.issued2007-08
dc.description.abstractENPO is an organization employing 48,000 staff and operating a network of more than 9,000 access points (of which 3,500 post offices, 6,500 agencies, of which 1,500 are currently active). A commercial entity with management autonomy, ENPO is primarily a provider of basic financial services. Other services are mail (regular and express), parcels and Government services. Postal financial services, with three main business lines (savings, payments and giro services) and 15 million savings accounts, generate around 50% to 60% of ENPO s total revenue, and occupy an estimated 15% of ENPO s staff. Although available accounting and financial information are limited, it seems that postal financial services are operated at a profit. For ENPO which is currently in a transition phase from an administration-type of organization, moving towards a corporate-type of organization, the strategic option will play as an accelerator of change (in case the Government decides for a drastic move towards bancarization) or as a consolidator of incremental reform (in case the Government opts for a progressive approach, potentially using alternative approach to grab the business opportunities of growth, but likely avoiding social tensions within the organization). In any case, moving forward the postal financial services agenda will call for (i) a review of the legal, regulatory and institutional set-up, (ii) building capacity in the network and assessing the return on investments, (iii) rapidly identifying the postal financial services as a business unit within the organization and assess its contribution to profit, as well as (iv) getting a better understanding of the cost structure so as to enable ENPO to be in a strong position during negotiations of service level agreement.en
dc.identifierhttp://documents.worldbank.org/curated/en/2007/08/16396342/egyptian-national-postal-organization-postal-financial-services-access-finance-vol-1-1
dc.identifier.doi10.1596/19613
dc.identifier.urihttps://hdl.handle.net/10986/19613
dc.languageEnglish
dc.language.isoen_US
dc.publisherWorld Bank, Washington, DC
dc.rightsCC BY 3.0 IGO
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS FEE
dc.subjectACCESS POINTS
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO FINANCING
dc.subjectACCESSIBILITY
dc.subjectACCOUNT HOLDER
dc.subjectACCOUNT MANAGEMENT
dc.subjectACCOUNTABILITY
dc.subjectACCOUNTING
dc.subjectACCOUNTING STANDARDS
dc.subjectACCOUNTING SYSTEMS
dc.subjectAFFILIATES
dc.subjectAGRICULTURAL CREDIT
dc.subjectASSET MANAGEMENT
dc.subjectATM CARD
dc.subjectAUDITING
dc.subjectAUTOMATIC TELLER
dc.subjectAUTONOMY
dc.subjectBALANCE INQUIRIES
dc.subjectBALANCE INQUIRY
dc.subjectBANK ACCOUNT
dc.subjectBANK ACCOUNTS
dc.subjectBANK BRANCH
dc.subjectBANK BRANCH NETWORK
dc.subjectBANK BRANCHES
dc.subjectBANK CREDITS
dc.subjectBANKING REFORM
dc.subjectBANKING REGULATION
dc.subjectBANKING SECTOR
dc.subjectBANKING SYSTEM
dc.subjectBOARDS OF DIRECTORS
dc.subjectBORROWING
dc.subjectBUSINESS ACTIVITY
dc.subjectBUSINESS DEVELOPMENT
dc.subjectBUSINESS MANAGEMENT
dc.subjectBUSINESS OPPORTUNITIES
dc.subjectBUSINESS PLAN
dc.subjectBUSINESS STRATEGIES
dc.subjectCAPACITY BUILDING
dc.subjectCAPITAL MARKET
dc.subjectCAPITAL MARKETS
dc.subjectCASH FLOW
dc.subjectCASH PAYMENTS
dc.subjectCASHLESS TRANSACTIONS
dc.subjectCHECKING ACCOUNT
dc.subjectCHECKING ACCOUNTS
dc.subjectCHEQUE PAYMENTS
dc.subjectCIVIL SERVICE
dc.subjectCLEARING HOUSE
dc.subjectCLEARING HOUSES
dc.subjectCLEARINGHOUSES
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMERCIAL TRANSACTIONS
dc.subjectCONSUMER FINANCE
dc.subjectCONTRACTUAL SAVINGS
dc.subjectCORPORATE FINANCE
dc.subjectCORRESPONDENT BANKS
dc.subjectCREDIT CARDS
dc.subjectCREDIT PRODUCTS
dc.subjectCREDIT PROVIDERS
dc.subjectCREDIT TRANSFERS
dc.subjectCURRENCY EXCHANGE
dc.subjectCURRENT ACCOUNTS
dc.subjectCUSTOMER BASE
dc.subjectCUSTOMER RELATIONS
dc.subjectCUSTOMER SERVICE
dc.subjectDEBIT CARD
dc.subjectDEBIT CARDS
dc.subjectDEPOSIT
dc.subjectDEPOSIT MOBILIZATION
dc.subjectDEPOSITORS
dc.subjectDEPOSITS
dc.subjectDIVERSIFICATION
dc.subjectE-COMMERCE
dc.subjectE-GOVERNMENT
dc.subjectECONOMIC GROWTH
dc.subjectEDUCATION LEVEL
dc.subjectEQUITY PARTICIPATION
dc.subjectEXPENDITURE
dc.subjectFARMERS
dc.subjectFINANCES
dc.subjectFINANCIAL ACCESS
dc.subjectFINANCIAL ANALYSIS
dc.subjectFINANCIAL ASSETS
dc.subjectFINANCIAL EXCLUSION
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL REGULATOR
dc.subjectFINANCIAL SECTOR REFORM
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SERVICES PROVIDER
dc.subjectFINANCIAL SERVICES PROVIDERS
dc.subjectFINANCIAL SUPPORT
dc.subjectFINANCIAL SYSTEM
dc.subjectFOREIGN CURRENCY
dc.subjectFOREIGN EXCHANGE
dc.subjectFORMAL FINANCE
dc.subjectFORMAL FINANCIAL SECTOR
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectFORMAL SAVINGS
dc.subjectGOVERNMENT SECURITIES
dc.subjectHIGH INTEREST RATES
dc.subjectHOME OWNERSHIP
dc.subjectHOUSEHOLDS
dc.subjectHOUSING
dc.subjectINCOME GROUPS
dc.subjectINEQUALITY
dc.subjectINFORMATION SYSTEM
dc.subjectINFORMATION SYSTEMS
dc.subjectINFORMATION TECHNOLOGY
dc.subjectINITIAL DEPOSIT
dc.subjectINSURANCE
dc.subjectINTEREST MARGIN
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNAL CONTROLS
dc.subjectINVESTMENT BANK
dc.subjectLACK OF COLLATERAL
dc.subjectLEVEL PLAYING FIELD
dc.subjectLIABILITY MANAGEMENT
dc.subjectLIMITED ACCESS
dc.subjectLOAN CLASSIFICATION
dc.subjectLOAN LOSS PROVISIONS
dc.subjectLOAN SIZES
dc.subjectMANAGEMENT INFORMATION SYSTEMS
dc.subjectMARKET DEVELOPMENT
dc.subjectMARKET DISCIPLINE
dc.subjectMFIS
dc.subjectMICRO CREDIT
dc.subjectMICRO FINANCE
dc.subjectMICRO-CREDIT
dc.subjectMICRO-LOANS
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMIGRATION
dc.subjectMONEY ORDERS
dc.subjectMONEY TRANSFER
dc.subjectMONEY TRANSFERS
dc.subjectMONEYLENDERS
dc.subjectMORTGAGE
dc.subjectMORTGAGE MARKET
dc.subjectMORTGAGE MARKETS
dc.subjectMUNICIPALITIES
dc.subjectMUTUAL FUND
dc.subjectMUTUAL FUNDS
dc.subjectNATIONAL BANK
dc.subjectNATIONAL POSTAL
dc.subjectNET SALES
dc.subjectNEW MARKET
dc.subjectOPERATIONAL COSTS
dc.subjectOUTREACH
dc.subjectOVERDRAFT
dc.subjectPARCELS
dc.subjectPARTNER BANK
dc.subjectPAYMENT COLLECTION
dc.subjectPAYMENT SYSTEMS
dc.subjectPAYMENTS SERVICES
dc.subjectPENSIONS
dc.subjectPOST
dc.subjectPOST OFFICE
dc.subjectPOST OFFICE SAVINGS BANK
dc.subjectPOST OFFICES
dc.subjectPOSTAL BANK
dc.subjectPOSTAL BANKS
dc.subjectPOSTAL FINANCE
dc.subjectPOSTAL FINANCIAL SERVICES
dc.subjectPOSTAL ORGANIZATION
dc.subjectPOSTAL SAVINGS
dc.subjectPRIVATE BANKS
dc.subjectPRIVATE SECTOR BANKS
dc.subjectPRIVATIZATION
dc.subjectPRODUCTIVITY
dc.subjectPROFITABILITY
dc.subjectPUBLIC BANKS
dc.subjectPUBLIC-PRIVATE PARTNERSHIP
dc.subjectREGULATORY FRAMEWORK
dc.subjectREMITTANCE
dc.subjectREMITTANCES
dc.subjectREPAYMENT
dc.subjectRESERVE REQUIREMENTS
dc.subjectRETAIL BANKING
dc.subjectRETAIL BANKS
dc.subjectRETURN ON INVESTMENT
dc.subjectRETURN ON INVESTMENTS
dc.subjectRISK MANAGEMENT
dc.subjectRURAL CREDIT
dc.subjectRURAL CREDIT COOPERATIVES
dc.subjectRURAL FINANCIAL SERVICES
dc.subjectSAFETY NET
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNT
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS BANK
dc.subjectSAVINGS PASSBOOKS
dc.subjectSAVINGS PLANS
dc.subjectSAVINGS PRODUCT
dc.subjectSECURITIES
dc.subjectSMALL LOAN
dc.subjectSMART CARDS
dc.subjectSOCIAL DEVELOPMENT
dc.subjectSOCIAL SECURITY
dc.subjectSOCIAL SERVICES
dc.subjectSOLVENCY
dc.subjectSOURCE OF INFORMATION
dc.subjectSUBSIDIARIES
dc.subjectSUBSIDIARY
dc.subjectSUPERVISORY FRAMEWORK
dc.subjectTAX EXEMPTION
dc.subjectTAX EXEMPTIONS
dc.subjectTECHNICAL ASSISTANCE
dc.subjectTECHNICAL SUPPORT
dc.subjectTRANSPORT
dc.subjectUNION
dc.subjectURBAN AREAS
dc.subjectWAREHOUSES
dc.titleEgyptian National Postal Organization : Postal Financial Services and Access to Financeen
dspace.entity.typePublication
okr.date.disclosure2012-06-19
okr.date.doiregistration2025-05-07T09:49:11.098694Z
okr.doctypeEconomic & Sector Work::Policy Note
okr.doctypeEconomic & Sector Work
okr.docurlhttp://documents.worldbank.org/curated/en/2007/08/16396342/egyptian-national-postal-organization-postal-financial-services-access-finance-vol-1-1
okr.globalpracticeTransport and ICT
okr.globalpracticeFinance and Markets
okr.globalpracticeTrade and Competitiveness
okr.guid172061468023382774
okr.identifier.externaldocumentum000425970_20120619091523
okr.identifier.internaldocumentum16396342
okr.identifier.report69726
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2012/06/19/000425970_20120619091523/Rendered/PDF/697260ESW0P103077B0Reimbursement0TA.pdfen
okr.region.administrativeMiddle East and North Africa
okr.region.countryEgypt, Arab Republic of
okr.sectorInformation and communications :: Postal services
okr.themeFinancial and private sector development :: Infrastructure services for private sector development
okr.themeFinancial and private sector development :: State enterprise/bank restructuring and privatization
okr.topicBanks and Banking Reform
okr.topicInformation and Communication Technologies::Postal Services
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicPrivate Sector Development::Emerging Markets
okr.topicFinance and Financial Sector Development::Access to Finance
okr.unitInformation & Communication Tech (TWICT)
okr.volume1 of 1
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