Publication:
Pursuing Efficiency While Maintaining Outreach : Bank Privatization in Tanzania

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dc.contributor.authorCull, Robert
dc.contributor.authorSpreng, Connor P.
dc.date.accessioned2012-05-22T21:52:56Z
dc.date.available2012-05-22T21:52:56Z
dc.date.issued2008-12
dc.description.abstractProfitability 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.en
dc.identifierhttp://documents.worldbank.org/curated/en/2008/12/10140391/pursuing-efficiency-maintaining-outreach-bank-privatization-tanzania
dc.identifier.doi10.1596/1813-9450-4804
dc.identifier.urihttps://hdl.handle.net/10986/6330
dc.languageEnglish
dc.publisherWashington, DC: World Bank
dc.relation.ispartofseriesPolicy Research Working Paper; No. 4804
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO BANKING
dc.subjectACCESS TO BANKING SERVICES
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO SERVICES
dc.subjectACCOUNTING
dc.subjectAGRICULTURAL BANK
dc.subjectASSET ALLOCATION
dc.subjectASSET PORTFOLIO
dc.subjectATMS
dc.subjectBALANCE SHEET
dc.subjectBALANCE SHEETS
dc.subjectBANK BRANCHES
dc.subjectBANK DEPOSITS
dc.subjectBANK LENDING
dc.subjectBANK MERGERS
dc.subjectBANK OF TANZANIA
dc.subjectBANK PORTFOLIO
dc.subjectBANK PRIVATIZATION
dc.subjectBANK REGULATION
dc.subjectBANKING ASSETS
dc.subjectBANKING SECTOR
dc.subjectBANKING SECTOR ASSETS
dc.subjectBANKING SECTOR STABILITY
dc.subjectBANKING SECTORS
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBANKING SYSTEMS
dc.subjectBANKS
dc.subjectBID
dc.subjectBIDS
dc.subjectBIG BANK
dc.subjectBRANCH NETWORK
dc.subjectBRANCH NETWORKS
dc.subjectBUSINESS PLAN
dc.subjectBUYER
dc.subjectBUYERS
dc.subjectCAPACITY BUILDING
dc.subjectCHANGES IN OWNERSHIP
dc.subjectCHECKS
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMUNITY BANK
dc.subjectCOMPETITOR BANKS
dc.subjectCONTRACT MANAGEMENT
dc.subjectCONTRIBUTIONS
dc.subjectCOOPERATIVE BANK
dc.subjectCORPORATE GOVERNANCE
dc.subjectCREDIBILITY
dc.subjectCREDIT COOPERATIVES
dc.subjectCREDIT GROWTH
dc.subjectCREDIT RATINGS
dc.subjectCREDIT RISK
dc.subjectCROSS-BORDER BANKING
dc.subjectDEPENDENT
dc.subjectDEPOSIT
dc.subjectDEPOSITORS
dc.subjectDEPOSITS
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPMENT BANK
dc.subjectDOMESTIC BANK
dc.subjectDOMESTIC BANKS
dc.subjectDONOR FUNDING
dc.subjectDUMMY VARIABLE
dc.subjectDUMMY VARIABLES
dc.subjectEARNINGS
dc.subjectECONOMIC CRISIS
dc.subjectECONOMIC LIBERALIZATION
dc.subjectECONOMIC POLICIES
dc.subjectEMERGING ECONOMIES
dc.subjectEMERGING MARKETS
dc.subjectENABLING ENVIRONMENT
dc.subjectENTREPRENEURS
dc.subjectEXPATRIATES
dc.subjectFINANCE CORPORATION
dc.subjectFINANCIAL DATA
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL SECTOR
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFINANCIAL SECTOR REFORMS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SUPPORT
dc.subjectFISCAL DEFICITS
dc.subjectFOREIGN BANK
dc.subjectFOREIGN BANKS
dc.subjectFOREIGN ENTRY
dc.subjectFOREIGN INVESTOR
dc.subjectFOREIGN OWNERSHIP
dc.subjectGLOBALIZATION
dc.subjectGOVERNMENT BANKS
dc.subjectGOVERNMENT OWNERSHIP
dc.subjectGOVERNMENT SECURITIES
dc.subjectGROUP OF BANKS
dc.subjectHOLDING
dc.subjectHOLDING COMPANY
dc.subjectINCOME
dc.subjectINCOME STATEMENT
dc.subjectINFLATION
dc.subjectINFLATION RATES
dc.subjectINTEREST RATES
dc.subjectINTERESTED PARTIES
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL FINANCE
dc.subjectINVESTING
dc.subjectINVESTMENT CLIMATE
dc.subjectLABOR UNIONS
dc.subjectLOAN
dc.subjectLOAN AMOUNTS
dc.subjectLOAN DEFAULT
dc.subjectLOAN DEFAULT RATES
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN PORTFOLIOS
dc.subjectLOSS-MAKING
dc.subjectMACROECONOMIC STABILITY
dc.subjectMACROECONOMIC STABILIZATION
dc.subjectMANDATE
dc.subjectMANDATES
dc.subjectMARKET SHARE
dc.subjectMERGER
dc.subjectMICRO-LOANS
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE LOANS
dc.subjectMONEY TRANSFER
dc.subjectNATIONAL BANK
dc.subjectNEGOTIATION
dc.subjectNEGOTIATIONS
dc.subjectNEW ENTRANTS
dc.subjectNON-PERFORMING LOAN
dc.subjectNON-PERFORMING LOANS
dc.subjectNPL
dc.subjectNUMBER OF BANKS
dc.subjectORIGINAL CONTRACT
dc.subjectOTHER ASSETS
dc.subjectOUTREACH
dc.subjectPAYMENT DISCIPLINE
dc.subjectPAYMENTS SYSTEM
dc.subjectPORTFOLIO QUALITY
dc.subjectPRIVATE BANKING
dc.subjectPRIVATE BANKS
dc.subjectPRIVATE CAPITAL
dc.subjectPRIVATE INVESTOR
dc.subjectPRIVATE INVESTORS
dc.subjectPRIVATIZATIONS
dc.subjectPROBABILITIES
dc.subjectPROBABILITY
dc.subjectPRODUCTIVITY
dc.subjectPROFITABILITY
dc.subjectPRUDENTIAL REGULATION
dc.subjectPUBLIC BANKS
dc.subjectRAPID GROWTH
dc.subjectRECAPITALIZATION
dc.subjectREPAYMENT
dc.subjectREPAYMENT RATES
dc.subjectRESTRUCTURING PLAN
dc.subjectRETURN
dc.subjectRETURN ON ASSETS
dc.subjectRETURNS
dc.subjectSALE
dc.subjectSALES
dc.subjectSAVINGS
dc.subjectSENIOR
dc.subjectSHARE OF ASSETS
dc.subjectSHARE OF GOVERNMENT SECURITIES
dc.subjectSHAREHOLDER
dc.subjectSHAREHOLDERS
dc.subjectSMALL BANK
dc.subjectSMALL BANKS
dc.subjectSMALL BUSINESS
dc.subjectSMALL BUSINESS LENDING
dc.subjectSTATE BANK
dc.subjectSTATE BANKS
dc.subjectSTOCK EXCHANGE
dc.subjectSTOCK MARKET
dc.subjectSTRATEGIC INVESTOR
dc.subjectSTRUCTURAL ADJUSTMENT
dc.subjectSUPERVISION OF BANKS
dc.subjectTRAINING COURSES
dc.subjectTRANSACTION
dc.subjectTREASURY
dc.subjectTREASURY OPERATIONS
dc.subjectUNEMPLOYMENT
dc.subjectURBAN BANK
dc.titlePursuing Efficiency While Maintaining Outreach : Bank Privatization in Tanzaniaen
dspace.entity.typePublication
okr.crossref.titlePursuing Efficiency While Maintaining Outreach : Bank Privatization In Tanzania
okr.date.doiregistration2025-04-10T12:21:58.609130Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2008/12/10140391/pursuing-efficiency-maintaining-outreach-bank-privatization-tanzania
okr.globalpracticeFinance and Markets
okr.guid135691468761067668
okr.identifier.doi10.1596/1813-9450-4804
okr.identifier.externaldocumentum000158349_20081230221722
okr.identifier.internaldocumentum10140391
okr.identifier.reportWPS4804
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2008/12/30/000158349_20081230221722/Rendered/PDF/WPS4804.pdfen
okr.region.administrativeAfrica
okr.region.countryTanzania
okr.sectorFinance :: General finance sector
okr.themeFinancial and private sector development :: Other financial and private sector development
okr.topicBanks and Banking Reform
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicFinance and Financial Sector Development::Bankruptcy and Resolution of Financial Distress
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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