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Privatization of Banking Sector in Pakistan
(A Case Study of MCB & ABL)

Ph.D. Dissertation

Submitted to Prof. Dr. Bahadar Shah Supervisor

Researcher Bakhtiar Khan

Department of Public Administration Gomal University, Dera Ismail Khan N.W.F.P. Pakistan

Table of Contents Page No i ii iii v vi viii

Abstract Acknowledgements List of Tables List of Figures Appendix List Introduction

Chapter: 1

Introduction
1 1 3 4 8 10 10 10 11 11 12 12 13 14 15 17 18 20 21 24 24 24 26 28 33 34 35 36 42 42 45 46 48 48

1. Description of the Study 1.1 Privatization 1.2. Types and Techniques of Privatization 1.3. Privatization process in Pakistan 1.4. Steps in Privatization in Pakistan 1.4.1 Identification 1.4.2 Hiring of Financial Advisor 1.4.3 Due Diligence 1.4.4 Enacting any needed regulatory a sectoral reform 1.4.5 Valuation of property 1.4.6 Pre-Bid and Bid Process 1.4.7 Post-Bid Matters 1.5 General Objectives of Privatization 1.6. Modalities of Privatization in Pakistan 1.7. Implications of Bank Privatization 1.8. Privatization of Banks Privatization of Banks in Pakistan 1.9. 1.9.1 Muslim Commercial Bank Limited. 1.9.2. Allied Bank Limited 1.9.3 Overview 1.9.4 Historical Background 1.9.4.1 Pre- Nationalization Stage 1.9.4.2 Nationalization Stage 1.9.4.3 Privatization Stage 1.10. Objectives of Privatization of Banks 1.11. Scope of the Study 1.12 Objectives of Study 1.13. Methodology

Chapter: 2 Literature Review
2.1 2.2 2.3 2.4 2.5 2.6 Introduction Privatization of Banks and its Efficiency Privatization of Banks and its impact on Economy Privatization of Banks and its impact on Employees Privatization of Banks and its impact on Customers Privatization of Banks and Regulation

Chapter 3: Privatization of Banks and Its Impact on Efficiency 3.1 3.2 3.3 3.3.1 3.3.2 3.3.3 3.3.4 3.3.5 3.3.6 3.3.7 3.3.8 3.3.9 3.3.10 3.3.11 3.4. 3.4.1 3.4.2 3.4.3 3.4.4 3.4.5 3.4.6 3.4.7 3.4.8 3.4.9 3.5 3.6 4.1 4.2 4.3 4.4 4.4.1 4.4.2 4.4.3 4.4.4 4.4.5 4.4.6 4.4.7 4.4.8 4.5 4.5.1 4.5.2 4.6 4.6.1 4.6.2 Introduction Data Envelope Analysis Efficiency gains of two banks, MCB & ABL Transaction Cost Asset Quality Risk Measurement Interest Rate Risk Capital Risk Capital Adequacy Measurement Interest Rate Spread Intermediation Proxies Management Competence Earning and Profitability Liquidity Management Comparative study of Private vs. Public Bank Introduction Ratio used in Analysis Earning Assets to Total Assets Return on Earning Assets Interest Margin to Total Assets Loan Loss Coverage Ratio Equity Capital to Total Assets Deposit Time Capital Loans to Deposits Findings Conclusion Introduction Privatization of Banks and its Impact on Economy Hypotheses Investment Effect of Freezing of Foreign Currency Accounts Effects of Nuclear Tests on Investment Role of Banks Intermediating Foreign Capital Inflows Hesitation on the Part of Foreign Investors Pakistan Financial Markets Efficiency Liberalization in Pakistan to Ensure Inflow of FDI Modes of Financing in Pakistan Deposits Test of Sub-hypothesis No 1 Results of Sub-hypothesis No. 1 Findings Test of Sub-hypothesis No. 2 Results of Sub-hypothesis No. 2 Findings 49 54 57 57 59 61 62 62 63 64 68 69 70 71 73 73 74 74 74 74 75 75 76 76 83 84 89 91 94 95 96 96 97 97 97 98 99 99 101 102 103 104 105 106

Chapter 4: Privatization and its Impact on Economy

4.7 4.8 4.9 5.1 5.2 5.3 5.3.1 5.3.2 5.3.3 5.4 5.5 5.6 5.7 5.8 5.9 5.10 6.1 6.2 6.3 6.4 6.5 6.5.1 6.5.2 6.6 6.7

Impact of MCB & AQBL on Economic Growth Privatization and Fiscal Deficit Conclusion Introduction Does Privatization Affect Labor? Characteristics of Labor Market in Pakistan Overstaffing Generous Pay and Benefits Labors Union Influence Privatization Employment Impact Labor Force Reduction New Jobs Creations Factors, which will determine the extent of that impact Protection of the Interest of the Workers Findings Conclusion Introduction Characteristics of Commercial Banks in Pakistan Customer’s Problems Challenges faced by Commercial...
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