Microfinance as a Regular Commercial Banking Product
Hatton National Bank is the largest private commercial bank in Sri Lanka and one of the handful of commercial banks in the world that have initiated microfinance programs. The bank launched its program in 1989 as an integral part of its operations,...
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World Bank, Washington, DC
2012
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| Online Access: | http://documents.worldbank.org/curated/en/1997/11/441755/microfinance-regular-commercial-banking-product http://hdl.handle.net/10986/11567 |
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okr-10986-115672021-04-23T14:02:56Z Microfinance as a Regular Commercial Banking Product Gallardo, Joselito S. Randhawa, Bikki K. Sacay, Orlando J. ACCOUNTING ADMINISTRATIVE COSTS ASSET TURNOVER AUTONOMY BANK BANKING SERVICES BRANCHES CAPITAL ADEQUACY CAPITAL LOANS COLLATERAL COMMERCIAL BANKS COMMERCIAL LOANS CORPORATE RESTRUCTURING DEPOSIT MOBILIZATION DEPOSITS EARNING POWER EQUITY FINANCING EXPANSION FINANCIAL DATA FINANCIAL REPORTING GROSS REVENUES INDONESIA INTEREST EXPENSE INTEREST RATES INTERNATIONAL BANKING INVESTMENT BANKING LOAN LOSS PROVISIONS MANAGEMENT REPORTS MATURITIES MICROENTERPRISES MICROFINANCE MICROFINANCE PROGRAMS MICROLOANS MORTGAGE LOANS OPERATING EXPENSES PRODUCTIVITY PROFITABILITY RURAL BANKS SAVINGS SAVINGS ACCOUNTS SMALL ENTERPRISES SUSTAINABILITY TIME DEPOSITS TRANSACTION COSTS UNSECURED LOANS MICROFINANCE COMMERCIAL BANKS POVERTY ASSESSMENTS POVERTY REDUCTION POVERTY MITIGATION LOAN REPAYMENTS LOAN INVESTMENTS MICRO-CREDIT PROGRAMS RURAL AREAS COMMUNITY PARTICIPATION DATA COLLECTING DATA BASE MANAGEMENT SYSTEMS PROFITABILITY OPERATING COSTS BANKING SYSTEMS PERFORMANCE CRITERIA PERFORMANCE EVALUATION PERFORMANCE STANDARDS BANKING REGULATIONS Hatton National Bank is the largest private commercial bank in Sri Lanka and one of the handful of commercial banks in the world that have initiated microfinance programs. The bank launched its program in 1989 as an integral part of its operations, motivated by two business objectives. First, the program aims to protect the bank s market share from state-owned rural banks and nonbank microfinance institutions such as credit cooperatives, especially in rural and semiurban areas, where more than 75 percent of the country s population lives. Second, the program is an investment in the future: it targets microfinance clients with the potential to grow into small enterprises in the formal sector. This Note profiles Hatton National Bank's microfinance operations, highlighting two questions: How does a privately owned bank downscale part of its operations for microfinance? Is microfinance consistent with profit orientation? 2012-08-13T15:24:58Z 2012-08-13T15:24:58Z 1997-11 http://documents.worldbank.org/curated/en/1997/11/441755/microfinance-regular-commercial-banking-product http://hdl.handle.net/10986/11567 English Viewpoint: Public Policy for the Private Sector; Note No. 131 CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Publications & Research :: Viewpoint Publications & Research South Asia Sri Lanka |
| repository_type |
Digital Repository |
| institution_category |
Foreign Institution |
| institution |
Digital Repositories |
| building |
World Bank Open Knowledge Repository |
| collection |
World Bank |
| language |
English |
| topic |
ACCOUNTING ADMINISTRATIVE COSTS ASSET TURNOVER AUTONOMY BANK BANKING SERVICES BRANCHES CAPITAL ADEQUACY CAPITAL LOANS COLLATERAL COMMERCIAL BANKS COMMERCIAL LOANS CORPORATE RESTRUCTURING DEPOSIT MOBILIZATION DEPOSITS EARNING POWER EQUITY FINANCING EXPANSION FINANCIAL DATA FINANCIAL REPORTING GROSS REVENUES INDONESIA INTEREST EXPENSE INTEREST RATES INTERNATIONAL BANKING INVESTMENT BANKING LOAN LOSS PROVISIONS MANAGEMENT REPORTS MATURITIES MICROENTERPRISES MICROFINANCE MICROFINANCE PROGRAMS MICROLOANS MORTGAGE LOANS OPERATING EXPENSES PRODUCTIVITY PROFITABILITY RURAL BANKS SAVINGS SAVINGS ACCOUNTS SMALL ENTERPRISES SUSTAINABILITY TIME DEPOSITS TRANSACTION COSTS UNSECURED LOANS MICROFINANCE COMMERCIAL BANKS POVERTY ASSESSMENTS POVERTY REDUCTION POVERTY MITIGATION LOAN REPAYMENTS LOAN INVESTMENTS MICRO-CREDIT PROGRAMS RURAL AREAS COMMUNITY PARTICIPATION DATA COLLECTING DATA BASE MANAGEMENT SYSTEMS PROFITABILITY OPERATING COSTS BANKING SYSTEMS PERFORMANCE CRITERIA PERFORMANCE EVALUATION PERFORMANCE STANDARDS BANKING REGULATIONS |
| spellingShingle |
ACCOUNTING ADMINISTRATIVE COSTS ASSET TURNOVER AUTONOMY BANK BANKING SERVICES BRANCHES CAPITAL ADEQUACY CAPITAL LOANS COLLATERAL COMMERCIAL BANKS COMMERCIAL LOANS CORPORATE RESTRUCTURING DEPOSIT MOBILIZATION DEPOSITS EARNING POWER EQUITY FINANCING EXPANSION FINANCIAL DATA FINANCIAL REPORTING GROSS REVENUES INDONESIA INTEREST EXPENSE INTEREST RATES INTERNATIONAL BANKING INVESTMENT BANKING LOAN LOSS PROVISIONS MANAGEMENT REPORTS MATURITIES MICROENTERPRISES MICROFINANCE MICROFINANCE PROGRAMS MICROLOANS MORTGAGE LOANS OPERATING EXPENSES PRODUCTIVITY PROFITABILITY RURAL BANKS SAVINGS SAVINGS ACCOUNTS SMALL ENTERPRISES SUSTAINABILITY TIME DEPOSITS TRANSACTION COSTS UNSECURED LOANS MICROFINANCE COMMERCIAL BANKS POVERTY ASSESSMENTS POVERTY REDUCTION POVERTY MITIGATION LOAN REPAYMENTS LOAN INVESTMENTS MICRO-CREDIT PROGRAMS RURAL AREAS COMMUNITY PARTICIPATION DATA COLLECTING DATA BASE MANAGEMENT SYSTEMS PROFITABILITY OPERATING COSTS BANKING SYSTEMS PERFORMANCE CRITERIA PERFORMANCE EVALUATION PERFORMANCE STANDARDS BANKING REGULATIONS Gallardo, Joselito S. Randhawa, Bikki K. Sacay, Orlando J. Microfinance as a Regular Commercial Banking Product |
| geographic_facet |
South Asia Sri Lanka |
| relation |
Viewpoint: Public Policy for the Private Sector; Note No. 131 |
| description |
Hatton National Bank is the largest
private commercial bank in Sri Lanka and one of the handful
of commercial banks in the world that have initiated
microfinance programs. The bank launched its program in 1989
as an integral part of its operations, motivated by two
business objectives. First, the program aims to protect the
bank s market share from state-owned rural banks and nonbank
microfinance institutions such as credit cooperatives,
especially in rural and semiurban areas, where more than 75
percent of the country s population lives. Second, the
program is an investment in the future: it targets
microfinance clients with the potential to grow into small
enterprises in the formal sector. This Note profiles Hatton
National Bank's microfinance operations, highlighting
two questions: How does a privately owned bank downscale
part of its operations for microfinance? Is microfinance
consistent with profit orientation? |
| format |
Publications & Research :: Viewpoint |
| author |
Gallardo, Joselito S. Randhawa, Bikki K. Sacay, Orlando J. |
| author_facet |
Gallardo, Joselito S. Randhawa, Bikki K. Sacay, Orlando J. |
| author_sort |
Gallardo, Joselito S. |
| title |
Microfinance as a Regular Commercial Banking Product |
| title_short |
Microfinance as a Regular Commercial Banking Product |
| title_full |
Microfinance as a Regular Commercial Banking Product |
| title_fullStr |
Microfinance as a Regular Commercial Banking Product |
| title_full_unstemmed |
Microfinance as a Regular Commercial Banking Product |
| title_sort |
microfinance as a regular commercial banking product |
| publisher |
World Bank, Washington, DC |
| publishDate |
2012 |
| url |
http://documents.worldbank.org/curated/en/1997/11/441755/microfinance-regular-commercial-banking-product http://hdl.handle.net/10986/11567 |
| _version_ |
1764417200995696640 |