El Salvador Financial Sector Assessment Program Update : Public Banks
The global financial crisis and ensuing credit crunch has revived the discussion on the role of public sector in the financial system around the world and in El Salvador, authorities have announced plans to step up their activities. A clearly defin...
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| Format: | Report |
| Language: | English en_US |
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Washington, DC
2017
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| Online Access: | http://documents.worldbank.org/curated/en/919061468037136569/El-Salvador-Public-Banks-technical-note http://hdl.handle.net/10986/27737 |
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okr-10986-27737 |
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oai_dc |
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Digital Repository |
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Foreign Institution |
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Digital Repositories |
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World Bank Open Knowledge Repository |
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World Bank |
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English en_US |
| topic |
ACCESS TO CAPITAL ACCESS TO CREDIT ACCESS TO FINANCE ACCOUNTABILITY ACCOUNTING ACCOUNTING TREATMENT ADMINISTRATIVE COSTS AGRICULTURAL PRODUCTS AGRICULTURAL SECTOR ASSET QUALITY ASYMMETRIC INFORMATION AUDITING BALANCE SHEET BANK CREDIT BANK FINANCING BANK LOAN BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKRUPTCY BANKS BLUE CHIP BORROWER BRANCH NETWORK BUSINESS PLAN BUSINESS PLANS BUSINESS STRATEGIES CAPITAL ADEQUACY CAPITAL FINANCE CAPITAL MARKET CAPITAL MARKETS CAPITALIZATION CENTRAL BANKS COLLATERAL COLLATERAL REQUIREMENTS COLLECTION PROCESSES COMMERCIAL BANK COMMERCIAL PAPER CONSOLIDATION CONVERTIBLE DEBENTURES COOPERATIVE BANKS COOPERATIVES CORPORATE GOVERNANCE CORRUPTION CREDIBILITY CREDIT ANALYSIS CREDIT CONSTRAINED FIRMS CREDIT CRUNCH CREDIT ENHANCEMENTS CREDIT GUARANTEE CREDIT GUARANTEES CREDIT HISTORY CREDIT INSTITUTIONS CREDIT LIMITS CREDIT LINES CREDIT ORIGINATION CREDIT PORTFOLIO CREDIT PROCESS CREDIT PROCESSES CREDIT PROVISION CREDIT RISK CREDIT RISKS CREDITORS CREDITS DEBT DEBT FINANCING DEPOSIT DEPOSITS DERIVATIVES DEVELOPMENT BANK DEVELOPMENT BANKS DIRECT CREDIT DIRECT FINANCING DISBURSEMENTS DIVERSIFICATION EARNING ASSETS ECONOMIC GROWTH ECONOMIES OF SCALE ELIGIBILITY CRITERIA EMERGING ECONOMIES EMPLOYEE EMPLOYMENT EQUIPMENT EQUITY FUNDS EQUITY INVESTMENTS EXTERNALITIES FACTORING FARMERS FEDERAL RESERVE FINANCES FINANCIAL AUTHORITIES FINANCIAL CRISIS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIARIES FINANCIAL LIABILITIES FINANCIAL MARKET FINANCIAL MARKETS FINANCIAL PERFORMANCE FINANCIAL PLAYERS FINANCIAL PRODUCTS FINANCIAL SECTOR ASSESSMENT FINANCIAL SERVICES FINANCIAL STABILITY FINANCIAL SUSTAINABILITY FINANCIAL SYSTEM FINANCIAL SYSTEMS FISCAL LOSSES FOREIGN BANKS FOREIGN EXCHANGE FUNDING SOURCE GOVERNANCE STANDARDS GROSS DOMESTIC PRODUCT GUARANTEE FUND GUARANTEE FUNDS GUARANTEE SCHEMES GUARANTIES GUARANTOR HOUSING INSTITUTIONAL CAPACITY INSURANCE INSURED DEPOSITS INTEREST EXPENSE INTEREST INCOME INTEREST RATE INTEREST RATE CEILINGS INTEREST RATES INTERMEDIARY BANKS INTERNATIONAL BANK INTERNATIONAL BANKS INTERNATIONAL MARKETS INVESTMENT BANK INVESTMENT PROJECTS ISSUANCES LEGAL CONSTRAINTS LEGAL PROVISIONS LENDER LENDER OF LAST RESORT LENDERS LENDING PORTFOLIO LEVY LINE OF CREDITS LINES OF CREDIT LIQUID ASSETS LIQUIDATIONS LIQUIDITY LOAN LOAN APPLICATIONS LOAN DEFAULTS LOAN PORTFOLIO LOAN SIZE LONG TERM FINANCING LONG-TERM CAPITAL LONG-TERM FINANCE LONG-TERM FUNDING LOW INTEREST RATES MANDATES MARKET DEVELOPMENT MARKET DISCIPLINE MARKET FAILURE MARKET FAILURES MARKET INTEREST RATE MARKET INTEREST RATES MATURITIES MICROCREDIT MICROFINANCE MONETARY FUND MONETARY POLICY MORTGAGE MUTUAL FUNDS NATIONAL CREDIT NATIONAL TREASURY NET INTEREST MARGIN NON-PERFORMING LOAN NON-PERFORMING LOANS NPL OPERATING COSTS OPERATING EXPENSES OUTSTANDING LOAN PARTIAL CREDIT PENSION PENSION FUND PENSION FUNDS PLEDGE COLLATERAL PRIVATE BANKS PRIVATE COMMERCIAL BANKS PRIVATE CREDITORS PRIVATE EQUITY PRIVATE FINANCIAL SECTOR PRIVATE INVESTMENT PRIVATIZATIONS PROFITABILITY PRUDENTIAL REGULATION PUBLIC BANK PUBLIC BANKS RECESSION RESERVE ACCOUNTS RESERVE REQUIREMENTS RETAIL BANKS RETURN RETURN ON ASSETS RETURN ON EQUITY RETURNS RISK AVERSION RISK MANAGEMENT RISK WEIGHTED ASSETS SECURITIES SECURITIES ISSUANCE SMALL BANK SMALL LOANS SOCIAL CAPITAL SOCIAL DEVELOPMENT SOLVENCY STATE INTERVENTION STATE OWNED BANKS STUDENT LOANS SUBSIDIARIES SUBSIDIARY TECHNICAL ASSISTANCE TELECOMMUNICATIONS TIER 1 CAPITAL TRANSACTION COST TRANSACTION COSTS TREASURY TRUST FUNDS UNEMPLOYMENT |
| spellingShingle |
ACCESS TO CAPITAL ACCESS TO CREDIT ACCESS TO FINANCE ACCOUNTABILITY ACCOUNTING ACCOUNTING TREATMENT ADMINISTRATIVE COSTS AGRICULTURAL PRODUCTS AGRICULTURAL SECTOR ASSET QUALITY ASYMMETRIC INFORMATION AUDITING BALANCE SHEET BANK CREDIT BANK FINANCING BANK LOAN BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKRUPTCY BANKS BLUE CHIP BORROWER BRANCH NETWORK BUSINESS PLAN BUSINESS PLANS BUSINESS STRATEGIES CAPITAL ADEQUACY CAPITAL FINANCE CAPITAL MARKET CAPITAL MARKETS CAPITALIZATION CENTRAL BANKS COLLATERAL COLLATERAL REQUIREMENTS COLLECTION PROCESSES COMMERCIAL BANK COMMERCIAL PAPER CONSOLIDATION CONVERTIBLE DEBENTURES COOPERATIVE BANKS COOPERATIVES CORPORATE GOVERNANCE CORRUPTION CREDIBILITY CREDIT ANALYSIS CREDIT CONSTRAINED FIRMS CREDIT CRUNCH CREDIT ENHANCEMENTS CREDIT GUARANTEE CREDIT GUARANTEES CREDIT HISTORY CREDIT INSTITUTIONS CREDIT LIMITS CREDIT LINES CREDIT ORIGINATION CREDIT PORTFOLIO CREDIT PROCESS CREDIT PROCESSES CREDIT PROVISION CREDIT RISK CREDIT RISKS CREDITORS CREDITS DEBT DEBT FINANCING DEPOSIT DEPOSITS DERIVATIVES DEVELOPMENT BANK DEVELOPMENT BANKS DIRECT CREDIT DIRECT FINANCING DISBURSEMENTS DIVERSIFICATION EARNING ASSETS ECONOMIC GROWTH ECONOMIES OF SCALE ELIGIBILITY CRITERIA EMERGING ECONOMIES EMPLOYEE EMPLOYMENT EQUIPMENT EQUITY FUNDS EQUITY INVESTMENTS EXTERNALITIES FACTORING FARMERS FEDERAL RESERVE FINANCES FINANCIAL AUTHORITIES FINANCIAL CRISIS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIARIES FINANCIAL LIABILITIES FINANCIAL MARKET FINANCIAL MARKETS FINANCIAL PERFORMANCE FINANCIAL PLAYERS FINANCIAL PRODUCTS FINANCIAL SECTOR ASSESSMENT FINANCIAL SERVICES FINANCIAL STABILITY FINANCIAL SUSTAINABILITY FINANCIAL SYSTEM FINANCIAL SYSTEMS FISCAL LOSSES FOREIGN BANKS FOREIGN EXCHANGE FUNDING SOURCE GOVERNANCE STANDARDS GROSS DOMESTIC PRODUCT GUARANTEE FUND GUARANTEE FUNDS GUARANTEE SCHEMES GUARANTIES GUARANTOR HOUSING INSTITUTIONAL CAPACITY INSURANCE INSURED DEPOSITS INTEREST EXPENSE INTEREST INCOME INTEREST RATE INTEREST RATE CEILINGS INTEREST RATES INTERMEDIARY BANKS INTERNATIONAL BANK INTERNATIONAL BANKS INTERNATIONAL MARKETS INVESTMENT BANK INVESTMENT PROJECTS ISSUANCES LEGAL CONSTRAINTS LEGAL PROVISIONS LENDER LENDER OF LAST RESORT LENDERS LENDING PORTFOLIO LEVY LINE OF CREDITS LINES OF CREDIT LIQUID ASSETS LIQUIDATIONS LIQUIDITY LOAN LOAN APPLICATIONS LOAN DEFAULTS LOAN PORTFOLIO LOAN SIZE LONG TERM FINANCING LONG-TERM CAPITAL LONG-TERM FINANCE LONG-TERM FUNDING LOW INTEREST RATES MANDATES MARKET DEVELOPMENT MARKET DISCIPLINE MARKET FAILURE MARKET FAILURES MARKET INTEREST RATE MARKET INTEREST RATES MATURITIES MICROCREDIT MICROFINANCE MONETARY FUND MONETARY POLICY MORTGAGE MUTUAL FUNDS NATIONAL CREDIT NATIONAL TREASURY NET INTEREST MARGIN NON-PERFORMING LOAN NON-PERFORMING LOANS NPL OPERATING COSTS OPERATING EXPENSES OUTSTANDING LOAN PARTIAL CREDIT PENSION PENSION FUND PENSION FUNDS PLEDGE COLLATERAL PRIVATE BANKS PRIVATE COMMERCIAL BANKS PRIVATE CREDITORS PRIVATE EQUITY PRIVATE FINANCIAL SECTOR PRIVATE INVESTMENT PRIVATIZATIONS PROFITABILITY PRUDENTIAL REGULATION PUBLIC BANK PUBLIC BANKS RECESSION RESERVE ACCOUNTS RESERVE REQUIREMENTS RETAIL BANKS RETURN RETURN ON ASSETS RETURN ON EQUITY RETURNS RISK AVERSION RISK MANAGEMENT RISK WEIGHTED ASSETS SECURITIES SECURITIES ISSUANCE SMALL BANK SMALL LOANS SOCIAL CAPITAL SOCIAL DEVELOPMENT SOLVENCY STATE INTERVENTION STATE OWNED BANKS STUDENT LOANS SUBSIDIARIES SUBSIDIARY TECHNICAL ASSISTANCE TELECOMMUNICATIONS TIER 1 CAPITAL TRANSACTION COST TRANSACTION COSTS TREASURY TRUST FUNDS UNEMPLOYMENT International Monetary Fund World Bank El Salvador Financial Sector Assessment Program Update : Public Banks |
| geographic_facet |
Latin America & Caribbean El Salvador |
| description |
The global financial crisis and ensuing
credit crunch has revived the discussion on the role of
public sector in the financial system around the world and
in El Salvador, authorities have announced plans to step up
their activities. A clearly defined strategy for the public
banks, focused on complementing private sector activity, is
necessary as their activities expand to improve access to
finance and diversify the sources of funding. Any process of
growth needs to accompany by improvement in risk management
processes, governance arrangements and enhanced supervision.
Going forward, the two public retail banks should increase
their specialization in different market segments. The
development bank role can be enhanced while maintaining its
second tier status. To make the guarantee funds effective,
in addition to scale their size, several operational
features need to be improved. |
| format |
Report |
| author |
International Monetary Fund World Bank |
| author_facet |
International Monetary Fund World Bank |
| author_sort |
International Monetary Fund |
| title |
El Salvador Financial Sector Assessment Program Update : Public Banks |
| title_short |
El Salvador Financial Sector Assessment Program Update : Public Banks |
| title_full |
El Salvador Financial Sector Assessment Program Update : Public Banks |
| title_fullStr |
El Salvador Financial Sector Assessment Program Update : Public Banks |
| title_full_unstemmed |
El Salvador Financial Sector Assessment Program Update : Public Banks |
| title_sort |
el salvador financial sector assessment program update : public banks |
| publisher |
Washington, DC |
| publishDate |
2017 |
| url |
http://documents.worldbank.org/curated/en/919061468037136569/El-Salvador-Public-Banks-technical-note http://hdl.handle.net/10986/27737 |
| _version_ |
1764464488253227008 |
| spelling |
okr-10986-277372021-04-23T14:04:42Z El Salvador Financial Sector Assessment Program Update : Public Banks International Monetary Fund World Bank ACCESS TO CAPITAL ACCESS TO CREDIT ACCESS TO FINANCE ACCOUNTABILITY ACCOUNTING ACCOUNTING TREATMENT ADMINISTRATIVE COSTS AGRICULTURAL PRODUCTS AGRICULTURAL SECTOR ASSET QUALITY ASYMMETRIC INFORMATION AUDITING BALANCE SHEET BANK CREDIT BANK FINANCING BANK LOAN BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKRUPTCY BANKS BLUE CHIP BORROWER BRANCH NETWORK BUSINESS PLAN BUSINESS PLANS BUSINESS STRATEGIES CAPITAL ADEQUACY CAPITAL FINANCE CAPITAL MARKET CAPITAL MARKETS CAPITALIZATION CENTRAL BANKS COLLATERAL COLLATERAL REQUIREMENTS COLLECTION PROCESSES COMMERCIAL BANK COMMERCIAL PAPER CONSOLIDATION CONVERTIBLE DEBENTURES COOPERATIVE BANKS COOPERATIVES CORPORATE GOVERNANCE CORRUPTION CREDIBILITY CREDIT ANALYSIS CREDIT CONSTRAINED FIRMS CREDIT CRUNCH CREDIT ENHANCEMENTS CREDIT GUARANTEE CREDIT GUARANTEES CREDIT HISTORY CREDIT INSTITUTIONS CREDIT LIMITS CREDIT LINES CREDIT ORIGINATION CREDIT PORTFOLIO CREDIT PROCESS CREDIT PROCESSES CREDIT PROVISION CREDIT RISK CREDIT RISKS CREDITORS CREDITS DEBT DEBT FINANCING DEPOSIT DEPOSITS DERIVATIVES DEVELOPMENT BANK DEVELOPMENT BANKS DIRECT CREDIT DIRECT FINANCING DISBURSEMENTS DIVERSIFICATION EARNING ASSETS ECONOMIC GROWTH ECONOMIES OF SCALE ELIGIBILITY CRITERIA EMERGING ECONOMIES EMPLOYEE EMPLOYMENT EQUIPMENT EQUITY FUNDS EQUITY INVESTMENTS EXTERNALITIES FACTORING FARMERS FEDERAL RESERVE FINANCES FINANCIAL AUTHORITIES FINANCIAL CRISIS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIARIES FINANCIAL LIABILITIES FINANCIAL MARKET FINANCIAL MARKETS FINANCIAL PERFORMANCE FINANCIAL PLAYERS FINANCIAL PRODUCTS FINANCIAL SECTOR ASSESSMENT FINANCIAL SERVICES FINANCIAL STABILITY FINANCIAL SUSTAINABILITY FINANCIAL SYSTEM FINANCIAL SYSTEMS FISCAL LOSSES FOREIGN BANKS FOREIGN EXCHANGE FUNDING SOURCE GOVERNANCE STANDARDS GROSS DOMESTIC PRODUCT GUARANTEE FUND GUARANTEE FUNDS GUARANTEE SCHEMES GUARANTIES GUARANTOR HOUSING INSTITUTIONAL CAPACITY INSURANCE INSURED DEPOSITS INTEREST EXPENSE INTEREST INCOME INTEREST RATE INTEREST RATE CEILINGS INTEREST RATES INTERMEDIARY BANKS INTERNATIONAL BANK INTERNATIONAL BANKS INTERNATIONAL MARKETS INVESTMENT BANK INVESTMENT PROJECTS ISSUANCES LEGAL CONSTRAINTS LEGAL PROVISIONS LENDER LENDER OF LAST RESORT LENDERS LENDING PORTFOLIO LEVY LINE OF CREDITS LINES OF CREDIT LIQUID ASSETS LIQUIDATIONS LIQUIDITY LOAN LOAN APPLICATIONS LOAN DEFAULTS LOAN PORTFOLIO LOAN SIZE LONG TERM FINANCING LONG-TERM CAPITAL LONG-TERM FINANCE LONG-TERM FUNDING LOW INTEREST RATES MANDATES MARKET DEVELOPMENT MARKET DISCIPLINE MARKET FAILURE MARKET FAILURES MARKET INTEREST RATE MARKET INTEREST RATES MATURITIES MICROCREDIT MICROFINANCE MONETARY FUND MONETARY POLICY MORTGAGE MUTUAL FUNDS NATIONAL CREDIT NATIONAL TREASURY NET INTEREST MARGIN NON-PERFORMING LOAN NON-PERFORMING LOANS NPL OPERATING COSTS OPERATING EXPENSES OUTSTANDING LOAN PARTIAL CREDIT PENSION PENSION FUND PENSION FUNDS PLEDGE COLLATERAL PRIVATE BANKS PRIVATE COMMERCIAL BANKS PRIVATE CREDITORS PRIVATE EQUITY PRIVATE FINANCIAL SECTOR PRIVATE INVESTMENT PRIVATIZATIONS PROFITABILITY PRUDENTIAL REGULATION PUBLIC BANK PUBLIC BANKS RECESSION RESERVE ACCOUNTS RESERVE REQUIREMENTS RETAIL BANKS RETURN RETURN ON ASSETS RETURN ON EQUITY RETURNS RISK AVERSION RISK MANAGEMENT RISK WEIGHTED ASSETS SECURITIES SECURITIES ISSUANCE SMALL BANK SMALL LOANS SOCIAL CAPITAL SOCIAL DEVELOPMENT SOLVENCY STATE INTERVENTION STATE OWNED BANKS STUDENT LOANS SUBSIDIARIES SUBSIDIARY TECHNICAL ASSISTANCE TELECOMMUNICATIONS TIER 1 CAPITAL TRANSACTION COST TRANSACTION COSTS TREASURY TRUST FUNDS UNEMPLOYMENT The global financial crisis and ensuing credit crunch has revived the discussion on the role of public sector in the financial system around the world and in El Salvador, authorities have announced plans to step up their activities. A clearly defined strategy for the public banks, focused on complementing private sector activity, is necessary as their activities expand to improve access to finance and diversify the sources of funding. Any process of growth needs to accompany by improvement in risk management processes, governance arrangements and enhanced supervision. Going forward, the two public retail banks should increase their specialization in different market segments. The development bank role can be enhanced while maintaining its second tier status. To make the guarantee funds effective, in addition to scale their size, several operational features need to be improved. 2017-08-10T21:26:19Z 2017-08-10T21:26:19Z 2010-11 Report http://documents.worldbank.org/curated/en/919061468037136569/El-Salvador-Public-Banks-technical-note http://hdl.handle.net/10986/27737 English en_US CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo World Bank Washington, DC Economic & Sector Work :: Financial Sector Assessment Program Economic & Sector Work Latin America & Caribbean El Salvador |