01794cas a2200253 a 4500 AALejournalIMF005911 230101c9999 xx r poo 0 0eng d 5.00 USD 9781451872972 1018-5941 BD-DhAAL BD-DhAAL Charap, Joshua. Development of the Commercial Banking System in Afghanistan : Risks and Rewards / Joshua Charap, Jelena Pavlovic. Washington, D.C. : International Monetary Fund, 2009. 1 online resource (28 pages) IMF Working Papers <strong>Off-Campus Access:</strong> No User ID or Password Required <strong>On-Campus Access:</strong> No User ID or Password Required Electronic access restricted to authorized BRAC University faculty, staff and students Lending practices of commercial banks in Afghanistan were analyzed using CAMEL ratings. Statistically significant correlations were found: Banks with worse ratings (a) had more lending to domestic clients and (b) paid less tax. There was no statistically significant relationship between profits and total assets or between lending/assets versus profit/assets. Interviews of senior management of 8 banks accounting for about 90 percent of the commercial banking system corroborated evidence that poorly rated banks lend to domestic clients, whereas highly rated banks do not lend. Banks that lend extensively domestically engage in extra-judicial, non-traditional contract enforcement. Mode of access: Internet Pavlovic, Jelena. IMF Working Papers; Working Paper ; No. 2009/150 Full text available on IMF http://elibrary.imf.org/view/journals/001/2009/150/001.2009.issue-150-en.xml IMF e-Library