| Author | Zaw Moe |
| Note | A thesis submitted in partial fulfillment of the requirements for the
degree of Professional Master in Banking and Finance, School of Management |
| Publisher | Asian Institute of Technology |
| Abstract | On viewing Myanmar banking system, product range in Myanmar banking industry is not
yet wide. There are few innovations in the products offered. The currency in circulation is
the major portion of the money supply. The banking habit including information
technology (IT) is not yet developed to an appreciable level, and the payment mechanisms
are limited due to low utilization of chaques and lack of short term money market
instruments and financial markets.
In this research proposal, the main objective is to assess the Myanmar banking sector
developments and to estimate banking sector’s future prospect especially domestic private
commercial banks’ moving trends and developments. Development of banking sector
relies on the significant reforms such as policy reform, institutional reform, legal reform
and banking habit changes of old model banking.
According to the economists’ researches, banking sector development is normally
determined by increasing in money supply to Gross Domestic Product (M2/GDP) ratio,
Private Credit/GDP Ratio, Reserve Requirement Ratio and Loan to Deposit ratio of the
banks. Basically, this liquid money or the increasing of money supply to GDP (M2/GDP)
ratio refers to the huge opportunities and a great future for continued growth.
In Myanmar banking system, almost all of private commercial banks enlarge their credit
particularly providing loans to both public and private sector that sometime increases
inflation with fiscal deficit in financial system for developing countries. At the same time
the responsible persons in state owned banks as well as private bankers need to bring about
human resource developments to upgrade the banking system and to use modern IT
technology as far as feasible.
And then the high reserve requirement determined by central bank also is an obstacle for
Myanmar banking sector development and financial intermediation. Because of its high
condition the credit amount for overall sector has been reduced and as a consequence the
investment projects and other industries depending on development and commercial loans
have also decreased.
To explain how to adjust a suitable loan and deposit limit and to measure the volume of
banking sector development, the study of this paper points out by using the (M2/GDP) |
| Year | 2013 |
| Type | Thesis |
| School | School of Management (SOM) |
| Department | Other Field of Studies (No Department) |
| Academic Program/FoS | Master of Business Administration (MBA) (Publication code=SM) |
| Chairperson(s) | Donyaprueth Krairit |
| Examination Committee(s) | Winai Wansurawat;Badir, Yuosre |
| Scholarship Donor(s) | Asian Institute of Technology |