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8/4/2019 National Seminar on Banking Dev in Mya
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แแแแแแแแแแแ
แแแแแแแแแแแแแแแแ
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แแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
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แแแแแแแแแแแแแแแแแแแแ แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแ แแแแแแแแ แแแแแแแแแแแแแ แแแแแแแแแแแแแแแแแแแแแแแแ
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แแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแ
Deposits
Loans
Payment
Guarantee
Remittance
Custody
etter of Credit
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แแแแแแแแแแแแแแแแแแแแ
แแแแแแแแ แแแแแแแแแแแ
แแแแแแแแแแแแ
แแแแแแแแแแแ
แแแแแแแแแแแแแแ
แแแแแแแแแแแแแแ
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1861
Presidency Bank of Bengal
Bombay BengalMadras
Imperial Bank
Reserve Bank ofIndia
1921
1935
nder the British Rule
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Yokohama Specie Bank
Bank of Chettinad
Burma People Bank
nder the Japanese Occupation
1942
1944 Jan
1943 May
State Bank of Burma
State Bank of Burma Act ,1943 Oct
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,Currency and Coinage Act 1946
Burma Currency Board
,Union Bank of Burma Act 1947
Union Bank of Burma
,Union Bank of Burma Act 1952
Union Bank of Burma
v issue currency
v
no issue currency v skeleton framework
v fully fledged Central Bank
State Agricultural Bank State Commercial Bank 19541953
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Sr. National Owned Private Banks
1 Ava Bank Ltd., Yangon
2 Ava Bank Ltd., Mandalay
3 Ava Bank Ltd., Taunggyi
4 Union of Burma Cooperative Bank Ltd.,
5 Bank of Upper Burma Ltd., Maymyo
6 Burmese National Bank Ltd., Yangon
7 Burmese National Bank Ltd., Mandalay
8 East Burma Bank Ltd.,
9 Rangoon Bank Ltd.,
10 Export-Import Bank Ltd.,
11 Burmese Economic Bank Ltd.,
12 Tavoy Bank Ltd., Tavoy
13 Burma Central Commercial Bank Ltd., Yangon
14 Burma Central Commercial Bank Ltd., Taunggyi
15 Burma Central Commercial Bank Ltd., Moulmein
Sr. Foreign Banks
1 Central Bank of India
2 Chartered Bank
3 Habib Bank Ltd.,
4 Hong Kong and Shanghai Banking Corporation
5 India Overseas Bank Ltd.,
6 Mercantile Bank Ltd.,
7 National and Grindlays Bank Ltd.,
8 Netherlands Trading Society Bank
9 Overseas Chinese Banking Corporation Ltd.,
10 Punjub National Bank Ltd.,
11 United Commercial Bank Ltd., Yangon
12 United Commercial Bank Ltd., Mandalay
13 United Commercial Bank Ltd., Moulmein
14 Bank of China
15 Bank of Communication
16 Bank of India
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.15 No of National Own Private Banks
.16 No of Foreign Bank Branches
Union Bank of( )Burma UBB
State Commercial( )Bank SCB
State Agricultural Bank
( )SAB
People Bank
of
Burma( )PBB
.31 No of
People Bank
( )PB
Nationalized by 1963 Law
Monolithic Bank by 1967 Bank Law
Specialized Banks by
1975 Bank Law
Union of Burma( )Bank UBB
Myanma Economic( )Bank MEB
Myanma Foreign( )Trade Bank MFTB
Myanma Agricultural Bank
( )MAB
rocess of Banks Reform under the Socialist System
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแ แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ(แแแแแแแแ แแแแแแแ)
แแแแ แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแ
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแ(แแแแ)
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแ(แแแแ)แแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแ(แแแแ)
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ(แแแแ)
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
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แแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแ (แแแแแแ -
แแแ)แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแ
(แแแแแแ- )
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแ ( urrent
)eposit
แแแแแแแแแแแแแแ ( avings)eposit
แแแแแแแแแแแแแแ ( )ixed Depositแแแแแแแแแแแแ ( )all Depositแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแ ( - )hort term Loanแแแแแแแแแแแแแแ ( - )edium term Loan
แแแแแแแแแแแแแแแ ( - )ong term Loan
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแ ( oans and)dvances
แแแแแแแแแแแแแแแแแแแแ
( )verdraft
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ ( ortgage
)roperties
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแ แแแแแแแแแแแแแ ( ire
)urchase
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ( )easing
แแแแแแแแแแแแแแแแแแแแแแแ
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแ/แแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแ ( )ousing Loan
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ ebit Card แแแแแแแแแแแแแแแแแแแ
redit Card แแแแแแแแแแแแแแแแแแแ TM Card แแแแแแแแแแแแแแแแแแแ
ift Cheque แแแแแแแแแแแแแแแแแแแ
raveler Chequeแแแแแแแแแแแแแแแแแแแ
ayment Order
แแแแแแแแแแแแแแแแแแแแแ /ollection Online Offline
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแ แแแแแแแแแแแแแแแ
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en t r a l B a n k
C u s t o m e r sa n k s
A l i g n m e n t
D e v e l o p m e n t P r o t e c t i o n
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
entral Bank Supervision
ommercial Banks
-ff site Monitoring -n site Examinatio
Reporting
Feedback
Information
Data
Procedu re Record
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแ แแแแแแแแแแ แแแแแแแแแแแแแแแแแแแแแแแแแแแ-
apital Adequacy Ratio
inimum Reserve RequirementRatio
iquidity Ratio
oan to Deposit Ratio
eturn on Equity Ratio eturn on Asset Ratio
xpenditure to Income Ratio
fficiency Ratio
-on performing Loan Ratio
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแ แแแแแแแแแแแแแแแแแแแแแแแแแ
Capital
sset Quality
Management
EarningsLiquidity
M L
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(AMEL Rating Basel(AMEL Rating Basel)ommittee)ommittee
core Remark1 Strong2 Satisfactory
3 Fair4 Margin5 Unsatisfactory
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
redit Risk
iquidity Risk
perational Risk
arket Risk
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ (แแแแแแแแ)
แแแแแแแแแแ แแแแแแแแแแแแแแแแแแแแแแแแแแ แแแแแแแแแแแแแแแ แ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแ แแแแแแแแแแแ
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแ
( )iploma in Banking DB แแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแ แแแแแแแแ แแแแแแ ( )Bแแแแแแแแแแแแแแแแแแแแแแแแแแแแ แแแแแแ(แแแ)แแ
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Banking NetworkBanking Network
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แแแแแแแแแแแแแแแแ
((แแ)) Bank Mail Bank Mail แแแแแแแแแแ FTPFTP
((แแ)) Online Financial Online Financial
ReportingReporting((แแ)) Electronic Funds Electronic Funds
( )Transfer EFT( )Transfer EFT
แแแแแแแแแแแแแแแแแแแแ
((แแ)) Automatic Clearing Automatic Clearing( )House ACH( )House ACH
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ayment System ayment SystemDevelopmentevelopment
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
heque แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
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( )Payment
แแแแแแแแแแแแแแแแแแแแ( )Clearing
แแแแแแแแแแแแแแ(แแแแ)แแแแแแแแแแแแ
แแแแแแแแแแแแแแ( )Settlement
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ayment System ayment SystemDevelopmentevelopment
ManualClearingHouse
AutoClearingHouse
Paper Money Electronic Money
Offline Online
ash Payment
heque Payment
/C Settlement
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แแแแแแแแแแแแแแแแแแแ แแแแแแแแแแแแแแแ แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแ แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ แแแแ
แแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแ( -e)money แแแแแแแแแแแแแแแแแแแแแแแแแแแ
-
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(yanmar Payment Union Card MPU)ebit Card
แแแแแแแแแแ แแแแแแแแแ แแแแแแแแ แแแแแแแแแแ Network แแแ Own Switch แแ
ational Switch แแแแแแแแแแแแแแแ แแแแแแแ แแแแแแแแแแแ แแแแ/ แแแแแแ/ แแ
แแแแแแแแแแแแแแแแแแแแแแCardแแแแแแแแแแแแแแแแแแแแแแแแแแ
( - )Inter Network Model
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eposit Insurance eposit Insurance
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแ ( )Public Deposit
แแแแแแแแแแแ แแแแแแแแแแแ แแแแแแ
แแแแแแแแแแแแ แแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแ
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แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
ayment System Development
โฆ (yanmar Payment Union MPU Debit
)ard แแแแแ แแแแแแแแแแแแแแแแแแแแแแแแแแแ
nline Bill Collection System
แแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแ
แแแแแแแแแแแแแ
แแแแแแแแแแแแแแแแแแแแแแแแแแแแแแ
eposit Insurance
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8/4/2019 National Seminar on Banking Dev in Mya
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