काठमाडौं । सरकारले बैंकहरू मर्जर गर्ने र संख्या घटाउने नीति लिएपछि २०७० पछि बैंक तथा वित्तीय संस्थाहरूको संख्या घट्दै गएको छ । एउटा संस्था अर्कोमा मर्जर गर्ने र संख्या घटाएर संस्था बलियो बनाउने नीति केन्द्रीय बैंकले लिएका कारण २०७० सम्म इजाजत बाँडेका बैंकहरू त्यसपछि भने मर्जर गर्नमा जोड दिइएको थियो । नेपाल राष्ट्र बैंकले २०७० सालसम्ममा ८९ वट विकास बैंकलाई अनुमति दिएको भएपनि त्यसपछि भने यसको सख्या घटाउन मर्जरमा जोड दिन थालेको थियो ।
पछिल्लो सात वर्षमा सबैभन्दा बढी मर्ज भएका वित्तीय संस्थाहरूमा विकास बैैंक नै सबैभन्दा अगाडि आउँछ । यो अवधिमा नेपालमा ७१ वटा विकास बैंक एक अर्कामा मर्ज भएर घटेका छन् । मर्ज भएर दायरा ठूलो भएकादेखि अरु वाणिज्य बैकले प्राप्ति गरेर विलय भएका कारण हाल विकास बैंकको संख्या जम्मा १८ वटामा सिमिति भएका छन् । पछिल्लो समय चालू आर्थिक वर्षको मौद्रिक नीतिसँगै राष्ट्र बैंकले विकास बैंकलाई नघटाउने अघोषित नीति लिएको छ । विकास बैंकहरूले पनि अब संख्या घटाउन नहुने र विकास बैंक जोगाएर जानुपर्ने तर्क दिइरहेका छन् ।
डेभलपमेन्ट बैंकर्स एसोसिएसनका अध्यक्ष प्रद्युमन पोखरेल देश विकासमा जिल्लादेखि केन्द्रसम्मै सेवा दिन विकास बैंकको पनि उत्तिकै ठूलो भूमिका रहेको बताउँछन् । विकास बैैंकहरू गाभिएर वा प्राप्ति गरेर बलिया भएका छन् । विकास बैंक अब घटाउन नहुने र यसको योगदानलाई कदर गरिनुपर्ने आवाज आफूहरुले उठाइरहेको पोखरेल बताउँछन ।
कामना सेवा विकास बैंकका प्रमुख कार्यकारी अधिकृत (सीईओ) प्रविण बस्नेत पनि अब विकास बैंक नघटाउने भनेर केन्द्रीय बैंकले भनेपनि प्रतिपर्धात्मक बजारमा टिक्न र अब्बल हुन भने संघर्षका विषयमा हुने सबै काम बिजनेश डिसिजनमा छोड्नुपर्ने तर्क गर्छन् ।
बस्नेतका अनुसार यस्तो निर्णय गर्दा शेयर लगानीकर्तालाई लाभ हुन्छ र लगानीकर्ताको शेयरको मूल्य बढाउँछ भने उपयुक्त निर्णय बैंकहरू आफैंले गर्न सक्छन् । तर, राष्ट्र बैकले अब विकास बैंकलाई नै एक आपसमा मर्ज हुनैपर्ने र संख्या घटाउनैपर्ने भन्नेर दबाव दिनु भने नहुने उनको तर्क छ ।
विजनेश गर्दै जाँदा उपयुक्त प्रस्ताव आए कुनै पनि संस्थाले त्यसलाई स्वीकार गर्नुपर्छ भन्ने तर्क गर्ने बस्नेत मर्जर वा प्राप्ति के गर्ने भन्ने विषय सम्बन्धित बैंककै जिम्मा छोड्नपर्ने बेला भएको बताउँछन् ।
नेपाल राष्ट्र बैंकका प्रवक्ता देवकुमार ढकाल बैैंकहरू धेरै हुँदा र अस्वस्थ प्रतिस्पर्धा हुन थालेपछि बलियो संस्था बनाउन मर्जरको नीति लिएको बताउँछन् । बैैंक तथा वित्तीय संस्था मर्जरले उनीहरूलाई नै लाभ भएको छ भने अहिले टिक्ने र प्रतिस्पर्धा गर्न सक्ने अवस्थामा पुगेको पनि बताउँछन् । अब राष्ट्र बैंकले कसैलाई पनि दबाब दिएर मर्जरमा जाऊ भन्नु भन्दा पनि सहुलियत र सेवा सुविधा दिने र आवश्यकता अनुसार मर्ज होउन भनेर स्वतन्त्र नै छाडेको बुझाई ढकालेको छ ।
हाल सञ्चालनमा रहेका विकास बैंकहरू
राष्ट्र बैंकबाट अनुमति पाएका र मर्जर अगाडिका विकास बैंकहरू मर्जरपछि विलए भएका र नयाँ संख्या बनेका विकास बैंकहरू
S.N |
Name of Companies |
Company Name (After Merger) |
Joint Transaction Date |
Status |
1 |
Himchuli Bikash Bank Limited & Birgunj Finance Limited |
11/1/2010 |
Completed |
|
2 |
Kasthamandap Development Limited & Shikhar Finance Limited |
4/13/2012 |
Completed |
|
3 |
Infrastructure Development Limited & Swastik Merchant Finance Limited |
7/10/2012 |
Completed |
|
4 |
Business Development Limited & Universal Finance Limited |
4/4/2012 |
Completed |
|
5 |
Annapurna Development Limited & Sudarshan Finance Limited |
Suprem Development Bank Ltd. |
7/13/2012 |
Completed |
6 |
Pashupati Development Limited & Udham Bikash Bank Limited |
7/13/2012 |
Completed |
|
7 |
Vibor Bikash Bank Limited & Bhajuratna Finanace Limited |
9/2/2012 |
Completed |
|
8 |
Shine Development Bank Limited & Resunga Bikash bank Limited |
6/30/2013 |
Completed |
|
9 |
Diyalo Bikash Bank Limited & Professional Development Limited |
6/30/2013 |
Completed |
|
10 |
Araniko Development Limited & Surya Development limited |
7/14/2013 |
Completed |
|
11 |
Global IME Bank Limited & Social Development Limited & Gulmi Bikash Bank Limited |
7/14/2013 |
Completed |
|
12 |
Prabhu Finance Limited & Sambridhi Bikash Bank Limited & Baibhav Finance Limited |
7/14/2013 |
Completed |
|
13 |
Manakamana Development Limited & Yeti Finance Limited & Valley Finance Limited |
7/15/2013 |
Completed |
|
14 |
Reliable Finance Limited & Subhalaxmi Finance Limited & Nepal Consumer Development Limited |
4/16/2014 |
Completed |
|
15 |
Civil Bank Limited & Axis Development limited & Civil Merchant Bitiya Sanstha Limited |
4/14/2014 |
Completed |
|
16 |
Biratlaxmi Bikash Bank Limited & Khadbari Development Limited |
5/17/2014 |
Completed |
|
17 |
Shangrila Development Limited & Bageshwari Bikash Bank Limited |
7/13/2014 |
Completed |
|
18 |
Lumbini Bank Limited & Navadurga Finance Company Limited |
6/29/2014 |
Completed |
|
19 |
Purwanchal Grameen Bikas Bank Ltd. and Madhyamanchal Gramin Bikas Bank Ltd. |
Nepal Gramin Bikas Bank Limited |
30/04/2071 |
Completed |
20 |
Kist Bank Ltd. & Prabhu Bikash Bank Ltd.& Gaurishankar Development Ltd.& Zenith Finance Ltd. |
9/15/2014 |
Completed |
|
21 |
Triveni Bikash Bank Ltd. & Public Development Ltd. & Bright Development Ltd |
6/1/2015 |
Completed |
|
22 |
NDEP Development Bank Limited & Rising Development Bank Limited |
7/10/2015 |
Completed |
|
23 |
Bishwa Bikash Bank Ltd. & Fewa Finance Ltd. |
7/13/2015 |
Completed |
|
24 |
Garima Bikas Bank Ltd. & Nilgiri Bikas Bank Ltd. |
7/13/2016 |
Completed |
|
25 |
Muktinath Bikas Bank Ltd. & Civic Development Ltd. |
7/15/2015 |
Completed |
|
26 |
NMB Bank Ltd. & Pathibhara Bikas Bank Ltd. & Bhrikuti Bikas Bank Ltd. &Clean Energy Development Ltd. & Prudential Finance Co Ltd. |
10/18/2015 |
Completed |
|
27 |
City Development Ltd. & Om Finance Ltd. |
4/4/2016 |
Completed |
|
28 |
Gorkha Bikas Bank (Nepal) Ltd. & Kathmandu Finance Ltd. |
4/10/2016 |
Completed |
|
29 |
Mega Bank Nepal Ltd. & Paschimanchal Development Ltd. |
4/25/2016 |
Completed |
|
30 |
Kailash Bikash Bank Ltd. & Metro Development Ltd. & Nepal Express Finance Ltd. © |
5/30/2016 |
Completed |
|
31 |
Siddhartha Development Ltd. & Ekata Bikas Bank Ltd. & Nepal Awas Finance Ltd. |
6/10/2016 |
Completed |
|
32 |
Shine Resunga Development Ltd. & Gaumukhi Bikas Bank Ltd. |
6/10/2016 |
Completed |
|
33 |
Kamana Bikas Bank Ltd. & Kaski Finance Ltd. |
6/20/2016 |
Completed |
|
34 |
Siddhartha Bank Limited & Business Universal Development Limited |
6/21/2016 |
Completed |
|
35 |
Jyoti Bikas Bank Ltd. & Jhimruk Bikash Bank Ltd. |
Jyoti Bikash Bank Limited |
8/12/2016 |
Completed |
36 |
Malika Bikas Bank Limited & Mahalaxmi Finance Limited & Siddhartha Finance Limited |
9/4/2016 |
Completed |
|
37 |
Vibor Bikas Bank Ltd. & Society Development Ltd. |
9/2/2016 |
Completed |
|
38 |
Garima Bikas Bank Ltd. & Subekshya Bikash Bank Ltd. |
9/20/2016 |
Completed |
|
39 |
Sanima Bank Ltd. & Bagmati Development Bank Ltd. |
1/13/2017 |
Completed |
|
40 |
Tourism Development Bank Ltd., Matribhumi Bikas Bank Ltd. & Kalinchowk Development Bank Ltd. |
1/8/2017 |
Completed |
|
41 |
Laxmi Bank Ltd. & Professional Diyalo Development Bank Ltd. |
1/15/2017 |
Completed |
|
42 |
Global IME Bank Ltd. & Pacific Development Bank Ltd. |
2/12/2017 |
Completed |
|
43 |
Janata Bank Nepal Limited and Triveni Bikas Bank Limited |
4/7/2017 |
Completed |
|
44 |
Prime Commercial Bank Ltd. & Biratlaxmi Bikash Bank Ltd. & Country Development Bank Ltd. |
4/30/2017 |
Completed |
|
45 |
Century Commercial Bank Limited, Innovative Development Bank Limited & Araniko Development Bank Limited |
6/11/2017 |
Completed |
|
46 |
Kumari Bank Limited, Kasthamandap Development Bank Limited, Mahakali Bikash Bank Limited, Kakrebihar Bikash Bank Limited & Paschimanchal Finance Limited |
6/26/2017 |
Completed |
|
48 |
Om Development Bank Limited & Manaslu Bikas Bank Limited |
6/16/2017 |
Completed |
|
49 |
Gandaki Bikas Bank and Fewa Bikas Bank |
7/5/2017 |
Completed |
|
50 |
Mahalaxmi Bikas Bank Ltd. & Yeti Development Bank Ltd. |
7/2/2017 |
Completed |
|
51 |
Lumbini Finance & Leasing Company Limited and Vibor Society Development Bank Limited |
7/9/2017 |
Completed |
|
52 |
Nepal Investment Bank Ltd. & Ace Development Bank Ltd. |
7/13/2017 |
Completed |
|
53 |
Janata Bank Nepal Ltd. & Siddhartha Development Bank Ltd. |
7/14/2017 |
Completed |
|
54 |
Shangrila Development Bank Ltd. & Cosmos Development Bank Ltd. |
7/14/2017 |
Completed |
|
55 |
Kamana Bikas Bank Limited and Sewa Bikas Bank Limited |
8/6/2017 |
Completed |
|
56 |
Western Development Bank Limited & Namaste Bittiya Sanstha Limited |
10/15/2017 |
Completed |
|
57 |
Deva Bikas Bank Limited and Sajha Bikas Bank Limited |
11/9/2017 |
Completed |
|
58 |
Deva Bikas Bank Limited and Union Finance Limited |
11/9/2017 |
Completed |
|
59 |
Jyoti Bikas Bank Limited and Raptibheri Bikas Bank Limited |
10/25/2017 |
Completed |
|
60 |
Century Commercial Bank Limited & Alpine Development Bank Limited |
12/8/2017 |
Completed |
|
61 |
Rastriya Banijya Bank Limited and NIDC Development Bank Limited |
5/2/2018 |
Completed |
|
62 |
Mega Bank Nepal Ltd. & Tourism Development Bank Ltd. |
5/13/2018 |
Completed |
|
63 |
Kabeli Bikas Bank Limited & Mount Makalu Development Bank Limited |
6/10/2018 |
Completed |
|
64 |
Jyoti Bikas Bank Ltd. & Jhimruk Bikash Bank Ltd. |
Jyoti Bikash Bank Limited |
8/12/2016 |
Completed |
64 |
Saptakoshi Development Bank Limited and Kabeli Bikas Bank Limited |
Saptakoshi Development Bank Limited |
3/22/2076 |
Completed |
66 |
Tinaau bikas Bank limited and Mission development bank Limited |
Tinau Mission Development Bank limited |
3/31/2076 |
Completed |
67 |
Deva Bikas Bank Limited & Western Development Bank Limited |
Deva Bikas Bank Limited |
3/30/2076 |
Completed |
68 |
NMB and OM Development Bank |
NMB Bank Limited |
11/6/2076 |
Completed |
69 |
Shine resunga , Purnima and Bhargav devovement bank |
Shine Resunga Development Bank Limited |
27/06/2076 |
Completed |
70 |
Tinau Mission and Nepal Community Development Bank |
Tinau Mission Development Bank Limited |
22/08/2076 |
Completed |
71 |
Prime Commercial Bank Ltd. and Kailash Bikas Bank Limited |
Prime Commercial Bank Limited |
29/11/2076 |
Completed |
72 |
Citizens Bank International Ltd. and Sahayogi bikas Bank |
Citizens Bank International Limited |
20/03/2077 |
Completed |
73 |
Mega bank Nepal ltd. and Gandaki Bikas Bank ltd. |
Mega Bank Nepal Limited |
21/03/2077 |
Completed |
74 |
Kumari Bank limited and Dev Bikas Bank Limited |
Kumari Bank Limited |
28/03/2077 |
Completed |
75 |
NMB Bank ltd and Kanchan Devlopment Bank |
NMB Bank Limited |
7/05/2077 |
Completed |
76 |
Citizen Bank International Limited and Tinaau Mission Development Bank Limiteed |
Citizens Bank International Limited |
12/14/2077 |
Completed |