उनान्नब्बे विकास बैंक विलय भएर १८ मा सीमित, कतिको अस्तित्व हरायो ? (सूचीसहित)

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

Narayani National Finance Company Limited

11/1/2010

Completed

2

Kasthamandap Development Limited & Shikhar Finance Limited

Kasthamandap Development Bank Limited

4/13/2012

Completed

3

Infrastructure Development Limited & Swastik Merchant Finance Limited

Infrastructure Development Bank Limited

7/10/2012

Completed

4

Business Development Limited & Universal Finance Limited

Business Universal Development Bank 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

Axis Development Bank Limited

7/13/2012

Completed

7

Vibor Bikash Bank Limited & Bhajuratna Finanace Limited

Vibor Bikas Bank Limited

9/2/2012

Completed

8

Shine Development Bank Limited & Resunga Bikash bank Limited

Shine Resunga Development Bank Limited

6/30/2013

Completed

9

Diyalo Bikash Bank Limited & Professional Development Limited

Professional Diyalo Bikas Bank Limited

6/30/2013

Completed

10

Araniko Development Limited & Surya Development limited

Araniko Development Bank Limited

7/14/2013

Completed

11

Global IME Bank Limited & Social Development Limited & Gulmi Bikash Bank Limited

Global IME Bank Limited

7/14/2013

Completed

12

Prabhu Finance Limited & Sambridhi Bikash Bank Limited & Baibhav Finance Limited

Prabhu Bank Limited

7/14/2013

Completed

13

Manakamana Development Limited & Yeti Finance Limited & Valley Finance Limited

Yeti Development Bank Limited

7/15/2013

Completed

14

Reliable Finance Limited & Subhalaxmi Finance Limited & Nepal Consumer Development Limited

Reliable Development Bank Limited

4/16/2014

Completed

15

Civil Bank Limited & Axis Development limited & Civil Merchant Bitiya Sanstha Limited

Civil Bank Limited

4/14/2014

Completed

16

Biratlaxmi Bikash Bank Limited & Khadbari Development Limited

Biratlaxmi Bikash Bank Limited

5/17/2014

Completed

17

Shangrila Development Limited & Bageshwari Bikash Bank Limited

Shangrila Development Bank Limited

7/13/2014

Completed

18

Lumbini Bank Limited & Navadurga Finance Company Limited

Lumbini Bank 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.

Prabhu Bank Limited

9/15/2014

Completed

21

Triveni Bikash Bank Ltd. & Public Development Ltd. & Bright Development Ltd

Triveni Bikas Bank Limited

6/1/2015

Completed

22

NDEP Development Bank Limited & Rising Development Bank Limited

Deva Bikas Bank Limited

7/10/2015

Completed

23

Bishwa Bikash Bank Ltd. & Fewa Finance Ltd.

Fewa Bikas Bank Limited

7/13/2015

Completed

24

Garima Bikas Bank Ltd. & Nilgiri Bikas Bank Ltd.

Garima Bikas Bank Limited

7/13/2016

Completed

25

Muktinath Bikas Bank Ltd. & Civic Development Ltd.

Muktinath Bikas Bank Limited

7/15/2015

Completed

26

NMB Bank Ltd. & Pathibhara Bikas Bank Ltd. & Bhrikuti Bikas Bank Ltd. &Clean Energy Development Ltd. & Prudential Finance Co Ltd.

NMB Bank Limited

10/18/2015

Completed

27

City Development Ltd. & Om Finance Ltd.

Om Development Bank Limited

4/4/2016

Completed

28

Gorkha Bikas Bank (Nepal) Ltd. & Kathmandu Finance Ltd.

Gorkha Finance Limited

4/10/2016

Completed

29

Mega Bank Nepal Ltd. & Paschimanchal Development Ltd.

Mega Bank Nepal Limited

4/25/2016

Completed

30

Kailash Bikash Bank Ltd. & Metro Development Ltd. & Nepal Express Finance Ltd. ©

Kailash Bikas Bank Limited

5/30/2016

Completed

31

Siddhartha Development Ltd. & Ekata Bikas Bank Ltd. & Nepal Awas Finance Ltd.

Siddhartha Development Bank Limited

6/10/2016

Completed

32

Shine Resunga Development Ltd. & Gaumukhi Bikas Bank Ltd.

Shine Resunga Development Bank Limited

6/10/2016

Completed

33

Kamana Bikas Bank Ltd. & Kaski Finance Ltd.

Kamana Bikas Bank Limited

6/20/2016

Completed

34

Siddhartha Bank Limited & Business Universal Development Limited

Siddhartha Bank 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

Mahalaxmi Bikas Bank Limited

9/4/2016

Completed

37

Vibor Bikas Bank Ltd. & Society Development Ltd.

Vibor Society Development Bank Limited

9/2/2016

Completed

38

Garima Bikas Bank Ltd. & Subekshya Bikash Bank Ltd.

Garima Bikas Bank Limited

9/20/2016

Completed

39

Sanima Bank Ltd. & Bagmati Development Bank Ltd.

Sanima Bank Limited

1/13/2017

Completed

40

Tourism Development Bank Ltd., Matribhumi Bikas Bank Ltd. & Kalinchowk Development Bank Ltd.

Tourism Development Bank Limited

1/8/2017

Completed

41

Laxmi Bank Ltd. & Professional Diyalo Development Bank Ltd.

Laxmi Bank Limited

1/15/2017

Completed

42

Global IME Bank Ltd. & Pacific Development Bank Ltd.

Global IME Bank Limited

2/12/2017

Completed

43

Janata Bank Nepal Limited and Triveni Bikas Bank Limited

Janata Bank Nepal Limited

4/7/2017

Completed

44

Prime Commercial Bank Ltd. & Biratlaxmi Bikash Bank Ltd. & Country Development Bank Ltd.

Prime Commercial Bank Limited

4/30/2017

Completed

45

Century Commercial Bank Limited, Innovative Development Bank Limited & Araniko Development Bank Limited

Century Commercial 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

Kumari Bank Limited

6/26/2017

Completed

48

Om Development Bank Limited & Manaslu Bikas Bank Limited

Om Development Bank Limited

6/16/2017

Completed

49

Gandaki Bikas Bank and Fewa Bikas Bank

Gandaki Bikas Bank Limited

7/5/2017

Completed

50

Mahalaxmi Bikas Bank Ltd. & Yeti Development Bank Ltd.

Mahalaxmi Bikas Bank Limited

7/2/2017

Completed

51

Lumbini Finance & Leasing Company Limited and Vibor Society Development Bank Limited

Lumbini Bikas Bank Limited

7/9/2017

Completed

52

Nepal Investment Bank Ltd. & Ace Development Bank Ltd.

Nepal Investment Bank Limited

7/13/2017

Completed

53

Janata Bank Nepal Ltd. & Siddhartha Development Bank Ltd.

Janata Bank Nepal Limited

7/14/2017

Completed

54

Shangrila Development Bank Ltd. & Cosmos Development Bank Ltd.

Shangrila Development Bank Limited

7/14/2017

Completed

55

Kamana Bikas Bank Limited and Sewa Bikas Bank Limited

Kamana Sewa Bikas Bank Limited

8/6/2017

Completed

56

Western Development Bank Limited & Namaste Bittiya Sanstha Limited

Western Development Bank Limited

10/15/2017

Completed

57

Deva Bikas Bank Limited and Sajha Bikas Bank Limited

Deva Bikas Bank Limited

11/9/2017

Completed

58

Deva Bikas Bank Limited and Union Finance Limited

Deva Bikas Bank Limited

11/9/2017

Completed

59

Jyoti Bikas Bank Limited and Raptibheri Bikas Bank Limited

Jyoti Bikash Bank Limited

10/25/2017

Completed

60

Century Commercial Bank Limited & Alpine Development Bank Limited

Century Commercial Bank Limited

12/8/2017

Completed

61

Rastriya Banijya Bank Limited and NIDC Development Bank Limited

Rastriya Banijya Bank Limited

5/2/2018

Completed

62

Mega Bank Nepal Ltd. & Tourism Development Bank Ltd.

Mega Bank Nepal Limited

5/13/2018

Completed

63

Kabeli Bikas Bank Limited & Mount Makalu Development Bank Limited

Kabeli Bikas 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