Friday, July 8, 2011

Central bank enforces PCA on Capital Merchant Banking and Finance

The central bank's board today enforced Prompt Corrective Action (PCA) on Capital Merchant Banking and Finance and also decided to call back its management from Madhyamanchal Grameen Bikas Bank.
Capital Merchant Banking and Finance now cannot distribute dividends and increase salaries and incentives of employees, apart from barring of new branch opening.
On June 24 Capital Merchant Bank and Finance Company pulled its shutter down citing acute cash shortage.
Capital Merchant Bank and Finance Company -- that was facing acute shortage of cash had also applied to the central bank for special refinancing facility and central bank team was studying its books. But the team discovered many fake borrowers' accounts and rejected it refinancing.
The central bank's special refinancing indow is for the financial institutions that maintain good corporate governance but lacked liquidity.
The class C financial institution -- that has 12 branches including its head office at Battisputali in Kathmandu -- has posted Rs 40.84 million profits in the third quarter and Rs 52.43 million profits in the second quarter, according to its published unaudited report.
The finance company that has Credit to deposit (CD) ratio at 82.84 per cent by the third quarter has Rs 935 million paid up capital. It has also floated shares that were traded at Rs 132 per unit at the secondary market last time.
Similarly, the finance company has to continue to return deposits to its depositors but cannot collect deposits.
The central bank enforces Prompt Corrective Action after the company’s cash reserve ratio dropped below four percent. According to the central bank directives, finance companies have to maintain cash reserve ratio at a minimum of 11 per cent. But those failing maintain required cash reserve ratio level are declared crisis-ridden.
Capital Merchant has been enforced with Prompt Corrective Action giving a chance to improve its financial health.
Similarly, the central bank has also decided to call back its management from Madhyamanchal Grameen Bikas Bank and let it run itself.
The central bank after the Unity scam -- a ponzi scam -- has sent its management led by Rebati Prasad Nepal to manage the rural development bank.
But after a long discussion, the central bank today decided to call back its staff and let the rural development bank run on its own, according to the central bank.

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