UBL Silkbank ke inzamam par ghor karta hai, regulatory manzoori hasil karne ka irada rakhta hai

United Bank Limited (UBL) – Pakistan ke sab se bare banks mein se ek – ne Silkbank limited ke sath mumkinah inzamam ke apne mansubo ki naqab kashai ki, aur kaha ke woh markazi bank se munasib ehtiyat shuru karne ki ijazat talab karne ka mansuba bana raha hai.

Yeh peshraft tajziya karoon aur market ke liye ek khushgawar hairat ka baais hai kyunki Silkbank nisbatan ek chhota aur mali tor par kamzor bank hai.

Taham, iss iqdam ko bein-ul-aqwami malayiati fund (IMF) ki zaroorat ke jawab mein hukumat aur kam sarmaaye wale banks ki taraf se ki jane wali musalsal koshishon ki roshni mein dekha jana chahiye, jis mein mulk ke bankari nizam ke mali istehkaam ko mazboot karnay ki zaroorat par zor diya gaya hai.

“United Bank Limited Silkbank Limited ke sath mumkinah inzamam ki talash kar raha hai aur mustaidi se kaam shuru karne ke liye State Bank of Pakistan (SBP) se ijazat lenay ka irada rakhta hai,” bank ne ek bourse filing mein kaha.

Iss mein mazeed kaha gaya ke mumkinah inzamam munasib mustaidi, androni aur regulatory manzooriyon aur hatmi dastavizat ke tabayi rahey ga.

Yeh elaan mutahidda Arab Emirates ke ek sarmaya kar Naser Abdullah Hussain Lootah ki janib se Summit Bank mein aksariyat hisson hasil karne ke baad samnay aya, yeh ek chhota bank hai jise State Bank ki zaroorat ke mutabiq sarmaaye barhanay mein mushkilat ka samna tha.

International Commercial Bank South Sudan (ICB) ne iss maah ke aaghaz mein ilan kya ke uss ne Silkbank mein €50 million ($54.5 million) tak ki sarmaya kari karne ka mansuba banaya hai.

IMF ko taweel arsay se in dono banks ki surat-e-haal par tashweesh hai.

IMF do banks ko sarmaya kari karne par israar kar raha hai. Summit pehlay hi ho chuki hai. Silkbank apnay sarmaye ko barhanay ke liye sarmaya karoon ki talash mein bhi hai,” Topline Securities ke CEO Muhammad Sohail ne kaha.

Agarcha Silkbank ke liye halia malayiati statement abhi tak dastiyab nahi hai, lekin 31 December 2020 tak bank ki kam az kam sarmaya ki zaroorat (MCR) 3.16 billion rupees thi, aur iss ka capital adequacy ratio (CAR) -4.45% tha, donon jo iss waqt 10 arba rupees aur 11.50% ki issi kam az kam had se neechay thay.

Hukumat-e-Pakistan ne IMF se wada kiya tha ke do banks ko May 2023 tak “qarardad” mein rakha jaye ga agar woh March tak apne dobara sarmaya kaari ke mansoobe ka pehla marhala mukammal nahi karte hain, iqtisadi aur maaliyati policies ki ek yaddasht ke mutabiq, Pakistan ke bare mein IMF ki country report guzishta saal shaya ho chuki thi. 

Teen chhotay banks, do private aur ek public sector mein, ko sarmaya ki kami ka hawala diya gaya. Hukumat ne kaha ke woh kam az kam sarmaya ke ma’ayeerat ki ta’meel ko yaqeeni banane ke liye pur-azam hai aur do kam sarmaya wale niji banks ke saath fa’al tour par shamil hai.

Sarmaya ikhtha karne ki naakaam koshishon ke baad hukumat ne March mein SAE Bank Limited ko band karne ki manzoori de di. Bank ek qarz dene wala tha jo chhotay aur darmiyanay darjay ke karobar ko poora karta tha.

“Yeh aik khush aind pesh raft hai ke UBL jaisay a’ala darjay ke bank ne Silkbank mein dilchaspi zahir ki hai. Agar yeh asasa ke liye achi qeemat hasil kar sakta hai, SBP ki janib se kuchh ri’ayaton ke saath, yeh bank ko hasil karna tijarati ma’ani rakhta hai,” Ismail Iqbal Securities ke sarbarah Research Fahd Rauf ne kaha.

Mazi mein, is tarah ke inzamaam ka matlab yeh hai ke baray banks ka maqsad strategic maqasid ke husool ke liye chhotay banks ke asaasoon ko istemaal karna hai. Misal ke tor par, Taurus Securities ke sarbarah Research Mustafa Mastanisar ke mutabiq, MCB ne NIB Bank ki shaakho ko MCB Islamic shaakho mein tabdeel karne ke liye istemaal kiya.

“MCB ne NIB ke nuksan ke khatoon se bhi aik qaabil-e-zikr raqam bar’amd ki hai. Mere khayal mein is muaamlay mein Silkbank UBL ko consumer financing side par aik mauqa faraham kar sakta hai. Agarcheh UBL ki apni user franchise bohat mazboot hai,” Mastanisar ne kaha.

“Silkbank bhari jama shuda nuqsanaat bhi paish karne ke qabil ho sakta hai jis se UBL ko tax ki bachat se lutf andoz honay mein madad mil sakti hai. Hamein inzamaam ki ba-zabtah tasdeeq ka intezar karna chahiye taake mumkinah hum-aahangi ka behtar andaaza lagaya ja sake.”