A bank or a financial institution may merge or merge with another bank or a financial institution or a bank or a financial institution may acquire another bank or a financial institution by completing the procedures prescribed in accordance with this Act or the National Bank Act. (2) Class "D" financial institution Institutions can only merge or merge with financial institutions of the same category. However, Infrastructure Development Bank and banks or financial institutions cannot merge or merge or acquire with each other. If it is found from the report that there is any of the following conditions in any bank or financial institution, the National Bank may order the assets, liabilities and business of such bank or financial institution to be merged or merged with another bank or financial institution:- (a) Capital fund is insufficient or financial for the last three years. situation is deteriorating, (b) has acted adversely on the interests of the depositors and obligations towards the depositors or such a situation exists, (c) it is necessary to increase competitiveness at the national and international level for the stability, development and growth of the financial system. (4) This Notwithstanding anything written elsewhere in the paragraph, if any of the following conditions are found in any bank or financial institution from the inspection and supervision report of the National Bank, the National Bank may issue necessary instructions or suggestions to the bank or financial institution to obtain or cause:- (a) Individuals, firms of the same group , More than one bank or financial institution of the company is operating and the unhealthy financial relationship is maintained, (b) When the bank or financial institution is operated as it is, it is seen that the rights and interests of the depositors, general shareholders, and other service users cannot be protected due to its negative effects, (c) Systemic risk has increased. If the licensed organizations are not able to pay the liabilities, (d) Issuance of shares to the general public at the scheduled time(e) has been subjected to prompt corrective action three times or more or has been subject to repeated disputes in the board of directors of the licensed organization and the condition of good governance is weak. (5) Sub-section According to (3) or (4), when the National Bank issues an order to merge or merge or acquire a bank or financial institution, it may also specify the procedure in such order.