11.   They have begun acknowledging bad debts, adopting new capital adequacy norms, diversifying, setting up mutual funds and closing down or merging unviable units.

12.   State-run banks have been permitted to set up mutual funds and close down or merge unviable units.

13.   The peace accord signed by the Tajik government and Islamic opposition was aimed at merging rebel units with government troops to form a new national army.