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  /Title (monetary-policy-2078-79-2021-22.pdf)
  /Creator (Cheatography)
  /Author (reccur)
  /Subject (Monetary Policy 2078/79 (2021/22) Cheat Sheet)
}

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    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{Monetary Policy 2078/79 (2021/22) Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{reccur} via \textcolor{DarkBackground}{\uline{cheatography.com/137043/cs/28854/}}}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}reccur \\
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 31st August, 2021.\\
   Updated 31st August, 2021.\\
   Page {\thepage} of \pageref{LastPage}.
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Main Objectives}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Covid Relief \& Economic Recovery} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Credit Growth Control} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Promotion of Merger \& Acquisition} \tn 
% Row Count 3 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{3.58344 cm} x{1.39356 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{International Economic Status of 2021}}  \tn
% Row 0
\SetRowColor{LightBackground}
Growth rate & 6\% \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Developed economies growth & 5.6\% \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
China \& India Economic growth & 8.1\% \& 9.5\% \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
Worldwide trade growth & 9.7\% \tn 
% Row Count 5 (+ 1)
% Row 4
\SetRowColor{LightBackground}
Petroleum price increment & 56.6\% \tn 
% Row Count 6 (+ 1)
% Row 5
\SetRowColor{white}
Public Expenditure to GDP & 97.3\% \tn 
% Row Count 7 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.58804 cm} x{2.38896 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Status of Nepal 2077/78}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{{\bf{Economic Growth}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Economic growth rate & 4.01\% \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
Gross Domestic Savings to GDP & 6.6\% \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
Gross National Savings to GDP & 31.4\% \tn 
% Row Count 7 (+ 2)
% Row 4
\SetRowColor{LightBackground}
Gross Fixed Capital Formation to GDP & 27.3\% \tn 
% Row Count 9 (+ 2)
% Row 5
\SetRowColor{white}
Inflation & 3.6\% \tn 
% Row Count 10 (+ 1)
% Row 6
\SetRowColor{LightBackground}
Government Expenditure & Rs. 1180.95B \tn 
% Row Count 12 (+ 2)
% Row 7
\SetRowColor{white}
\{\{fa-caret-right\}\} Current & Rs. 851.68B \tn 
% Row Count 14 (+ 2)
% Row 8
\SetRowColor{LightBackground}
\{\{fa-caret-right\}\} Capital & Rs. 228.30B \tn 
% Row Count 16 (+ 2)
% Row 9
\SetRowColor{white}
\{\{fa-caret-right\}\} Financial Management & Rs. 100.97B \tn 
% Row Count 18 (+ 2)
% Row 10
\SetRowColor{LightBackground}
Revenue Collection by Govt. & Rs. 938.32 B \tn 
% Row Count 20 (+ 2)
% Row 11
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{} \tn 
% Row Count 20 (+ 0)
% Row 12
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{{\bf{Foreign Trade, Remittance \& BOP status}}} \tn 
% Row Count 21 (+ 1)
% Row 13
\SetRowColor{white}
Export increment & 44.4\% \tn 
% Row Count 22 (+ 1)
% Row 14
\SetRowColor{LightBackground}
Import increment & 28.7\% \tn 
% Row Count 23 (+ 1)
% Row 15
\SetRowColor{white}
Trade deficit increment & 27.3\% \tn 
% Row Count 25 (+ 2)
% Row 16
\SetRowColor{LightBackground}
remittance increment & 9.8\% (total remittance Rs. 961.05 B) \tn 
% Row Count 27 (+ 2)
% Row 17
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{} \tn 
% Row Count 27 (+ 0)
% Row 18
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\mymulticolumn{2}{x{5.377cm}}{{\bf{Financial Sector}}} \tn 
% Row Count 28 (+ 1)
% Row 19
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Deposit mobilization & Rs. 4662.73 B(21.4\% increment) \tn 
% Row Count 30 (+ 2)
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Status of Nepal 2077/78 (cont)}}  \tn
% Row 20
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Credit & Rs. 4084.81 B(27.3\% increment) \tn 
% Row Count 2 (+ 2)
% Row 21
\SetRowColor{white}
Paid Up Capital & Rs. 390.43 B(10.8\% increment) \tn 
% Row Count 4 (+ 2)
% Row 22
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CAR & (A: 14.1\%, B: 13.2\% \& C: 22.0\%) \tn 
% Row Count 6 (+ 2)
% Row 23
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NPL & (A: 1.5\%, B: 1.5\% \& C: 6.2\%) \tn 
% Row Count 8 (+ 2)
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Economic Scenario for 2078/79}}  \tn
% Row 0
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{\bf{Indicator}} & {\bf{Estimation/Projection}} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
Worldwide Inflation (Developed Economies) & 2.1\% \tn 
% Row Count 5 (+ 3)
% Row 2
\SetRowColor{LightBackground}
Worldwide Inflation (Emerging \& Developing Economies) & 4.7\% \tn 
% Row Count 8 (+ 3)
% Row 3
\SetRowColor{white}
Worldwide Economic Growth & 6.0\% (2021) \& 4.9\% (2022) \tn 
% Row Count 10 (+ 2)
% Row 4
\SetRowColor{LightBackground}
Agro Sector Production Growth & Satisfactory due to fav. climate, fertilizers \& increase in agri credit access \tn 
% Row Count 14 (+ 4)
% Row 5
\SetRowColor{white}
Economic Growth & Improve (Due to Vaccine availability) \tn 
% Row Count 16 (+ 2)
% Row 6
\SetRowColor{LightBackground}
Inflation & Impact (due to increase in crude oil prices, \& currency fluctuation \tn 
% Row Count 20 (+ 4)
% Row 7
\SetRowColor{white}
Balance of Payment & Impact (due to increased imports \& reduced no. of Nepalese going for foreign employment) \tn 
% Row Count 25 (+ 5)
% Row 8
\SetRowColor{LightBackground}
Foreign Exchange Reserves & Satisfactory \tn 
% Row Count 27 (+ 2)
% Row 9
\SetRowColor{white}
Liquidity & Impact (due to increase in credit demand after economic revival) \tn 
% Row Count 31 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Monetary Policy Review 2077/78}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{Indicators}} & {\bf{Target}} & {\bf{Status}} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
Broad Money Supply & 18\% & 21.8\% \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
Private Lending Growth & 20\% & 26.3\% \tn 
% Row Count 6 (+ 2)
% Row 3
\SetRowColor{white}
Interbank Rate & 1\%-5\% corridor & 4.14\% \tn 
% Row Count 8 (+ 2)
% Row 4
\SetRowColor{LightBackground}
Liquidity Injection & NRs. 438.28 billion (Repo 67.94 billion \& SLF 370.34 billion) &  \tn 
% Row Count 11 (+ 3)
% Row 5
\SetRowColor{white}
Liquidity Absorption & NRs. 303.29 bil.(Reverse Repo 109.54 billion, Deposit coll. Bid 193.75 billion) &  \tn 
% Row Count 15 (+ 4)
% Row 6
\SetRowColor{LightBackground}
91 days Avg. T-Bill rate & 4.55\% &  \tn 
% Row Count 17 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Directions of Monetary Policy 2078/79}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Balanced Direction to match revival of economy through economic growth alongwith economic and financial stability. \newline % Row Count 3 (+ 3)
• Continuity of current fixed exchange rate mechanism for overall price \& foreign sector stability in monetary  \newline % Row Count 6 (+ 3)
management. \newline % Row Count 7 (+ 1)
• Available financial resources to be targeted towards production increment, creating employment, entrepreneurship  \newline % Row Count 10 (+ 3)
development and sustainable \& inclusive economic development. \newline % Row Count 12 (+ 2)
• Liquidity management by stabilizing interest rates through effective implementation of interest rate corridor. \newline % Row Count 15 (+ 3)
• Promotion and strengthen good governance of BFIs for financial sector development \& stability. Financial intermediary  \newline % Row Count 18 (+ 3)
to be made strong and effective  \newline % Row Count 19 (+ 1)
• Cash transaction to be minimized by promoting electronic medium of payment. \newline % Row Count 21 (+ 2)
• Promotion of financial access and financial inclusion through development of financial infrastructure \& financial literacy% Row Count 24 (+ 3)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{4.13091 cm} x{0.84609 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Economic \& Monetary Goals}}  \tn
% Row 0
\SetRowColor{LightBackground}
Inflation within & 6.5\% \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Foreign exchange reserves to sustain import of goods and services for & 7 \seqsplit{months} \tn 
% Row Count 4 (+ 3)
% Row 2
\SetRowColor{LightBackground}
Broad money supply growth & 18\% \tn 
% Row Count 5 (+ 1)
% Row 3
\SetRowColor{white}
private sector lending growth & 19\% \tn 
% Row Count 6 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.38896 cm} x{2.58804 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Operating Goals and Instrument}}  \tn
% Row 0
\SetRowColor{LightBackground}
CRR & 3\% \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Bank Rate & 5\% \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
SLF Rate & 5\% \tn 
% Row Count 3 (+ 1)
% Row 3
\SetRowColor{white}
Deposit Collection Rate of IRC & {\bf{2\%}} (increase from 1\%) \tn 
% Row Count 5 (+ 2)
% Row 4
\SetRowColor{LightBackground}
Repo Rate & {\bf{3.5\%}} (previously 3\%) \tn 
% Row Count 7 (+ 2)
% Row 5
\SetRowColor{white}
SLR & 10\%, 8\% and 7\% for A,B \& C class \tn 
% Row Count 9 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Provisions for Financial Sector for 2078/79}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Source Mobilization}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{"B" \& "C" class and Wholesale Lending "D" class to issue debentures of 25\% ofpaid up capital (like commercial banks)} \tn 
% Row Count 4 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Agri and Energy Bonds provisions to continue} \tn 
% Row Count 5 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Additional 1\% interest on deposit from remittance through banking system from Nepalese in foreign employment} \tn 
% Row Count 8 (+ 3)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 8 (+ 0)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Credit Disbursement}}} \tn 
% Row Count 9 (+ 1)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{MSME Loans \textless{}Rs. 1 crore (15\% of total portfolio) to continue} \tn 
% Row Count 11 (+ 2)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Focal desk for agriculture, MSME loans in commercial banks undergoing govt. trans. in local levels} \tn 
% Row Count 13 (+ 2)
% Row 8
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Deprived sector loans to be gradually diverted towards MSME sectors} \tn 
% Row Count 15 (+ 2)
% Row 9
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 15 (+ 0)
% Row 10
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Deprived Sector Loan (DSL)}}} \tn 
% Row Count 16 (+ 1)
% Row 11
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Business loans upto Rs. 15 lakhs to employees loosing job in tourism to be taken in DSL} \tn 
% Row Count 18 (+ 2)
% Row 12
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Auto Loan upto Rs. 25 lakhs for self employment to be taken in DSL} \tn 
% Row Count 20 (+ 2)
% Row 13
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Loan to women entrepreneurs for Micro Industries and self employment in project collateral upto Rs. 20 lakhs counted in DSL (compulsory insurance)} \tn 
% Row Count 23 (+ 3)
% Row 14
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Loan upto Rs. 20 lakhs to actual farmer in project collateral to be counted in DSL (compulsory insurance)} \tn 
% Row Count 26 (+ 3)
% Row 15
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 26 (+ 0)
% Row 16
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Credit Repayment Period Addition, Restructuring \& Rescheduling}}} \tn 
% Row Count 28 (+ 2)
% Row 17
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Current provision of 2 years continuous loss to be classified into watchlist category to be increased to 3 years} \tn 
% Row Count 31 (+ 3)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Provisions for Financial Sector for 2078/79 (cont)}}  \tn
% Row 18
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Facility to BFIs to self reduce instalment amount \& increase repayment period for loans having adverse impact on financial position \& cash flow position due to Covid 19} \tn 
% Row Count 4 (+ 4)
% Row 19
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{EMI/EQI upto Asar 2078 during lockdown period may be extended to 2078 Poush} \tn 
% Row Count 6 (+ 2)
% Row 20
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{No fine/penal charge on interest accrual on loans disbursed to hotel, travel, trekking and airlines upto Asar 2079.} \tn 
% Row Count 9 (+ 3)
% Row 21
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Principal and interest repayment upto Poush 2078 period to be increased by 1 year for loans highly impacted by Covid-19 \& to MSME whose cash flow is blocked.} \tn 
% Row Count 13 (+ 4)
% Row 22
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Restructuring and Rescheduling on highly impacted loans due to Covid 19 till Poush 2078} \tn 
% Row Count 15 (+ 2)
% Row 23
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Additional Rs. 2 lakhs loan for repair \& maintenance of public transportation} \tn 
% Row Count 17 (+ 2)
% Row 24
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 17 (+ 0)
% Row 25
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Other Provisions relating to credit}}} \tn 
% Row Count 18 (+ 1)
% Row 26
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Credit to Deposit Ratio to be maintained within 90\% till Ashadh 2079 (Current 85\% provision of CCD to be removed)} \tn 
% Row Count 21 (+ 3)
% Row 27
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Consortium limit of Rs. 1 billion to be increased to Rs. 2 billion} \tn 
% Row Count 23 (+ 2)
% Row 28
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Special refinance to BroadBand Internet in rural areas} \tn 
% Row Count 25 (+ 2)
% Row 29
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Compliance to Specified Sectoral Loan by "A" class may be done in lumpsum till 2079 Ashadh.} \tn 
% Row Count 27 (+ 2)
% Row 30
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Interest capitalization of ongoing projects in moratorium period pre approved by NRB to be continued till 2079 Ashadh} \tn 
% Row Count 30 (+ 3)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Provisions for Financial Sector for 2078/79 (cont)}}  \tn
% Row 31
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Provision on interest capitalization on long term agricultural loans} \tn 
% Row Count 2 (+ 2)
% Row 32
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Loan to vaccine manufacturing company at base rate of BFIs.} \tn 
% Row Count 4 (+ 2)
% Row 33
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Policy reforms for loan facilitation in case of business change by MSMEs} \tn 
% Row Count 6 (+ 2)
% Row 34
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{LTV ratio on margin lending loan same (70\%)} \tn 
% Row Count 7 (+ 1)
% Row 35
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Maximum margin lending loan from 1 BFI to be Rs. 4 cr. \& from all BFIs to be Rs. 12 cr.} \tn 
% Row Count 9 (+ 2)
% Row 36
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Professionals impacted by covid 19 to be provided loans upto specific limit.} \tn 
% Row Count 11 (+ 2)
% Row 37
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Refinance facility for charging station establishment} \tn 
% Row Count 13 (+ 2)
% Row 38
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Easy loan disbursal to establish up to 100 bed hospitals in local levels not having hospitals} \tn 
% Row Count 15 (+ 2)
% Row 39
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Provision of credit to institutions providing technical \& business training.} \tn 
% Row Count 17 (+ 2)
% Row 40
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Facilitation for financial resources to establish industries based on domestic raw materials} \tn 
% Row Count 19 (+ 2)
% Row 41
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 19 (+ 0)
% Row 42
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Additional Facilities for Merger till 2080 Ashadh end}}} \tn 
% Row Count 21 (+ 2)
% Row 43
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1 year addition to comply specified sector loan.} \tn 
% Row Count 22 (+ 1)
% Row 44
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{0.5\% relaxation in CRR \& 1\% relaxation in SLR till 1 year of joint operation} \tn 
% Row Count 24 (+ 2)
% Row 45
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Per institutional deposit limit to be increased by 5\%} \tn 
% Row Count 26 (+ 2)
% Row 46
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Relaxation in 6 months cooling period to Directors \& top management} \tn 
% Row Count 28 (+ 2)
% Row 47
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{1\% relaxation in interest spread rate} \tn 
% Row Count 29 (+ 1)
% Row 48
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• No approval of NRB required to merge branches within 1 km.} \tn 
% Row Count 31 (+ 2)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Provisions for Financial Sector for 2078/79 (cont)}}  \tn
% Row 49
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{• No approval of NRB required to merge branches within 1 km.} \tn 
% Row Count 2 (+ 2)
% Row 50
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• All above facilities for BFIs acquiring problematic BFIs} \tn 
% Row Count 4 (+ 2)
% Row 51
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{• Provision for candidacy in director either from promoter group or ordinary group option to be given to shareholders.} \tn 
% Row Count 7 (+ 3)
% Row 52
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Provision to open corporate office at a suitable place within workscope as well as to open correspondence office in province  capital and Kathmandu to promote merger \& acquisition for province level BFIs} \tn 
% Row Count 12 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Regulatory and Supervisory Provisions}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Countercyclical buffer suspension till 2079 Ashadh \newline % Row Count 2 (+ 2)
• Fixed interest rates on term loans \newline % Row Count 3 (+ 1)
• Spread rate same (4.4\%) \newline % Row Count 4 (+ 1)
• Base rate calculation method review \& Only 2\% premium addition for loans \textless{}= Rs. 1 crores to operate business \newline % Row Count 7 (+ 3)
• Project based lending to be made effective \newline % Row Count 8 (+ 1)
• Working Capital Loan Directions \newline % Row Count 9 (+ 1)
• Supervisory Information System (SIS) \newline % Row Count 10 (+ 1)
• Co-ordination with other regulatory bodies \& stakeholders for joint supervision of subsidiary companies of BFIs. \newline % Row Count 13 (+ 3)
• Policy co-ordination \& technical support to regulators for regulation \& supervision of co-operatives. \newline % Row Count 16 (+ 3)
• Blacklisting provision to be reviewed. \newline % Row Count 17 (+ 1)
• Change in regulation mechanism of institutions licensed for hire-purchase transactions. \newline % Row Count 19 (+ 2)
• Independent audit of refinance, business continuity loan \& effectiveness as well as utilization of subsidized loan. \newline % Row Count 22 (+ 3)
• Directions of CSR \newline % Row Count 23 (+ 1)
• No approval for liaison office in Karnali \& Sudurpaschim province. \newline % Row Count 25 (+ 2)
• E-KYC to be developed. \newline % Row Count 26 (+ 1)
• Co-ordination with ICAN for limit in external audit by audit firms% Row Count 28 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Microfinance}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Retail lending to be allowed to MFIs after merger/ acquisition of Wholesale lending MFIs with retail lending MFIs. \newline % Row Count 3 (+ 3)
• Merger within 2079 Ashadh of microfinance having cross holding of A, B and C class. \newline % Row Count 5 (+ 2)
• Maximum 5 lakhs loan to be allowed per co-operatives member for joint farming and livestock. \newline % Row Count 7 (+ 2)
• Required study of MFIs to work as financial representative of commercial bank. \newline % Row Count 9 (+ 2)
• National level MFIs to comply NFRS% Row Count 10 (+ 1)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Payment System}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• 2079/80 as Electronic Payment Transaction Promotion year. \newline % Row Count 2 (+ 2)
• National Payment Switch establishment to be completed. \newline % Row Count 4 (+ 2)
• Special Refinance to PSO, PSP and ISP \newline % Row Count 5 (+ 1)
• Review of electronic transaction limit and policy reform for suitable electronic transaction fee. \newline % Row Count 8 (+ 3)
• Required facilitation in all revenue \& other payments to Govt. through banking and electronic mode. \newline % Row Count 11 (+ 3)
• Social security allowance to be made easily available through electronic payment from bank branches performing govt. transaction \newline % Row Count 14 (+ 3)
• Digital Lending Framework formulation \& implementation \newline % Row Count 16 (+ 2)
• Study of Central Bank Digital Currency \newline % Row Count 17 (+ 1)
• Electronic application provision for Citizen Saving Certificate \& Foreign Employment Saving Certificate. \newline % Row Count 20 (+ 3)
• Study for cloud infrastructure for safety of payment system \newline % Row Count 22 (+ 2)
• Study on PSPs to provide loan upto specified limit through digital mode for MSMEs and start up business% Row Count 25 (+ 3)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Foreign Exchange Management}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Review on exchange facility for abroad service agreement by Nepalese entities. \newline % Row Count 2 (+ 2)
• Up to 25,000\$ exchange facility from "A" class to airway service provider for service import \newline % Row Count 5 (+ 3)
• Credit Information not compulsory for payment in draft/TT upto specified limit. \newline % Row Count 7 (+ 2)
• Direct payment facility to abroad through "A" class by National Priority Projects  \newline % Row Count 9 (+ 2)
• Existing list of importable goods \&services from India to be reviewed \newline % Row Count 11 (+ 2)
• No renewal fees on foreign exchange license till 2079 Ashadh \newline % Row Count 13 (+ 2)
• Management of service import like apps, software \& online advertisement through co-ordination with regulators/stakeholders \newline % Row Count 16 (+ 3)
• Merger of remittance companies \newline % Row Count 17 (+ 1)
• Review of maximum cash limit that Nepalese citizens can keep in convertible foreign exchange, time period \& its exchange \newline % Row Count 20 (+ 3)
• Review \& support in import of medical supplies for Covid-19 \newline % Row Count 22 (+ 2)
• Study on possibility to send remittance through agency account of NRB in countries having difficulty to remit in US\$ \newline % Row Count 25 (+ 3)
• Study the situation of utilization of card upto USD 500 to promote ecommerce and make it more effective. \newline % Row Count 28 (+ 3)
• Study on implementation status of Foreign Investment \& Loan Management Byelaws, 2078% Row Count 30 (+ 2)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Customer Interest Protection}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{• Formulation of Financial Customer Protection laws \newline % Row Count 2 (+ 2)
• At least one branch and ATM lounge of BFIs to be disabled friendly in local levels having branches more than specific limit \newline % Row Count 5 (+ 3)
• BFIs to keep the link of grievance portal of NRB in their website. \newline % Row Count 7 (+ 2)
• Required provisions for uniformity in credit lending and KYC documents. \newline % Row Count 9 (+ 2)
• Required study to be done for Province Financial Institution to increase financial access in Karnali \& Sudurpaschim Province  \newline % Row Count 12 (+ 3)
• Special monitoring \& supervision for identification, measurement, evaluation and management of high risk sectors pointed by NRA,2020% Row Count 15 (+ 3)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}