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\pdfinfo{
  /Title (nepal-monetary-policy-2077-78-2020-21.pdf)
  /Creator (Cheatography)
  /Author (reccur)
  /Subject (Nepal Monetary Policy 2077/78 (2020/21) Cheat Sheet)
}

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        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
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    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{Nepal Monetary Policy 2077/78 (2020/21) Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{reccur} via \textcolor{DarkBackground}{\uline{cheatography.com/137043/cs/28688/}}}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}reccur \\
  \uline{cheatography.com/reccur} \\
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 30th July, 2021.\\
   Updated 2nd August, 2021.\\
   Page {\thepage} of \pageref{LastPage}.
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  Measure your website readability!\\
  www.readability-score.com
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\begin{document}
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\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{x{3.83229 cm} x{1.14471 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Current Economic Situation}}  \tn
% Row 0
\SetRowColor{LightBackground}
Growth & {\bf{2.28\%}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Inflation & {\bf{6.28\%}} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
Gross Domestic Savings (\% of GDP) & {\bf{18.1\%}} \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
Gross National Savings & {\bf{46\%}} \tn 
% Row Count 5 (+ 1)
% Row 4
\SetRowColor{LightBackground}
GDP/Total Fixed Capital & {\bf{28.1\%}} \tn 
% Row Count 6 (+ 1)
% Row 5
\SetRowColor{white}
GDP/Total Capital Formation & {\bf{50.2\%}} \tn 
% Row Count 7 (+ 1)
% Row 6
\SetRowColor{LightBackground}
Exports & {\bf{+0.2\%}} \tn 
% Row Count 8 (+ 1)
% Row 7
\SetRowColor{white}
Imports & {\bf{-15.3\%}} \tn 
% Row Count 10 (+ 2)
% Row 8
\SetRowColor{LightBackground}
Trade Deficit & {\bf{16.4\%}} \tn 
% Row Count 11 (+ 1)
% Row 9
\SetRowColor{white}
Remittance & {\bf{-3\%}} \tn 
% Row Count 12 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{3.53367 cm} x{1.44333 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Banking Sector Situation}}  \tn
% Row 0
\SetRowColor{LightBackground}
Deposit growth & {\bf{13.3\%}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Credit Growth & {\bf{10.7\%}} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
Capital Adequacy Ratio & {\bf{13.4 \%}} \tn 
% Row Count 3 (+ 1)
% Row 3
\SetRowColor{white}
Paidup Capital growth & {\bf{8.2\%}} \tn 
% Row Count 4 (+ 1)
% Row 4
\SetRowColor{LightBackground}
Non Performing Loan (NPL) & {\bf{1.81\%}} \tn 
% Row Count 5 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{3.53367 cm} x{1.44333 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Target}}  \tn
% Row 0
\SetRowColor{LightBackground}
GDP Growth & {\bf{7\%}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Inflation & {\bf{7\%}} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
FOREX reserves sufficient for & {\bf{7 months}} \tn 
% Row Count 4 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{The nominal GDP has been taken as the basis for monetary projection. Given this, the limit for the growth of broad money (M2) has been set at 18\%. Further, 20\% limit has been set for private sector lending}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{3.88206 cm} x{1.09494 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Operating Target and Instrument}}  \tn
% Row 0
\SetRowColor{LightBackground}
Repo rate & {\bf{3\%}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
SLF (upper bound of IRC) & {\bf{5\%}} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
Deposit Collection Rate  (lower bound of IRC) & {\bf{1\%}} \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
CRR & {\bf{3\%}} \tn 
% Row Count 5 (+ 1)
% Row 4
\SetRowColor{LightBackground}
SLR (A|B|C) & {\bf{10|8|7\%}} \tn 
% Row Count 7 (+ 2)
% Row 5
\SetRowColor{white}
Bank rate (LOLR) & {\bf{5\%}} \tn 
% Row Count 8 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Agriculture Credit}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Class-A required to provide minimum {\bf{15\%}} of total Credit in agricultural sector} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Loan loss provision of {\bf{0.2\%}} and {\bf{0.6\%}} to be provided respectively in 1\textasciicircum{}st\textasciicircum{} year and 2\textasciicircum{}nd\textasciicircum{} year for loans provided for farming prescribed fruits.} \tn 
% Row Count 6 (+ 4)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Relaxation in loan loss provision for loans in {\emph{silk, jute and cotton farming sector}}} \tn 
% Row Count 8 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Agricultural Development Bank Limited (ADBL) will be promoted as the Lead Bank \newline to facilitate credit in agriculture sector}  \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
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Establishment of National Payment Switch} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{License of the PSPs that fail to make at least {\bf{3,00,000}} customers and at least {\bf{6,00,000}} monthly average transactions by Shrawan may be revoked.} \tn 
% Row Count 5 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Corporate Governance and Others}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{The remuneration and facilities of officers of BFIs shall be reviewed} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Class A,B,C,D can charge service fee up to a maximum of 0.75\%, 1\%, 1.25\% and 1.5\%, respectively during sanctioning of loan} \tn 
% Row Count 5 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{No penalty interest, fee or compensation from the customer if the payment period of capital or interest is extended due to Covid-19} \tn 
% Row Count 8 (+ 3)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Waive off any charges for using the ATM Card of one BFI at the ATM of another} \tn 
% Row Count 10 (+ 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}{Tourism Sector Credit}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Priority in providing working capital loan, concessional loan and refinance  to the tourism related businesses hit by the COVID-19.} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Class-A to extend at min.{\bf{15\%}} of total loans to micro, small and medium enterprises (MSMEs) with loan limit up to Rs. 10 million} \tn 
% Row Count 6 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Energy Sector Credit}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Class-A to provide min. {\bf{10\% }} of total Credit in Energy Sector} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Class-A having specialization in energy sector lending will be permitted to issue {\emph{'Energy Bond'}}} \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{BFIs to extend credit at {\bf{base rate +1\%}} for a period up to {\bf{5yrs}} to exporting hydropower projects and reservoir-based hydropower projects} \tn 
% Row Count 7 (+ 3)
\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
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Credit limit for business projects with acceptable collateral low-income individuals will be extended to Rs. 1.5 million} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{The max. interest rate on MFIs Credit = {\bf{15\%}}} \tn 
% Row Count 4 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{No more thatn {\bf{0.5\%}} service fee sector lending} \tn 
% Row Count 5 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Regulation and Supervision}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{CCD Ratio : {\bf{85\%}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{BFIs can distribute cash dividend to the extent of {\bf{30\%}} of net distributable profit} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{No Loan loss and risk weight for the loans disbursed in infrastructure related projects.} \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Countercyclical buffer has been suspended.} \tn 
% Row Count 6 (+ 1)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Risk weight placed on operating, market and overall risks set to {\bf{3\%, 1\% and 3\%}}} \tn 
% Row Count 8 (+ 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}{Financial Sector Consolidation}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Class-A to be given incentives if they start merger and acquisition process by Asar, 2078: CRR waived by {\bf{0.5\%}}, SLR by {\bf{1\%}}} \tn 
% Row Count 3 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Miscellaneous}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Class-B\&C to disburse min. {\bf{20\% \& 15\%}} loan to agriculture, MSMEs, energy and tourism} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Loan to Value (LTV) will be set at {\bf{60\%}} for the housing projects that are licensed by the GoN} \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{LTV ratio (KTM Valley) ={\bf{40\%}} and LTV ratio (Outside Valley) ={\bf{50\%}}} \tn 
% Row Count 6 (+ 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}{Moratorium, Loan Restructuring and Rescheduling}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Working capital loans due in Asar can be renewed by Poush} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Defer the installment and interest payment of loans for} \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{relatively less}} up to {\bf{Poush}}} \tn 
% Row Count 5 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{relatively more}}  up to {\bf{Chaitra}}} \tn 
% Row Count 6 (+ 1)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{most affected}}  up to {\bf{Asar, 2078}}} \tn 
% Row Count 7 (+ 1)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{BFIs can restructure and reschedule loans, which were in performing category in Poush} \tn 
% Row Count 9 (+ 2)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Extending grace period to those industries hit by COVID-19 ({\bf{2yrs}} for tourist-standard hotels, 1 year for the hard-hit sectors, {\bf{9 months}} for the moderately affected sectors and {\bf{6 months}} for relatively less affected sectors. )} \tn 
% Row Count 14 (+ 5)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{MFIs can extend the time for loan installment payment due as of Asar by maximum {\bf{6 months}}} \tn 
% Row Count 16 (+ 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}{Foreign Exchange Management}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{The Limit of Foreign Money Exchange during import as per provisions related to DAP and DAA shall be kept at {\bf{50,000 USD}}} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{The limit of Foreign Money Exchange during import from third country via draft or TT {\bf{35,000 USD}}} \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{The period of the LC for the import: {\bf{180 days.}}} \tn 
% Row Count 6 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{The due date of issuance of advance payment certificate : {\bf{4 months}}} \tn 
% Row Count 8 (+ 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}{Refinance}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Refinance facilities up to {\bf{5 times}} of the available fund} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Special refinance for export and sick industry at {\bf{1\% (Max. Rs. 50 million)}}} \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{MSME refinance at {\bf{2\% (Max. Rs. 1.5 million)}}} \tn 
% Row Count 5 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{General refinance at {\bf{3\% (Max. Rs. 200 million)}}} \tn 
% Row Count 6 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


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

\end{document}