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Investor Presentaiton

V. Conclusion Financial sector needs major overhauling which could be initiated as part of complying with IMF loan conditionality amendment of bank company act, - lifting the cap on lending rate to ensure better access for SMEs, transparency in outstanding loan, the effective oversight role of the central bank, security and exchange commission (SEC) and Insurance Development and Regulatory Authority (IDRA) Competitive environment in the businesses has further deteriorated due to lack of proper practices of corporate governance, weak regulatory oversight and lack of corporate ethics • • • The Competition Commission, the Consumer Rights Protection Division of the MoC, Central Bank, the NBR and the Ministry of Finance should play due role in ensuring competition in the market Companies playing the role of 'dominant market player' needs to be regularly monitored in their operations in different segments of the markets and supply chains Inclusive supply chain in major sectors needs to be developed with the assured presence of SMEs in each segment of the supply chain Business-related information needs to be disclosed in an integrated information and data system to review the operations of the market players in the supply chains 71
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