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According to the updated report of Bangladesh Bank, the package of Tk 40,000 crore was announced in the first market as a 40 thousand crore package for various organizations in the affected industrial and service sector, the implementation rate of which was 81.76 percent. However, from July 1 of the current financial year, the second metro package has been implemented on April 13.
On the other hand, the project is set to be 20,000 crore in the first capital, the 2000 crore, the 20th-100000000000000000000000000000000 around 20,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,00
In terms of loan disbursement, several banks are in a bad position, while 19 banks have not disbursed even one rupee, while the loan disbursement rate of 4 banks is less than 1 percent, while 2 banks have disbursed loans less than 2 percent.
14 banks have distributed loans of more than 50 percent, with the highest priority, the fourth generation of Bengal Commercial Bank, which has a target of only Tk 50 crore, and then the foreign Habib Bank has distributed 95 percent of the bank.
The Bank has then distributed more loans, which the bank has distributed 88 percent of the target incentive loans, which the target was Tk 957 crore and the bank has distributed Tk 841 crore 90 lakh.
When asked how the city bank has disbursed so many loans where most of the banks are behind in loan disbursement, Masroor Arefin, the bank's chief executive and managing director, said, ‘We give more priority to the customers. We have a good relationship with the customers. We have helped the customer who has never defaulted due to Covid and the customer has returned the incentive loan.’
When asked how much the loan money is coming back, he said, ‘All the customers are returning the money. No one has defaulted. So we have distributed the loans on the basis of the relationship between the customer and the bank. We have not disbursed the loan to any bad customer.’
The managing director of a private bank, who said that the overall loan disbursement rate is disappointing, said: ‘The first phase of the loan disbursement money did not return the same. Then, if you did not return one rupee, you could not default. After that, if you return 25 percent of the installments, you will not default on the central bank. For these reasons, we could not distribute the loan in the second phase. The money that Bangladesh Bank had paid for disbursement of the first phase of the loan was returned after a year, but I did not get that money back from the customer.’
According to a source in Bangladesh Bank, in the first phase, 32,703 crores of Tk 30,003 crore were distributed from the incentive fund announced for the industrial and service sector, which 3,306 industries have received this loan. 11,322 crores have been distributed from this fund in the second month, 1,162 industries have received loans. The loan interest rate of this fund is 9 percent, but customers have to pay 4 percent in the past, while the government is giving 4 percent subsidy.
9 thousand 828 crore rupees have been distributed in the second part of the incentive package announced for small and medium enterprises, 56 thousand 47 institutions have received loans from this fund of Tk 20 thousand crore. In the first phase, 15 thousand 386 crore rupees were given from the fund, 97 thousand 814 customers got the loan, the interest on this loan is 9 percent, but the government is paying 5 percent of the customer.
Bangladesh Bank officials say that as much interest as the first phase of the loan from the incentive package is not showing as much interest as the second clause, because the loans have come to pay off their loans.
Meanwhile, 10 lakh 218 crore loans of Tk 1 lakh 218 crore have been distributed from 10 incentive funds managed by Bangladesh Bank. Out of which 44 thousand 26 crore rupees have been distributed to industrial and service sector, 25 thousand 215 crore rupees from cottage, small and medium institutions, refinance in the pre-shipment sector, 652 crore rupees, 2 thousand 718 crore rupees have been distributed among the professional farmers and small businessmen of the lower sector.
27 thousand 758 crores from the export development fund, 89 crores from the debt constraint scheme of the SME sector, 5 thousand crores among the workers working in the export-oriented industry, 1 thousand 390 crores for the customer interest subsidy and the distribution of 5 thousand 902 crores of the agricultural sector refinance scheme has been disbursed for the employees of tourism sector, motels and theme parks are not being paid for the employees of the tourism sector, Motel and Them Park.
The government has announced a total of 28 packages to restore the economy due to the pandemic Covid 19. In these packages, the amount of money in these packages is Tk 1 lakh 87 thousand 679 crore. Later, through the Export Proceeding Fund (EDF), another 12 thousand 750 crores of rupees were added to the package. All the millet incentive packages have been 2000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000
