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12 pc of Tk 13000 cr outstanding loan recovered in 3 months
Bangladesh Bank Governor Lutfor Rahman Sarkar yesterday said the GDP growth rate may exceed the target of 5.5 per cent at the end of the current fiscal as the overall economy of the country has picked up significantly during the past eight months.
Talking to BSS. the governor said the economy was in "good health" with a static inflation rate of 3.2 per cent.
Remittances from wage earners abroad have increased by 28.32 per cent during the period — the highest growth compared to any previous year, he said, adding the export earnings have increased by 8.8 per cent till February.
Sarkar said the commercial banks hasTk 1,356.61 crore is excess liquidity which is 22.65 per cent of their total deposit.
Dismissing the news published in a section of newspapers on liquidity crisis in money market, the Bangladesh Bank Governor said. "The commercial banks have 2.65 percentage point higher reserve than the statutory liquidity reserve (SLR)."
He said there was no question of shutting down any bank as the financial health of the banking sector was much better now than a couple of years before.
"I would have termed the banking sector "stronger." if there was no problem of huge amount of outstanding loan." he said.
The central bank governor said the outstanding credit problems have been created over the years as in the past, the banks loans were given under
insufficient Ioan recovery laws, political pressure, less transparency and accountability.
He expressed the hope that the loan recovery rate would increase to a satisfactory level after the implementation of the Bankruptcy Law which was passed by Parliament this year.
Sarkar said. "The Bankruptcy Law is expected to become effective within two to three days by executive order."
During the last three months, the banks have recovered Tk 1.592.74 crore, which is 12 per cent of the total outstanding loan of Tk 13,000 cr, he said, adding "I think it is a good beginning as we could recover the amount only through Ersuation without taking any
Jal action."
The central bank governor said. "I think the situation is not worrying, but I was wrongly quoted earlier as saying that banking system was on the verge of collapse.”
Describing the present drive and measures for removing the default culture, the governor said that from now on. the banks would work under more accountability, transparency and stronger loan appraisal system.
He said the banks have already been working in an atmosphere free of political influence or pressure.
Sarkar said the growth rate of bank loan disbursement was 7.75 per cent during the first six months of the current fiscal and it is expected to reach the target of 15 per cent by the end of this fiscal.
He said the loan amount stood at Tk 46,821 crore today as against Tk 40.662.80 crore on this day last year.
'The figures indicate that the loan disbursement situation has improved with streamlining of lending process of bank."
Sarkar said, "to discourage default loan culture, we have decided to impose restriction on exemption of interest while rescheduling any outstanding loan amount."
He said that all the banks had been suggested to give rebate on interest only to the performing loan receivers.
He said a'task force had been formed by the central bank with a general manager as its head. "The entrepreneurs will be able to register their complaints with the central bank's cell, if they face any undue difficulties in receiving loan," he said.