Bangladesh-Bank-BB-Daily-Bangladesh-2204211221

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Bangladesh-Bank-BB-Daily-Bangladesh-2204211221

EDF reduced to $5.5b, banks to face penalty interest for repayment delay

Banks will have to pay 4% “penal interest” if they fail to repay loans taken from the Export Development Fund (EDF) formed from the country’s foreign exchange reserves on time, according to a circular issued by the Bangladesh Bank on Sunday. 

The central bank has made the decision as several banks have been delaying the repayment of EDF loans for a long time, officials concerned have told The Business Standard.

Data obtained from the central bank on 19 March show that the outstanding amount of EDF loans currently stands at $5.5 billion.

To reduce the strain on its reserves, the central bank has been more aggressive in recovering outstanding EDF loans than disbursing new loans from the fund. In the last two and a half months, the amount of outstanding EDF loans has been reduced by over $1.5 billion.

According to central bank sources, the size of the EDF at the beginning of January this year was more than $7 billion, which was reduced to $6 billion by the third week of the month.

A senior official of the central bank said that the size of the EDF is regularly being reduced in accordance with the advice of the IMF.

According to the central bank’s guidelines, foreign exchange assistance is provided to exporters for importing raw materials under the EDF. An EDF loan has a tenor of 180 days and this period can be extended by another 90 days subject to the approval of the Bangladesh Bank. But, many banks failed to repay EDF loans even long after the completion of the extended period, prompting the central bank to impose penal interest.

The latest circular of the central bank says that the penal interest or compensation in the case of Shariah-based Islamic banking will be charged at a rate of 4% per annum above the prevailing interest rate on the overdue amount of EDF loans for the delayed period.

According to industry insiders, the interest rate of EDF loans was previously determined in accordance with the London Interbank Offer Rate (Libor). Until the beginning of the Covid-induced economic downturn, the interest rate of EDF loans was fixed by adding 1.5% to the 6-month average Libor.

However, to reduce the cost of funds amid the coronavirus pandemic, the interest rate was fixed at 2% in the first phase. Later on 20 July last, the rate was increased to 3%. Finally, the Bangladesh Bank increased the interest rate to 4.5% in January this year.

According to several sources of the central bank, the size of EDF will be downsized by another $2-3 billion within the next six months.

The central bank is planning to phase out foreign currency lending from EDF, which is made up of foreign currency.

The IMF delegation that visited Dhaka in December last year to discuss the terms and conditions for the $4.5 billion loan also suggested that the central bank exclude the existing EDF loans from its reserve calculation, sources at the central banks told The Business Standard.

Anwar-ul Alam Chowdhury, chairman of Evince Textiles Ltd, told TBS, “EDF was instrumental to increasing our country’s exports. Through this, traders could take funds at low interest. The latest central bank instruction will discourage them from doing so.”

“If the interest rate of this fund is high, the product cost will also be high, which will trigger sales problems. It is true that the government is under some pressure because of the IMF’s loan conditions, but phasing out EDF should have been done slowly. At least a year would have given everyone a chance to sort it out,” he said.

“Backward linkages will face some major problems as they have to bring the cotton in advance. Besides, textile mills import yarn with EDF funds. At present, they have fewer orders, and if the import cost becomes high, they will face a big problem,” Anwar-ul Alam Chowdhury said.

The central bank has reduced the size of the EDF but created a new fund of Tk10,000 crore as part of its decision to build an EDF in local currency to support exporters by providing loans at 4% interest.

In this regard, several exporters said the problem remains even if the fund is provided in local currency. Because Bangladeshi traders have to pay more than Tk110 for a dollar to import goods but get a lower rate when they export.

At present, the gross foreign currency reserves of the country stand at $31.28 billion, but if the IMF calculation is taken into account, the figure will be nearly $24 billion, according to central bank sources.

banks-loan-rescheduling

Banks waive off Tk5,064cr in loan interests in 2022

Sector insiders blame the central bank’s liberal policy that empowers bank owners to waive loan interests on nominal down payments

Infograph: TBS

Infograph: TBS

Default loan rescheduling and loan interest waivers have increased at an unusual rate in the banking sector, according to the latest Bangladesh Bank data.

Lenders waived off some Tk5,064 crore while rescheduling loans throughout 2022. It is Tk3,209 crore higher than that of the previous year.

For such a situation, sector insiders blamed the liberal policy of the central bank which empowered bank owners to waive loan interests on nominal down payments.

Besides, the desperate attitude of banks to recover outstanding loans which got stuck thanks to pandemic-induced relaxed policies also contributed to the surge in waived-off interests.

“All the benefits of loan rescheduling and waiver are received by some large borrowers, who are mostly wilful defaulters,” Salehuddin Ahmed, former central bank governor, told The Business Standard.

“Currently the banking sector is very unfortunate. The central bank is not taking proper actions, banks are tactfully making their balance sheet look good. No one is giving due importance to protecting the interests of the depositors.”

“The central bank should play a stronger role to curb such irregularities in the banking sector. For example, strict measures should be taken if any customer defaults. At the same time, new loans should be scrutinised properly,” he added.

According to the Bangladesh Bank, banks waived off Tk1,194 crore in loan interest in 2018 as the figure jumped to Tk2,293 crore next year. It dropped slightly to Tk1,578 crore in 2020 and spiralled again to Tk1,855 crore in 2021.

Besides, banks rescheduled loans of Tk27,279 crore in 2022, almost two times more than Tk12,380 crore in 2021. It was Tk13,468 crores in 2020.

Thanks to the latest interest waivers, the amount of defaulted loans of banks fell to Tk1.20 lakh crore at the end of December 2022 from Tk1.32 lakh crore in January of that year, Bangladesh Bank data said.

“It would have been good if banks had waived interest on bad loans [to small borrowers]. The benefit of the interest waiver is gone to large groups, unfortunately,” a central bank official, wishing to remain unnamed, told The Business Standard.

Last year, a Chattogram-based group got large amounts of interest waiver from National Bank and a state-owned bank, he added.

Regarding defaulted loans, former governor Salehuddin Ahmed said, “This is not the actual amount of defaulted loans in the banking sector. The figure has been hidden in various ways.”

“International rating agencies are marking our banking sector negatively, which is bad for the overall economy. Our imports will suffer and interest rates on foreign loans will increase, as a consequence. Mass people will be the ultimate sufferer,” he added.

“Now, many banks are in a liquidity crisis.  At the same time, their defaulted loans are increasing. Such banks are set to see more difficulties soon,” a private bank managing director, asked not to be named, told TBS.

“Banks have been stuck with defaulted loans of customers for a long time. Hence, they are trying to recover their money even though they need to waive some amounts, which is why interest waivers have been on the rise,” he added.

The Bangladesh Bank, in a circular in July last year, empowered boards of banks for rescheduling new loans on 2.5-4.5% deposits. Prior to that, the central bank’s approval was required to regularise the loans and 10-30% deposits were mandatory. Besides, the time limit for repayments was extended up to eight years, from the previous two years.

Source: The Business Standard

Bangladesh-Bank-BB-Daily-Bangladesh-2204211221

BB working to scrap interest rate ceiling

foreign debt

The Bangladesh Bank has taken an initiative to scrap the 9 per cent interest rate ceiling and introduce a market-based interest rate on loans.

“We are working on the development of a market-based reference rate. On top of that, we will be giving a corridor for the lending rates,” said Bangladesh Bank Governor Abdur Rouf Talukder yesterday.

He came up with the remarks on the second day of the Bangladesh Business Summit at the Bangabandhu International Conference Center in the capital.

The Federation of the Bangladesh Chambers of Commerce and Industry organised the three-day event in cooperation with the foreign and commerce ministries and the Bangladesh Investment Development Authority.

Contacted, a BB official explained the governor’s comment, saying that the central bank might initially set a reference rate on loans based on the demand for credit from borrowers.

 

“Non-performing loans (NPLs) are like cancer. If you can’t cure it within the shortest possible time, you will die. And there is no other conclusion,” said Ali Reza Iftekhar, a former chairman of the Association of Bankers

“We will then set a range of a particular corridor of interest rates on the reference rate that will be applicable to borrowers,” he said.

For instance, if the reference rate is set at 9 per cent, the corridor might be in the range of 2 to 3 per cent. This means banks may charge a maximum interest rate of 12 per cent, the BB official said, on condition of anonymity.

“Probably, shortly we will be able to introduce this new initiative,” said the BB governor at a session on long-term finance.

The BB has maintained the ceiling since April 2020. In January, it relaxed the lending rate cap for consumer loans, allowing banks to hike it up to 3 percentage points.

Citing the BB’s efforts aimed at restoring discipline in the foreign exchange market, Talukder said that the central bank was trying to keep the exchange rate stable.

Bangladesh’s foreign exchange market has been under pressure for nearly a year owing to the fast-depletion of the foreign currency reserves amid escalated import bills.

The reserves have slipped to a six-year low of $31.15 billion last week, down 30 per cent from $44.14 billion recorded in March last year. Amid the shortage of the American greenback, the taka has lost its value by about 25 per cent in the past one year.

“We will also eliminate multiple rates of the US dollar. We are close to that. You will see shortly a market-based exchange rate regime.”

Currently, the US dollar trades at different rates for exporters, importers and remitters.

The governor said that the central bank has taken several measures to contain higher inflation, which has stayed at an elevated level for the higher global commodity prices.

Consumer prices climbed to 8.78 per cent in February, breaking a five-month declining trend, official figures showed yesterday.

“Our policy is to reduce the growth of aggregate demand while making supply-side interventions. This means the central bank will finance the supply-side initiatives,” Talukder said.

Speaking at the discussion, Ali Reza Iftekhar, chairman of the Association of Bankers, Bangladesh, a platform for managing directors of banks in Bangladesh, described non-performing loans (NPLs) as cancer.

“If you can’t cure it within the shortest possible time, you will die. And there is no other conclusion. A bank should be very careful about NPLs,” said the managing director of Eastern Bank.

“If you look at the balance sheet of any bank, you will see that it earns a lot of money. But it also loses money because of the defaulted loans.”

Default loans in the banking sector jumped 17 per cent year-on-year to Tk 120,656 crore last year owing to a lack of corporate governance and the ongoing business slowdown.

“If we don’t have good governance at banks, you will face a high level of NPLs. You can’t stop it. The role of the board and the management should be clearly and distinctly divided. The roles are different but the goal should be the same,” Iftekhar said.

The noted banker suggested banks not hide NPLs. “If they hide defaulted loans under the carpet, bad loans can’t be managed.”

According to Iftekhar, good governance, reducing NPLs, and appointment of independent directors are highly important to ensure discipline in the banking sector.

Arif Khan, vice-chairman of Shanta Asset Management Ltd, presented a keynote paper styled “Developing Long-term Finance Markets to Support New Growth Opportunities” at the event.

“Bank deposits are mainly short-term. So, a severe asset-liability mismatch takes place when long-term loans are provided based on those deposits.”

He said higher NPLs have emerged as a concern for the banking sector.

Atiur Rahman, a former BB governor, moderated the session, which was chaired by Shaikh Shamsuddin Ahmed, a commissioner of the Bangladesh Securities and Exchange Commission.

Khalid Qadir, CEO of Brummer Partners, Alamgir Morshed, CEO of Infrastructure Development Company Ltd, Md Mahbub-Ur Rahman, CEO of HSBC Bangladesh, Asif Ibrahim, chairman of the Chittagong Stock Exchange, Yahya Al Harthi, director of Saudi Exim Bank, and D J Pandian, director-general of New Development Bank, also spoke.

Source: The Daily Star

prothomalo-bangla_2023-01_37c7de3d-12e5-4e3f-8924-6dfbba938c17_833ba86d_eb20_4004_a18d_4c75b4fe55b5

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āĻĻ⧁āĻĻāϕ⧇āϰ āĻāϜāĻžāĻšāĻžāϰ⧇ āĻ…āĻ­āĻŋāϝ⧋āĻ— āĻ•āϰāĻž āĻšāϝāĻŧ, āĻĒā§āϰāϤāĻžāϰāĻŖāĻž āĻ“ āϜāĻžāϞāĻŋāϝāĻŧāĻžāϤāĻŋāϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ āĻ•āĻžāϗ⧁āĻœā§‡ āĻĒā§āϰāϤāĻŋāĻˇā§āĻ āĻžāύ āϞāĻŋāĻŽāĻž āĻŸā§āϰ⧇āĻĄāĻŋāĻ‚āϝāĻŧ⧇āϰ āύāĻžāĻŽā§‡ āϰ⧇āĻ•āĻ°ā§āĻĄāĻĒāĻ¤ā§āϰ āϤ⧈āϰāĻŋ āĻ•āϰ⧇ ā§§ā§Ģ āϞāĻžāĻ– āϟāĻžāĻ•āĻž āĻ‹āĻŖ āĻĻ⧇āϝāĻŧāĻž āĻšāϝāĻŧāĨ¤ āĻ‹āĻŖāĻ—ā§āϰāĻšā§€āϤāĻž āϞāĻŋāĻŽāĻž āϰāĻšāĻŽāĻžāύ⧇āϰ āύāĻžāĻŽ āϜāĻžāϤ⧀āϝāĻŧ āĻĒāϰāĻŋāϚāϝāĻŧāĻĒāĻ¤ā§āϰ āĻ…āύ⧁āϝāĻžāϝāĻŧā§€ āϞāĻŋāĻŽāĻž āφāĻ•ā§āϤāĻžāϰāĨ¤ āĻŦāĻ¨ā§āϧāĻ•āĻŋ āϏāĻŽā§āĻĒāĻ¤ā§āϤāĻŋ āĻļāύāĻžāĻ•ā§āϤ āĻ“ āϚāĻŋāĻšā§āύāĻŋāϤ āĻ•āϰāĻž āĻ›āĻžāĻĄāĻŧāĻžāχ āĻ‹āĻŖ āĻŦāĻŋāϤāϰāĻŖ āĻ•āϰāĻž āĻšāϝāĻŧāĨ¤ ⧍ā§Ļ⧍⧧ āϏāĻžāϞ⧇āϰ ⧝ āύāϭ⧇āĻŽā§āĻŦāϰ āϤāĻžāϰāĻŋāϖ⧇ āϏ⧁āĻĻāϏāĻš āĻĒāĻžāĻ“āύāĻž āĻĻāĻžāρāĻĄāĻŧāĻžāϝāĻŧ ā§Šā§¨ āϞāĻžāĻ– ā§Žā§Ē āĻšāĻžāϜāĻžāϰ ā§Ŧā§§ā§Š āϟāĻžāĻ•āĻžāĨ¤

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āĻ…āύ⧁āϏāĻ¨ā§āϧāĻžāύ⧇ āĻĻ⧁āĻĻāĻ• āĻŽā§‡āϏāĻžāĻ°ā§āϏ āϞāĻŋāĻŽāĻž āĻŸā§āϰ⧇āĻĄāĻŋāĻ‚ āύāĻžāĻŽā§‡āϰ āĻŦā§āϝāĻŦāϏāĻž āĻĒā§āϰāϤāĻŋāĻˇā§āĻ āĻžāύ⧇āϰ āϕ⧋āύ⧋ āĻ…āĻ¸ā§āϤāĻŋāĻ¤ā§āĻŦ āϖ⧁āρāĻœā§‡ āĻĒāĻžāϝāĻŧāύāĻŋāĨ¤ āĻŽāĻŋāϰāĻĒ⧁āϰ āĻŽāĻĄā§‡āϞ āĻĨāĻžāύāĻžāĻ“ āϜāĻžāύāĻŋāϝāĻŧ⧇āϛ⧇, āĻ“āχ āĻ āĻŋāĻ•āĻžāύāĻžāϝāĻŧ āĻ•āĻ–āύ⧋āχ āĻ“āχ āĻĒā§āϰāϤāĻŋāĻˇā§āĻ āĻžāύ āĻ›āĻŋāϞ āύāĻžāĨ¤ āĻŦāĻžāĻĄāĻŧāĻŋāĻŽāĻžāϞāĻŋāĻ• āύ⧁āϰ⧁āĻœā§āϜāĻžāĻŽāĻžāύāĻ“ āĻāĻ•āχ āĻ•āĻĨāĻž āϜāĻžāύāĻžāύāĨ¤ āϤāĻĢāϏāĻŋāϞ⧇āϰ āϏāĻŽā§āĻĒāĻ¤ā§āϤāĻŋāϰ āĻ•ā§āϰāϝāĻŧ āĻĻāϞāĻŋāϞ āĻĒāĻ°ā§āϝāĻžāϞ⧋āϚāύāĻžāϝāĻŧ āĻĻ⧇āĻ–āĻž āϝāĻžāϝāĻŧ, āĻ‹āĻŖāĻ—ā§āϰāĻšā§€āϤāĻž āϞāĻŋāĻŽāĻž āϰāĻšāĻŽāĻžāύ⧇āϰ āĻ¸ā§āĻŦāĻžāĻŽā§€ āĻŽā§āϜāĻŋāĻŦ⧁āϰ āϰāĻšāĻŽāĻžāύ āĻ“ āϤāĻžāϰ āĻ­āĻžāχ āĻšāĻžāĻŦāĻŋāĻŦ⧁āϰ āϰāĻšāĻŽāĻžāύ āĻŽā§‹āϟ ⧍ā§Ļ āĻļāϤāĻžāĻ‚āĻļ āϜāĻŽāĻŋāϰ āĻŽāĻžāϞāĻŋāĻ•āĨ¤ āϤāĻžāϰ āĻŽāĻ§ā§āϝ⧇ āĻŽā§āϜāĻŋāĻŦ⧁āϰ āϰāĻšāĻŽāĻžāύ ā§§ā§Š āĻļāϤāĻžāĻ‚āĻļ⧇āϰ āĻŽāĻžāϞāĻŋāĻ•āĨ¤ āϜāĻŽāĻžāĻ­āĻžāĻ— āύāĻĨāĻŋ āĻ…āύ⧁āϝāĻžāϝāĻŧā§€ ⧍ā§Ļ.ā§§ āĻļāϤāĻžāĻ‚āĻļ āϜāĻŽāĻŋ āĻĻ⧁āχ āĻ­āĻžāχāϝāĻŧ⧇āϰ āύāĻžāĻŽā§‡ āϰ⧇āĻ•āĻ°ā§āĻĄ āĻšāϝāĻŧāĨ¤ āĻ‹āĻŖ āĻ—ā§āϰāĻšāĻŖāĻ•āĻžāϞ⧇ āĻŽā§āϜāĻŋāĻŦ⧁āϰ āϰāĻšāĻŽāĻžāύ⧇āϰ ā§§ā§Š āĻļāϤāĻžāĻ‚āĻļ āϜāĻŽāĻŋ āĻŦā§āϝāĻžāĻ‚āϕ⧇āϰ āĻ•āĻžāϛ⧇ āĻŦāĻ¨ā§āϧāĻ• āĻĻ⧇āϝāĻŧāĻž āĻšāϝāĻŧāĨ¤ āĻŦāĻ¨ā§āϧāĻ•āĻŋ āĻĻāϞāĻŋāϞ⧇ āϜāĻŽāĻŋāϰ āϚ⧌āĻšāĻĻā§āĻĻāĻŋ āϝāĻĨāĻžāϝāĻĨāĻ­āĻžāĻŦ⧇ āωāĻ˛ā§āϞ⧇āĻ– āύāĻž āĻĨāĻžāĻ•āĻžāϝāĻŧ āϜāĻŽāĻŋāϟāĻŋ āύāĻŋāϞāĻžāĻŽā§‡ āĻŦāĻŋāĻ•ā§āϰāĻŋ āĻ•āϰ⧇ āĻ‹āϪ⧇āϰ āĻ…āĻ°ā§āĻĨ āϏāĻŽāĻ¨ā§āĻŦāϝāĻŧ āĻ•āϰāĻž āϝāĻžāϝāĻŧāύāĻŋāĨ¤ āϞāĻŋāĻŽāĻž āϰāĻšāĻŽāĻžāύ āϭ⧁āϝāĻŧāĻž āĻ āĻŋāĻ•āĻžāύāĻž āĻĻ⧇āĻ–āĻŋāϝāĻŧ⧇ āĻ‹āϪ⧇āϰ āϜāĻ¨ā§āϝ āφāĻŦ⧇āĻĻāύ āĻ•āϰ⧇ āĻ…āĻ¨ā§āϝ⧇āϰ āĻŽāĻžāϞāĻŋāĻ•āĻžāύāĻžāϧ⧀āύ āϜāĻŽāĻŋ āĻŽāĻ°ā§āϟāϗ⧇āϜ āĻĻ⧇āĻ–āĻŋāϝāĻŧ⧇ ā§§ā§Ģ āϞāĻžāĻ– āϟāĻžāĻ•āĻž āωāĻ¤ā§āϤ⧋āϞāύ āĻ•āϰ⧇ āφāĻ¤ā§āĻŽāϏāĻžā§Ž āĻ•āϰ⧇āϛ⧇āύāĨ¤

āĻļāĻžāĻ–āĻžāϰ āĻ‹āĻŖ āĻ“ āĻ…āĻ—ā§āϰāĻŋāĻŽā§‡āϰ āĻĻāĻžāϝāĻŧāĻŋāĻ¤ā§āĻŦ⧇ āύāĻŋāϝāĻŧā§‹āϜāĻŋāϤ āĻļāĻžāĻ–āĻž āĻ…āĻĢāĻŋāϏāĻžāϰ āĻļāĻžāĻšāĻžāĻĻāĻžāϤ āĻšā§‹āϏ⧇āύ āĻĻāϞāĻŋāϞāĻĒāĻ¤ā§āϰ āϝāĻžāϚāĻžāχ-āĻŦāĻžāĻ›āĻžāχ āĻ“ āĻĒā§āϰāĻ¸ā§āϤāĻžāĻŦ āĻĒā§āϰāĻ•ā§āϰāĻŋāϝāĻŧāĻžāĻ•āϰāĻŖ āϏāĻ āĻŋāĻ•āĻ­āĻžāĻŦ⧇ āϏāĻŽā§āĻĒāĻžāĻĻāύ āĻāĻŦāĻ‚ āϏāĻ‚āϰāĻ•ā§āώāĻŖ āĻ•āϰ⧇āύāύāĻŋāĨ¤ āĻĒāĻžāĻļāĻžāĻĒāĻžāĻļāĻŋ āĻĄ. āĻŽā§‹. āĻšāĻžāĻĢāĻŋāϜ⧁āϰ āϰāĻšāĻŽāĻžāύ āĻļāĻžāĻ–āĻž āĻŦā§āϝāĻŦāĻ¸ā§āĻĨāĻžāĻĒāĻ• āĻšāĻŋāϏ⧇āĻŦ⧇ āĻ‹āĻŖ āĻĻ⧇āϝāĻŧāĻžāϰ āĻ•ā§āώ⧇āĻ¤ā§āϰ⧇ āϏāĻ āĻŋāĻ•āĻ­āĻžāĻŦ⧇ āĻ—ā§āϰāĻžāĻšāĻ• āύāĻŋāĻ°ā§āĻŦāĻžāϚāύ, āĻŽāĻžā§āϜ⧁āϰāĻŋ āĻ“ āĻŦāĻŋāϤāϰāĻŖ, āĻĻāϞāĻŋāϞāĻžāĻĻāĻŋ āϏāĻŽā§āĻĒāĻžāĻĻāύ, āĻ‹āĻŖāϗ⧁āϞ⧋ āϤāĻĻāĻžāϰāĻ•āĻŋ āĻŦāĻž āύāϜāϰāĻĻāĻžāϰāĻŋ āĻāĻŦāĻ‚ āĻĒāϰ⧇ āĻŦā§āϝāĻžāĻ‚āϕ⧇āϰ āĻĒāĻžāĻ“āύāĻž āφāĻĻāĻžāϝāĻŧ⧇ āĻ•āĻžāĻ°ā§āϝāĻ•āϰ āĻĒāĻĻāĻ•ā§āώ⧇āĻĒ āύāĻž āύ⧇āϝāĻŧāĻžāϝāĻŧ āĻ‹āĻŖ āĻā§āρāĻ•āĻŋāĻĒā§‚āĻ°ā§āĻŖ āĻ“ āĻļā§āϰ⧇āĻŖāĻŋāĻ•ā§ƒāϤ āĻšāϝāĻŧ⧇ āφāĻĻāĻžāϝāĻŧ āĻ…āύāĻŋāĻļā§āϚāĻŋāϤ āĻšāϝāĻŧ⧇ āĻĒāĻĄāĻŧ⧇āĨ¤ āĻāϤ⧇ āĻŦā§āϝāĻžāĻ‚āϕ⧇āϰ āφāĻ°ā§āĻĨāĻŋāĻ• āĻ•ā§āώāϤāĻŋ āĻšāϝāĻŧ⧇āϛ⧇āĨ¤ āĻŦā§āϝāĻžāĻ‚āĻ• āĻ—āĻ āĻŋāϤ āĻĒāϰāĻŋāĻĻāĻ°ā§āĻļāύ āĻ“ āύāĻŋāϰ⧀āĻ•ā§āώāĻž āĻĻāϞāĻ“ āϏāϰ⧇āϜāĻŽāĻŋāύ⧇

āĻĒāϰāĻŋāĻĻāĻ°ā§āĻļāύāĻ•āĻžāϞ⧇ āĻ‹āϪ⧇āϰ āĻŦāĻŋāĻĒāϰ⧀āϤ⧇ āĻŦā§āϝāĻžāĻ‚āϕ⧇āϰ āĻ…āύ⧁āϕ⧂āϞ⧇ āĻĻāĻžāϝāĻŧāĻŦāĻĻā§āϧ āĻŦāĻ¨ā§āϧāĻ•āĻŋ āϏāĻŽā§āĻĒāĻ¤ā§āϤāĻŋ āϖ⧁āρāĻœā§‡ āĻĒāĻžāϝāĻŧāύāĻŋāĨ¤ āĻĒā§āϰāĻ•ā§āϰāĻŋāϝāĻŧāĻžāϟāĻŋāϰ āϏāĻ™ā§āϗ⧇ āϜāĻĄāĻŧāĻŋāϤ āĻĄ. āĻŽā§‹. āĻšāĻžāĻĢāĻŋāϜ⧁āϰ āϰāĻšāĻŽāĻžāύ, āĻļāĻžāĻšāĻžāĻĻāĻžāϤ āĻšā§‹āϏ⧇āύ āĻ“ āĻ‹āĻŖāĻ—ā§āϰāĻšā§€āϤāĻž āϞāĻŋāĻŽāĻž āϰāĻšāĻŽāĻžāύāϕ⧇ āφāϏāĻžāĻŽāĻŋ āĻ•āϰāĻž āĻšāϝāĻŧ, āϝāĻžāϰ āĻŽāĻžāĻŽāϞāĻž āύāĻŽā§āĻŦāϰ ā§§ā§ĢāĨ¤ āϤāĻžāϰāĻž āĻĻāĻŖā§āĻĄāĻŦāĻŋāϧāĻŋāϰ ā§Ēā§Ļ⧝/ ā§Ē⧍ā§Ļ/ ā§Ēā§Ŧā§­/ ā§Ēā§Ŧā§Ž/ ā§Ēā§­ā§§/ ā§§ā§Ļ⧝ āĻāĻŦāĻ‚ ⧧⧝ā§Ēā§­ āϏāĻžāϞ⧇āϰ āĻĻ⧁āĻ°ā§āύ⧀āϤāĻŋ āĻĒā§āϰāϤāĻŋāϰ⧋āϧ āφāχāύ⧇āϰ ā§Ģ(⧍) āϧāĻžāϰāĻžāϝāĻŧ āĻļāĻžāĻ¸ā§āϤāĻŋāϝ⧋āĻ—ā§āϝ āĻ…āĻĒāϰāĻžāϧ āĻ•āϰ⧇āĻ›āύāĨ¤

āĻĻ⧁āĻĻāϕ⧇āϰ āĻāϜāĻžāĻšāĻžāϰ⧇ āĻ…āĻ­āĻŋāϝ⧋āĻ— āĻ•āϰāĻž āĻšāϝāĻŧ, āĻĒā§āϰāϤāĻžāϰāĻŖāĻž āĻ“ āϜāĻžāϞāĻŋāϝāĻŧāĻžāϤāĻŋāϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ āĻ•āĻžāϗ⧁āĻœā§‡ āĻĒā§āϰāϤāĻŋāĻˇā§āĻ āĻžāύ āχāωāύāĻŋāĻ­āĻžāĻ°ā§āϏ⧇āϞ āĻŸā§‡āĻ•āύ⧋āϞāϜāĻŋāĻ•ā§āϝāĻžāϞ āϏāĻžāĻ°ā§āĻ­āĻŋāϏ⧇āϏ āϞāĻŋāĻŽāĻŋāĻŸā§‡āĻĄā§‡āϰ āύāĻžāĻŽā§‡ āϰ⧇āĻ•āĻ°ā§āĻĄāĻĒāĻ¤ā§āϰ āϤ⧈āϰāĻŋ āĻ•āϰ⧇ āϏāĻŋāϏāĻŋ āĻ–āĻžāϤ⧇ ā§§ā§Ļ āϞāĻžāĻ– āĻ“ āĻāϏāĻāĻŽāχ āĻ–āĻžāϤ⧇ āĻĒāĻžāρāϚ āϞāĻžāĻ–āϏāĻš āĻŽā§‹āϟ ā§§ā§Ģ āϟāĻžāĻ•āĻž āĻ‹āĻŖ āĻĻ⧇āϝāĻŧāĻž āĻšāϝāĻŧ⧇āϛ⧇āĨ¤ āĻ‹āĻŖāĻ—ā§āϰāĻšā§€āϤāĻžāϰ āύāĻžāĻŽ āϕ⧇āĻāĻŽ āϰ⧇āϜāĻžāωāϞ āĻšā§‹āϏāĻžāχāύāĨ¤ āĻŦāĻ¨ā§āϧāĻ•āĻŋ āϏāĻŽā§āĻĒāĻ¤ā§āϤāĻŋ āĻļāύāĻžāĻ•ā§āϤ āĻ“ āϚāĻŋāĻšā§āύāĻŋāϤ āĻ•āϰāĻž āĻ›āĻžāĻĄāĻŧāĻžāχ āĻ‹āĻŖ āĻŦāĻŋāϤāϰāĻŖ āĻ•āϰāĻž āĻšāϝāĻŧ⧇āϛ⧇āĨ¤ ⧍ā§Ļ⧍⧧ āϏāĻžāϞ⧇āϰ ⧝ āύāϭ⧇āĻŽā§āĻŦāϰ āϤāĻžāϰāĻŋāϖ⧇ āϏ⧁āĻĻāϏāĻš āĻĒāĻžāĻ“āύāĻž āĻĻāĻžāρāĻĄāĻŧāĻžāϝāĻŧ ā§Ēā§Ē āϞāĻžāĻ– ā§Žā§Ŧ āĻšāĻžāϜāĻžāϰ ā§Ģā§Ļ⧝ āϟāĻžāĻ•āĻžāĨ¤ ⧍ā§Ļā§§ā§§ āϏāĻžāϞ⧇āϰ ⧍ā§Ģ āϏ⧇āĻĒā§āĻŸā§‡āĻŽā§āĻŦāϰ āϏ⧋āύāĻžāϞ⧀ āĻŦā§āϝāĻžāĻ‚āĻ• āĻĒā§āϰāϧāĻžāύāĻŽāĻ¨ā§āĻ¤ā§āϰ⧀āϰ āĻ•āĻžāĻ°ā§āϝāĻžāϞāϝāĻŧ āĻ•āϰāĻĒā§‹āϰ⧇āϟ āĻļāĻžāĻ–āĻžāϝāĻŧ āϚāϞāϤāĻŋ āĻšāĻŋāϏāĻžāĻŦ āĻ–ā§‹āϞ⧇āύ āχāωāύāĻŋāĻ­āĻžāĻ°ā§āϏ⧇āϞ āĻŸā§‡āĻ•āύ⧋āϞāϜāĻŋāĻ•ā§āϝāĻžāϞ āϏāĻžāĻ°ā§āĻ­āĻŋāϏ⧇āϏ āϞāĻŋāĻŽāĻŋāĻŸā§‡āĻĄā§‡āϰ āĻŽāĻžāϞāĻŋāĻ• āϕ⧇āĻāĻŽ āϰ⧇āϜāĻžāωāϞ āĻšā§‹āϏāĻžāχāύāĨ¤ āϤāĻžāϰ āĻšāĻŋāϏāĻžāĻŦāϟāĻŋāϤ⧇ āĻļāύāĻžāĻ•ā§āϤāĻ•āĻžāϰ⧀ āĻšāĻŋāϏ⧇āĻŦ⧇ āĻ¸ā§āĻŦāĻžāĻ•ā§āώāϰ āĻ•āϰ⧇āύ āϏāĻšāĻ•āĻžāϰ⧀ āĻŦā§āϝāĻŦāĻ¸ā§āĻĨāĻžāĻĒāĻ• āφāĻŽā§€āϰ āωāĻĻā§āĻĻāĻŋāύāĨ¤ ⧍ā§Ļā§§ā§§ āϏāĻžāϞ⧇āϰ ⧝ āĻ…āĻ•ā§āĻŸā§‹āĻŦāϰ āϰ⧇āϜāĻžāωāϞ ⧍ā§Ļ āϞāĻžāĻ– āϟāĻžāĻ•āĻžāϰ āϏāĻŋāϏāĻŋ (āĻšāĻžāχāĻĒā§‹) āĻ‹āϪ⧇āϰ āϜāĻ¨ā§āϝ āφāĻŦ⧇āĻĻāύ āĻ•āϰ⧇āύāĨ¤ ā§Šā§§ āĻ…āĻ•ā§āĻŸā§‹āĻŦāϰ ā§§ā§Ļ āϞāĻžāĻ– āϟāĻžāĻ•āĻžāϰ āϏāĻŋāϏāĻŋ āĻ‹āĻŖ āĻŽāĻžā§āϜ⧁āϰ āĻ•āϰāĻž āĻšāϝāĻŧ, āϝāĻžāϰ āĻŽā§‡āϝāĻŧāĻžāĻĻ āĻ›āĻŋāϞ ⧍ā§Ļ⧧⧍ āϏāĻžāϞ⧇āϰ ā§Šā§§ āĻ…āĻ•ā§āĻŸā§‹āĻŦāϰāĨ¤ āĻŦāĻžāĻ‚āϞāĻžāĻĻ⧇āĻļ āĻŦā§āϝāĻžāĻ‚āϕ⧇āϰ ⧍ā§Ļ⧍⧧ āϏāĻžāϞ⧇āϰ ⧧⧍ āϜāĻžāύ⧁āϝāĻŧāĻžāϰāĻŋāϰ āĻāĻ• āϤāĻĻāĻ¨ā§āϤ āĻĒā§āϰāϤāĻŋāĻŦ⧇āĻĻāύ āĻ…āύ⧁āϏāĻžāϰ⧇, āϕ⧇āĻāĻŽ āϰ⧇āϜāĻžāωāϞ āĻšā§‹āϏāĻžāχāύ āĻ…āĻ¨ā§āϝ⧇āϰ āĻŽāĻžāϞāĻŋāĻ•āĻžāύāĻžāϧ⧀āύ āϜāĻŽāĻŋ āĻŽāĻ°ā§āϟāϗ⧇āϜ āĻĻ⧇āĻ–āĻŋāϝāĻŧ⧇ āĻļāĻžāĻ–āĻž āĻ•āĻ°ā§āĻŽāĻ•āĻ°ā§āϤāĻžāĻĻ⧇āϰ āϏāĻšāĻžāϝāĻŧāϤāĻžāϝāĻŧ ā§§ā§Ļ āϞāĻžāĻ– āϟāĻžāĻ•āĻž āωāĻ¤ā§āϤ⧋āϞāύ āĻ•āϰ⧇ āφāĻ¤ā§āĻŽāϏāĻžā§Ž āĻ•āϰ⧇āύāĨ¤ āĻļāĻžāĻ–āĻž āĻŦā§āϝāĻŦāĻ¸ā§āĻĨāĻžāĻĒāĻ• āĻĄ. āĻŽā§‹. āĻšāĻžāĻĢāĻŋāϜ⧁āϰ āϰāĻšāĻŽāĻžāύ āĻ“Â  āĻļāĻžāĻ–āĻž āĻ•āĻ°ā§āĻŽāĻ•āĻ°ā§āϤāĻž āĻļāĻžāĻšāĻžāĻĻāĻžāϤ āĻšā§‹āϏ⧇āύ āĻŦāĻ¨ā§āϧāĻ•āĻŋ āϏāĻŽā§āĻĒāĻ¤ā§āϤāĻŋāϰ āĻ…āĻ¸ā§āϤāĻŋāĻ¤ā§āĻŦ āϝāĻžāϚāĻžāχ āύāĻž āĻ•āϰ⧇ āύāĻŋāϜ āĻ•ā§āώāĻŽāϤāĻžāϰ āĻŽāĻ§ā§āϝ⧇ ā§§ā§Ļ āϞāĻžāĻ– āϟāĻžāĻ•āĻžāϰ āϏāĻŋāϏāĻŋ āĻ“ āĻĒāĻžāρāϚ āϞāĻžāĻ– āϟāĻžāĻ•āĻžāϰ āĻāϏāĻāĻŽāχ āϞ⧋āύ āĻĻāĻŋāϝāĻŧ⧇ āĻāϕ⧇ āĻ…āĻ¨ā§āϝ⧇āϰ āϏāĻšāĻžāϝāĻŧāϤāĻžāϝāĻŧ ā§§ā§Ģ āϞāĻžāĻ– āϟāĻžāĻ•āĻž āφāĻ¤ā§āĻŽāϏāĻžā§Ž āĻ•āϰ⧇āϛ⧇āύ, āϝāĻž āĻĻāĻŖā§āĻĄāĻŦāĻŋāϧāĻŋāϰ ā§Ēā§Ļ⧝/ ā§Ē⧍ā§Ļ/ ā§Ēā§Ŧā§­/ ā§Ēā§Ŧā§Ž/ ā§Ēā§­ā§§/ ā§§ā§Ļ⧝ āĻāĻŦāĻ‚ ⧧⧝ā§Ēā§­ āϏāĻžāϞ⧇āϰ āĻĻ⧁āĻ°ā§āύ⧀āϤāĻŋ āĻĒā§āϰāϤāĻŋāϰ⧋āϧ āφāχāύ⧇āϰ ā§Ģ(⧍) āϧāĻžāϰāĻžāϝāĻŧ āĻļāĻžāĻ¸ā§āϤāĻŋāϝ⧋āĻ—ā§āϝ āĻ…āĻĒāϰāĻžāϧāĨ¤ āĻ āϘāϟāύāĻžāϝāĻŧ āϜāĻĄāĻŧāĻŋāϤ āĻĄ. āĻŽā§‹. āĻšāĻžāĻĢāĻŋāϜ⧁āϰ āϰāĻšāĻŽāĻžāύ, āĻļāĻžāĻšāĻžāĻĻāĻžāϤ āĻšā§‹āϏ⧇āύ, āĻ‹āĻŖāĻ—ā§āϰāĻšā§€āϤāĻž āϕ⧇āĻāĻŽ āϰ⧇āϜāĻžāωāϞ āĻšā§‹āϏāĻžāχāύ āĻ“ āφāĻŽāĻŋāϰ āωāĻĻā§āĻĻāĻŋāύāϕ⧇ āφāϏāĻžāĻŽāĻŋ āĻ•āϰāĻž āĻšāϝāĻŧ (āĻŽāĻžāĻŽāϞāĻž āύāĻŽā§āĻŦāϰ ā§§ā§Ē)āĨ¤

āĻ…āĻ­āĻŋāϝ⧋āĻ— āĻĒā§āϰāϏāĻ™ā§āϗ⧇ āĻšāĻžāĻĢāĻŋāϜ⧁āϰ āϰāĻšāĻŽāĻžāύ āĻļ⧇āϝāĻŧāĻžāϰ āĻŦāĻŋāϜāϕ⧇ āĻŦāϞ⧇āύ, ‘āφāĻŽāĻŋ āφāĻĻāĻžāϞāϤ āĻĨ⧇āϕ⧇ āϜāĻžāĻŽāĻŋāύ āύāĻŋāϝāĻŧ⧇āĻ›āĻŋāĨ¤ āϤāĻĻāĻ¨ā§āϤ āĻ•āĻ°ā§āĻŽāĻ•āĻ°ā§āϤāĻž āĻŦāĻ¨ā§āϧāĻ•āĻŋ āϏāĻŽā§āĻĒāĻ¤ā§āϤāĻŋ āĻļāύāĻžāĻ•ā§āϤ āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύāύāĻŋāĨ¤ āĻŦāĻžāĻ‚āϞāĻžāĻĻ⧇āĻļ āĻŦā§āϝāĻžāĻ‚āĻ• āĻ…āĻ­āĻŋāϝ⧋āĻ— āĻĨ⧇āϕ⧇ āφāĻŽāĻžāϕ⧇ āĻ…āĻŦā§āϝāĻžāĻšāϤāĻŋ āĻĻāĻŋāϝāĻŧ⧇āϛ⧇āĨ¤ āϭ⧁āϝāĻŧāĻž āĻ…āĻ­āĻŋāϝ⧋āϗ⧇āϰ āĻ­āĻŋāĻ¤ā§āϤāĻŋāϤ⧇ āĻĻ⧁āĻĻāĻ• āĻŽāĻžāĻŽāϞāĻž āĻ•āϰ⧇āϛ⧇āĨ¤ āĻĻ⧁āĻĻāĻ• āϏ⧇āϕ⧇āĻ¨ā§āĻĄāĻŽā§āϝāĻžāύ, āĻĨāĻžāĻ°ā§āĻĄāĻŽā§āϝāĻžāύ āĻ“ āĻĢā§‹āĻ°ā§āĻĨāĻŽā§āϝāĻžāύāϕ⧇ āϧāϰ⧇āχāύāĻŋāĨ¤ āĻŽāĻžāĻŽāϞāĻžāϝāĻŧ āĻāϜāĻŋāĻāĻŽ āĻšā§‡āϞāĻžāϞ āωāĻĻā§āĻĻāĻŋāύ, āĻ…ā§āϝāĻžāĻĄāĻ­ā§‹āϕ⧇āϟ āĻļāĻžāĻšāϰāĻŋāύ āϏ⧁āϞāϤāĻžāύāĻž āĻŽāĻžāϞāĻž āĻ“ āφāĻŽāĻŋāύ⧁āϞ āχāϏāϞāĻžāĻŽā§‡āϰ āύāĻžāĻŽāχ āύ⧇āχāĨ¤ āĻ•ā§āϰ⧇āĻĄāĻŋāϟ āĻ•āĻŽāĻŋāϟāĻŋ āĻ‹āĻŖ āĻ…āύ⧁āĻŽā§‹āĻĻāύ āĻĻāĻŋāϝāĻŧ⧇āϛ⧇, āϤāĻžāĻĻ⧇āϰ āύāĻžāĻŽāĻ“ āĻāϞ⧋ āύāĻžāĨ¤ āĻļāĻžāĻšāĻžāĻĻāĻžāϤ āĻšā§‹āϏ⧇āύ āĻāĻ• āύāĻŽā§āĻŦāϰ āφāϏāĻžāĻŽāĻŋ āĻšāĻ“āϝāĻŧāĻžāϰ āĻ•āĻĨāĻžāĨ¤ āϤāĻžāϕ⧇ āĻ•āϰāĻž āĻšāϝāĻŧ⧇āϛ⧇ āĻĻ⧁āχ āύāĻŽā§āĻŦāϰ āφāϏāĻžāĻŽāĻŋāĨ¤ āφāĻŽāĻŋāϰ āωāĻĻā§āĻĻāĻŋāύ āĻ…ā§āϝāĻžāĻ•āĻžāωāĻ¨ā§āϟ āύāĻž āϖ⧁āϞāϞ⧇ āϤ⧋ āφāĻŽāϰāĻž āϞ⧇āύāĻĻ⧇āύāĻ“ āĻ•āϰāϤ⧇ āĻĒāĻžāϰāϤāĻžāĻŽ āύāĻžāĨ¤ āϞāĻŋāĻŽāĻž āĻŸā§āϰ⧇āĻĄāĻŋāĻ‚ āĻĻ⧁āĻĻāϕ⧇āϰ āĻ­āϝāĻŧ⧇ āϏāĻŦ āϟāĻžāĻ•āĻž āĻĒāϰāĻŋāĻļā§‹āϧ āĻ•āϰ⧇ āĻĻāĻŋāϝāĻŧ⧇āϛ⧇āĨ¤ āϏ⧋āύāĻžāϞ⧀ āĻŦā§āϝāĻžāĻ‚āĻ• āϞ⧋āĻ•āĻžāϞ āĻ…āĻĢāĻŋāϏ āĻļāĻžāĻ–āĻž āĻĨ⧇āϕ⧇ āύ⧇āϝāĻŧāĻž āĻ‹āĻŖ ā§§ā§Ļā§Ļ āĻŦāĻ›āϰ⧇āĻ“ āϤāĻžāϰāĻž āφāĻĻāĻžāϝāĻŧ āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύāĻŋāĨ¤ āϏ⧇āϟāĻž āϕ⧇āω āϞ⧇āϖ⧇ āύāĻžāĨ¤ āϏ⧋āύāĻžāϞ⧀ āĻŦā§āϝāĻžāĻ‚āĻ• āĻ•āĻŋāϛ⧁āχ āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύāĻŋāĨ¤ ā§§ā§Ž āĻšāĻžāϜāĻžāϰ āϕ⧋āϟāĻŋ āϟāĻžāĻ•āĻž āĻŽāĻžāĻĢ āĻ•āϰ⧇ āĻĻāĻŋāϝāĻŧ⧇āϛ⧇āĨ¤â€™

āϏ⧋āύāĻžāϞ⧀ āĻŦā§āϝāĻžāĻ‚āϕ⧇āϰ āĻŦā§āϝāĻŦāĻ¸ā§āĻĨāĻžāĻĒāύāĻž āĻĒāϰāĻŋāϚāĻžāϞāĻ• (āĻāĻŽāĻĄāĻŋ) āφāĻĢāϜāĻžāϞ āĻ•āϰāĻŋāĻŽ āĻļ⧇āϝāĻŧāĻžāϰ āĻŦāĻŋāϜāϕ⧇ āĻŦāϞ⧇āύ, ‘āĻŦāĻŋāώāϝāĻŧāϟāĻŋ āφāĻŽāĻŋ āϜāĻžāύāĻŋ āύāĻžāĨ¤ āφāĻ°ā§āĻĨāĻŋāĻ• āϜāĻžāϞāĻŋāϝāĻŧāĻžāϤāĻŋ āĻšāϞ⧇ āϤ⧋ āĻĻ⧁āĻĻāϕ⧇ āĻŽāĻžāĻŽāϞāĻž āĻšāϝāĻŧāχāĨ¤ āφāĻŽāĻžāĻĻ⧇āϰ āĻ•āĻ°ā§āĻŽāĻ•āĻ°ā§āϤāĻžāĻĻ⧇āϰ āĻŦāĻŋāϰ⧁āĻĻā§āϧ⧇ āĻĒā§āϰāĻŽāĻžāĻŖ āĻĒ⧇āϞ⧇ āĻŦā§āϝāĻŦāĻ¸ā§āĻĨāĻž āύ⧇āϝāĻŧāĻž āĻšāĻŦ⧇āĨ¤â€™

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āϏ⧂āĻ¤ā§āϰāσ āĻļā§‡ā§ŸāĻžāϰ āĻŦāĻŋāĻœÂ 

Bangladesh-Bank-BB-Daily-Bangladesh-2204211221

Federal Reserve Bank representatives meet BB governor

A meeting was held between a team of the Federal Reserve Bank of the United States and the Bangladesh Bank Governor Abdur Rouf Talukder.

Following the meeting, Bangladesh Bank spokesperson Mezbaul Haque told media that this was a routine meeting which was attended by representatives from the Federal Reserve Bank’s various departments including risk management department, back office, cyber security unit, relationship management department, and Asia Pacific desk of the bank.

The topics of discussion of the meeting include enquiries about any difficulty faced in transaction with the Federal Reserve Bank, how can their service be improved, enquiries about the governor’s action plan for G20 and other global events.

Source: TBS News
Bangladesh-Bank-BB-Daily-Bangladesh-2204211221

Bangladesh Bank to release new Taka 1000 notes from Thursday

Bangladesh Bank (BB) is going to issue new banknotes of Taka 1,000 denomination signed by its governor, Abdur Rouf Talukder, from Thursday.

It will initially be issued from the Motijheel office of the central bank and later from other branches as well, reports BSS citing a press release.

The colour, size, watermark, design, and other security features of the new notes will be identical to those of the notes currently in circulation, it said.

Alongside the newly printed notes, the existing notes will continue to be valid notes at the same time, it added.

Source: The Financial Express