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<style>.tdb_mobile_search{margin-bottom:0;clear:none}.tdb_mobile_search a{display:inline-block!important;position:relative;text-align:center;color:var(--td_theme_color,#4db2ec)}.tdb_mobile_search a>span{display:flex;align-items:center;justify-content:center}.tdb_mobile_search svg{height:auto}.tdb_mobile_search svg,.tdb_mobile_search svg *{fill:var(--td_theme_color,#4db2ec)}#tdc-live-iframe .tdb_mobile_search a{pointer-events:none}.td-search-opened{overflow:hidden}.td-search-opened #td-outer-wrap{position:static}.td-search-opened .td-search-wrap-mob{position:fixed;height:calc(100% + 1px)}.td-search-opened .td-drop-down-search{height:calc(100% + 1px);overflow-y:scroll;overflow-x:hidden}.tdi_13{display:inline-block;float:right;clear:none}.tdi_13 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_13 .tdb-header-search-button-mob svg{width:22px}.tdi_13 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_13 .tdb-header-search-button-mob{color:#ffffff}.tdi_13 .tdb-header-search-button-mob svg,.tdi_13 .tdb-header-search-button-mob svg *{fill:#ffffff}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><span class="tdb-mobile-search-icon tdb-mobile-search-icon-svg" ><svg version="1.1" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1024 1024"><path d="M946.371 843.601l-125.379-125.44c43.643-65.925 65.495-142.1 65.475-218.040 0.051-101.069-38.676-202.588-115.835-279.706-77.117-77.148-178.606-115.948-279.644-115.886-101.079-0.061-202.557 38.738-279.665 115.876-77.169 77.128-115.937 178.627-115.907 279.716-0.031 101.069 38.728 202.588 115.907 279.665 77.117 77.117 178.616 115.825 279.665 115.804 75.94 0.020 152.136-21.862 218.061-65.495l125.348 125.46c30.915 30.904 81.029 30.904 111.954 0.020 30.915-30.935 30.915-81.029 0.020-111.974zM705.772 714.925c-59.443 59.341-136.899 88.842-214.784 88.924-77.896-0.082-155.341-29.583-214.784-88.924-59.443-59.484-88.975-136.919-89.037-214.804 0.061-77.885 29.604-155.372 89.037-214.825 59.464-59.443 136.878-88.945 214.784-89.016 77.865 0.082 155.3 29.583 214.784 89.016 59.361 59.464 88.914 136.919 88.945 214.825-0.041 77.885-29.583 155.361-88.945 214.804z"></path></svg></span></span></div></div> <!-- ./block --></div></div></div></div></div></div>                </div>
                
                <div class="td-header-desktop-wrap ">
                    <!-- LOGIN MODAL -->
<div id="error"><p class="wpdberror"><strong>WordPress database error:</strong> [Table &#039;./abichitra_db/wp_postmeta&#039; is marked as crashed and should be repaired]<br /><code>SELECT post_id, meta_key, meta_value FROM wp_postmeta WHERE post_id IN (6667) ORDER BY meta_id ASC</code></p></div>
                <div id="login-form" class="white-popup-block mfp-hide mfp-with-anim td-login-modal-wrap">
                    <div class="td-login-wrap">
                        <a href="#" aria-label="Back" class="td-back-button"><i class="td-icon-modal-back"></i></a>
                        <div id="td-login-div" class="td-login-form-div td-display-block">
                            <div class="td-login-panel-title">প্রবেশ করুন</div>
                            <div class="td-login-panel-descr">স্বাগত! আপনার একাউন্টে লগ ইন</div>
                            <div class="td_display_err"></div>
                            <form id="loginForm" action="#" method="post">
                                <div class="td-login-inputs"><input class="td-login-input" autocomplete="username" type="text" name="login_email" id="login_email" value="" required><label for="login_email">আপনার ব্যবহারকারী নাম</label></div>
                                <div class="td-login-inputs"><input class="td-login-input" autocomplete="current-password" type="password" name="login_pass" id="login_pass" value="" required><label for="login_pass">আপনার পাসওয়ার্ড</label></div>
                                <input type="button"  name="login_button" id="login_button" class="wpb_button btn td-login-button" value="লগ ইন করুন">
                                
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                            <div class="td-login-info-text"><a href="#" id="forgot-pass-link">আপনার পাসওয়ার্ড ভুলে গেছেন? সাহায্য লাগবে?</a></div>
                            
                            
                            
                            <div class="td-login-info-text"><a class="privacy-policy-link" href="https://archive.aparadhbichitra.com/privacy-policy/">Privacy Policy</a></div>
                        </div>

                        

                         <div id="td-forgot-pass-div" class="td-login-form-div td-display-none">
                            <div class="td-login-panel-title">পাসওয়ার্ড পুনরুদ্ধার</div>
                            <div class="td-login-panel-descr">আপনার পাসওয়ার্ড পুনরুদ্ধার করুন</div>
                            <div class="td_display_err"></div>
                            <form id="forgotpassForm" action="#" method="post">
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                                <input type="button" name="forgot_button" id="forgot_button" class="wpb_button btn td-login-button" value="আমার পাসওয়ার্ড পাঠান">
                            </form>
                            <div class="td-login-info-text">একটি পাসওয়ার্ড আপনাকে ইমেইল করা হবে.</div>
                        </div>
                        
                        
                    </div>
                </div>
                <div id="error"><p class="wpdberror"><strong>WordPress database error:</strong> [Table &#039;./abichitra_db/wp_postmeta&#039; is marked as crashed and should be repaired]<br /><code>SELECT post_id, meta_key, meta_value FROM wp_postmeta WHERE post_id IN (82218,82181,82168,82159,82148) ORDER BY meta_id ASC</code></p></div><div id="error"><p class="wpdberror"><strong>WordPress database error:</strong> [Table &#039;./abichitra_db/wp_postmeta&#039; is marked as crashed and should be repaired]<br /><code>SELECT post_id, meta_key, meta_value FROM wp_postmeta WHERE post_id IN (6566) ORDER BY meta_id ASC</code></p></div><div id="tdi_14" class="tdc-zone"><div class="tdc_zone tdi_15  wpb_row td-pb-row tdc-element-style"  >
<style scoped>.tdi_15{min-height:0}.tdi_15:before{content:'';display:block;width:100vw;height:100%;position:absolute;left:50%;transform:translateX(-50%);box-shadow:0px 6px 8px 0px rgba(0,0,0,0.08);z-index:20;pointer-events:none}.td-header-desktop-wrap{position:relative}@media (max-width:767px){.tdi_15:before{width:100%}}.tdi_15{position:relative}</style>
<div class="tdi_14_rand_style td-element-style" ><style>.tdi_14_rand_style{background-color:#ffffff!important}</style></div><div id="tdi_16" class="tdc-row stretch_row"><div class="vc_row tdi_17  wpb_row td-pb-row tdc-element-style" >
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<div class="tdi_16_rand_style td-element-style" ><style>.tdi_16_rand_style{background-color:#222222!important}</style></div><div class="vc_column tdi_19  wpb_column vc_column_container tdc-column td-pb-span12">
<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_weather tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>.tdi_20{margin-right:32px!important}@media (min-width:1019px) and (max-width:1140px){.tdi_20{margin-right:20px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_20{margin-right:20px!important}}</style>
<style>.tdb_header_weather{margin-bottom:0;clear:none}.tdb_header_weather .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_weather .td-icons{align-self:center;position:relative;background:none;margin-right:2px;font-size:18px}.tdb_header_weather .td-icons:before{display:block}.tdb_header_weather .tdb-weather-deg-wrap{user-select:none;margin-right:6px}.tdb_header_weather .tdb-weather-deg{font-size:11px;font-weight:600}.tdb_header_weather .tdb-weather-unit{position:relative;top:-6px;left:1px;font-size:8px;font-weight:300}.tdb_header_weather .tdb-weather-city{font-size:11px;font-weight:500}.tdi_20{display:inline-block}.tdi_20 .td-icons{top:0px;color:#ffffff}.tdi_20 .tdb-weather-deg-wrap{color:#ffffff}.tdi_20 .tdb-weather-city{color:#ffffff;line-height:28px!important}.tdi_20 .tdb-weather-deg{line-height:28px!important}</style><div class="tdb-block-inner td-fix-index"><!-- td weather source: cache -->        <i class="td-icons rain-n"></i>
        <div class="tdb-weather-deg-wrap" data-block-uid="tdb_header_weather_uid">
            <span class="tdb-weather-deg">25</span>
            <span class="tdb-weather-unit">C</span>
        </div>
        <div class="tdb-weather-city">Dhaka</div>
        </div></div> <!-- ./block --><div class="td_block_wrap tdb_header_date tdi_21 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_21" >
<style>.tdi_21{margin-right:32px!important}@media (min-width:1019px) and (max-width:1140px){.tdi_21{margin-right:20px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_21{margin-right:20px!important}}</style>
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_21{display:inline-block}.tdi_21 .tdb-head-date-txt{color:#ffffff;line-height:28px!important}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Tuesday, November 10, 2026</div></div></div> <!-- ./block -->

<script>

var tdb_login_sing_in_shortcode="on";

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<div class="td_block_wrap tdb_header_user tdi_22 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_22" >
<style>.tdi_22{margin-right:14px!important}</style>
<style>.tdb_header_user{margin-bottom:0;clear:none}.tdb_header_user .tdb-block-inner{display:flex;align-items:center}.tdb_header_user .tdb-head-usr-item{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdb_header_user .tdb-head-usr-item:hover{color:var(--td_theme_color,#4db2ec)}.tdb_header_user .tdb-head-usr-avatar{position:relative;width:20px;height:0;padding-bottom:20px;margin-right:6px;background-size:cover;background-position:center center}.tdb_header_user .tdb-head-usr-name{margin-right:16px;font-weight:700}.tdb_header_user .tdb-head-usr-log{display:flex;align-items:center}.tdb_header_user .tdb-head-usr-log i{font-size:10px}.tdb_header_user .tdb-head-usr-log-icon{position:relative}.tdb_header_user .tdb-head-usr-log-icon-svg{line-height:0}.tdb_header_user .tdb-head-usr-log-icon-svg svg{width:10px;height:auto}.tdi_22{display:inline-block}.tdi_22 .tdb-head-usr-avatar{width:19px;padding-bottom:19px}.tdi_22 .tdb-head-usr-log .tdb-head-usr-log-icon{margin-right:2px;top:0px}.tdi_22 .tdb-head-usr-name{color:#ffffff;line-height:28px!important}.tdi_22 .tdb-head-usr-log{color:#ffffff;line-height:28px!important}.tdi_22 .tdb-head-usr-log-icon-svg svg,.tdi_22 .tdb-head-usr-log-icon-svg svg *{fill:#ffffff;fill:#ffffff}.tdi_22 .tdb-head-usr-log i{color:#ffffff}</style><div class="tdb-block-inner td-fix-index"><a class="td-login-modal-js tdb-head-usr-item tdb-head-usr-log" href="#login-form" data-effect="mpf-td-login-effect"><span class="tdb-head-usr-log-txt">লগ ইন/যোগ দিন</span></a></div></div> <!-- ./block --><div class="tdm_block td_block_wrap tdm_block_socials tdi_23 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_23" >
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}.tdi_23{float:right;clear:none}</style>
<style>.tdi_24 .tdm-social-item i{font-size:12px;vertical-align:middle;line-height:22.8px}.tdi_24 .tdm-social-item i.td-icon-linkedin,.tdi_24 .tdm-social-item i.td-icon-pinterest,.tdi_24 .tdm-social-item i.td-icon-blogger,.tdi_24 .tdm-social-item i.td-icon-vimeo{font-size:9.6px}.tdi_24 .tdm-social-item{width:22.8px;height:22.8px;margin:2.5px 5px 2.5px 0}.tdi_24 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_24 .tdm-social-item i,.tds-team-member2 .tdi_24.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_24 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_24.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_24 .tdm-social-text{display:none;margin-left:2px;margin-right:18px}</style><div class="tdm-social-wrapper tds-social1 tdi_24"><div class="tdm-social-item-wrap"><a href="https://digg.com/u/aparadhbichitra"  title="Digg" class="tdm-social-item"><i class="td-icon-font td-icon-digg"></i><span style="display: none">Digg</span></a></div><div class="tdm-social-item-wrap"><a href="https://www.facebook.com/aparadhbichitraofficial/"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="https://twitter.com/AparadhB"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div></div></div></div></div><div id="tdi_25" class="tdc-row stretch_row"><div class="vc_row tdi_26  wpb_row td-pb-row tdc-element-style" >
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<div class="tdi_25_rand_style td-element-style" ><style>.tdi_25_rand_style{background-color:#222222!important}</style></div><div class="vc_column tdi_28  wpb_column vc_column_container tdc-column td-pb-span12">
<style scoped>.tdi_28{vertical-align:baseline}.tdi_28>.wpb_wrapper,.tdi_28>.wpb_wrapper>.tdc-elements{display:block}.tdi_28>.wpb_wrapper>.tdc-elements{width:100%}.tdi_28>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_28>.wpb_wrapper{width:auto;height:auto}</style><div class="wpb_wrapper" ></div></div></div></div><div id="tdi_29" class="tdc-row"><div class="vc_row tdi_30  wpb_row td-pb-row" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:block}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:table}</style><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column td-pb-span12">
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<style scoped>.tdi_36{vertical-align:baseline}.tdi_36 .vc_column-inner>.wpb_wrapper,.tdi_36 .vc_column-inner>.wpb_wrapper .tdc-elements{display:block}.tdi_36 .vc_column-inner>.wpb_wrapper .tdc-elements{width:100%}.tdi_36{width:30%!important}@media (min-width:1019px) and (max-width:1140px){.tdi_36{width:24%!important}}@media (min-width:768px) and (max-width:1018px){.tdi_36{width:calc(100% - 468px)!important}}</style><div class="vc_column-inner"><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_37 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_37" >
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<style scoped>.tdi_39{vertical-align:baseline}.tdi_39 .vc_column-inner>.wpb_wrapper,.tdi_39 .vc_column-inner>.wpb_wrapper .tdc-elements{display:block}.tdi_39 .vc_column-inner>.wpb_wrapper .tdc-elements{width:100%}.tdi_39{width:70%!important}@media (min-width:1019px) and (max-width:1140px){.tdi_39{width:76%!important}}@media (min-width:768px) and (max-width:1018px){.tdi_39{width:468px!important}}</style><div class="vc_column-inner"><div class="wpb_wrapper" ></div></div></div></div><div class="vc_row_inner tdi_41  vc_row vc_inner wpb_row td-pb-row" >
<style scoped>.tdi_41{position:relative!important;top:0;transform:none;-webkit-transform:none}.tdi_41,.tdi_41 .tdc-inner-columns{display:block}.tdi_41 .tdc-inner-columns{width:100%}</style><div class="vc_column_inner tdi_43  wpb_column vc_column_container tdc-inner-column td-pb-span12">
<style scoped>.tdi_43{vertical-align:baseline}.tdi_43 .vc_column-inner>.wpb_wrapper,.tdi_43 .vc_column-inner>.wpb_wrapper .tdc-elements{display:block}.tdi_43 .vc_column-inner>.wpb_wrapper .tdc-elements{width:100%}</style><div class="vc_column-inner"><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_menu tdi_44 tds_menu_active1 tds_menu_sub_active1 tdb-head-menu-inline tdb-mm-align-screen td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_44"  style=" z-index: 999;">
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<style>.tdi_44 .tdb-menu>li>a:after,.tdi_44 .tdb-menu-items-dropdown .td-subcat-more:after{background-color:;bottom:0px}</style><div id=tdi_44 class="td_block_inner td-fix-index"><div class="tdb-main-sub-icon-fake"><i class="tdb-sub-menu-icon td-icon-down tdb-main-sub-menu-icon"></i></div><div class="tdb-sub-icon-fake"><i class="tdb-sub-menu-icon td-icon-right-arrow"></i></div><ul id="menu-main-menu-2" class="tdb-block-menu tdb-menu tdb-menu-items-visible"><li class="menu-item menu-item-type- menu-item-object- tdb-cur-menu-item menu-item-first tdb-menu-item tdb-normal-menu menu-item-6559"><a><div class="tdb-menu-item-text">জাতীয়</div></a></li>
<li class="menu-item menu-item-type- menu-item-object- tdb-menu-item tdb-normal-menu menu-item-21"><a><div class="tdb-menu-item-text"></div></a></li>
<li class="menu-item menu-item-type- menu-item-object- tdb-menu-item tdb-normal-menu menu-item-1227"><a><div class="tdb-menu-item-text"></div></a></li>
<li class="menu-item menu-item-type- menu-item-object- tdb-menu-item tdb-normal-menu menu-item-6560"><a><div class="tdb-menu-item-text"></div></a></li>
<li class="menu-item menu-item-type- menu-item-object- tdb-menu-item tdb-normal-menu menu-item-6612"><a><div class="tdb-menu-item-text">মিডিয়া</div></a></li>
<li class="menu-item menu-item-type- menu-item-object- tdb-menu-item tdb-normal-menu menu-item-24"><a><div class="tdb-menu-item-text"></div></a></li>
<li class="menu-item menu-item-type- menu-item-object- tdb-menu-item tdb-normal-menu menu-item-56839"><a><div class="tdb-menu-item-text"></div></a></li>
<li class="menu-item menu-item-type- menu-item-object- tdb-menu-item tdb-normal-menu menu-item-6597"><a><div class="tdb-menu-item-text"></div></a></li>
<li class="menu-item menu-item-type- menu-item-object- tdb-menu-item tdb-normal-menu menu-item-843"><a><div class="tdb-menu-item-text"></div></a></li>
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            <div class="td-crumb-container"><div class="entry-crumbs"><span><a title="" class="entry-crumb" href="https://archive.aparadhbichitra.com/">হোম</a></span> <i class="td-icon-right td-bread-sep"></i> <span><a title="সব পোস্ট দেখুন অর্থনীতি" class="entry-crumb" href="https://archive.aparadhbichitra.com/category/%e0%a6%85%e0%a6%b0%e0%a7%8d%e0%a6%a5%e0%a6%a8%e0%a7%80%e0%a6%a4%e0%a6%bf/">অর্থনীতি</a></span> <i class="td-icon-right td-bread-sep td-bred-no-url-last"></i> <span class="td-bred-no-url-last">এক বছরের ব্যবধানে খেলাপি ঋণ বেড়েছে ১৫ হাজার ১৯২ কোটি টাকা</span></div></div>

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                <h1 class="entry-title">এক বছরের ব্যবধানে খেলাপি ঋণ বেড়েছে ১৫ হাজার ১৯২ কোটি টাকা</h1>
                

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                    <!-- author -->                    <!-- date --><span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2018-09-11T17:47:10+06:00" >September 11, 2018</time></span>                    <!-- comments --><div class="td-post-comments"><a href="https://archive.aparadhbichitra.com/%e0%a6%8f%e0%a6%95-%e0%a6%ac%e0%a6%9b%e0%a6%b0%e0%a7%87%e0%a6%b0-%e0%a6%ac%e0%a7%8d%e0%a6%af%e0%a6%ac%e0%a6%a7%e0%a6%be%e0%a6%a8%e0%a7%87-%e0%a6%96%e0%a7%87%e0%a6%b2%e0%a6%be%e0%a6%aa%e0%a6%bf/#respond"><i class="td-icon-comments"></i>0</a></div>                    <div id="error"><p class="wpdberror"><strong>WordPress database error:</strong> [Table &#039;./abichitra_db/wp_postmeta&#039; is marked as crashed and should be repaired]<br /><code>SELECT meta_id FROM wp_postmeta WHERE meta_key = &#039;post_views_count&#039; AND post_id = 26427</code></p></div><div id="error"><p class="wpdberror"><strong>WordPress database error:</strong> [Table &#039;./abichitra_db/wp_postmeta&#039; is marked as crashed and should be repaired]<br /><code>INSERT INTO `wp_postmeta` (`post_id`, `meta_key`, `meta_value`) VALUES (26427, &#039;post_views_count&#039;, &#039;0&#039;)</code></p></div><!-- views --><div class="td-post-views"><i class="td-icon-views"></i><span class="td-nr-views-26427">0</span></div>                </div>

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            <!-- content --><p>চলতি বছরের জুন শেষে ব্যাংক খাতে খেলাপি ঋণের পরিমাণ দাঁড়িয়েছে ৮৯ হাজার ৩৪০ কোটি টাকা, যা মোট ঋণের ১০.৪১ শতাংশ। জুন শেষে ৫৭টি ব্যাংকের বিতরণ করা ঋণের স্থিতি ছিল আট লাখ ৫৮ হাজার ৫২১ কোটি টাকা। রাইটঅফ বা অবলোপন করা ঋণের পরিমাণ যোগ করা হলে খেলাপি ঋণ দাঁড়াবে এক লাখ ৩৮ হাজার কোটি টাকা।</p>
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<p>বাংলাদেশ ব্যাংকের হালনাগাদ তথ্য থেকে দেখা যায়, এক বছরের ব্যবধানে খেলাপি ঋণ বেড়েছে ১৫ হাজার ১৯২ কোটি টাকা। গত বছরের জুনে খেলাপি ঋণের পরিমাণ ছিল ৭৪ হাজার ১৪৮ কোটি টাকা, যা মোট ঋণের ১০.১৩ শতাংশ। ওই সময় বিতরণ করা ঋণের স্থিতি ছিল সাত লাখ ৩১ হাজার ৬২৫ কোটি টাকা। অর্থাৎ বছর ব্যবধানে খেলাপি ঋণ বেড়েছে ১৫ হাজার কোটি টাকা। এ ছাড়া গত মার্চের তুলনায় খেলাপি ঋণ বেড়েছে ৭৫১ কোটি টাকা। গত মার্চ মাস শেষে ব্যাংক খাতে খেলাপি ঋণ ছিল ৮৮ হাজার ৫৮৯ কোটি টাকা। বাংলাদেশ ব্যাংকের তথ্যে দেখা যায়, জুনে রাষ্ট্রীয় মালিকানাধীন ছয়টি বাণিজ্যিক ব্যাংকের খেলাপি ঋণ আগের প্রান্তিকের তুলনায় কিছুটা কমেছে। জুন শেষে রাষ্ট্রীয় মালিকানাধীন বাণিজ্যিক (সোনালী, জনতা, অগ্রণী, রূপালী, বেসিক ও বিডিবিএল) ব্যাংকগুলোর খেলাপি ঋণ দাঁড়িয়েছে ৪২ হাজার ৮৫২ কোটি টাকা, যা মোট ঋণের ২৮.২৪ শতাংশ। এ সময় ব্যাংকগুলোর মোট বিতরণ করা ঋণ ছিল এক লাখ ৫১ হাজার ৭৫৯ কোটি টাকা। মার্চ শেষে রাষ্ট্রীয় মালিকানাধীন বাণিজ্যিক ব্যাংকগুলোর মোট খেলাপি ঋণ ছিল ৪৩ হাজার ৬৮৫ কোটি টাকা। সেই হিসাবে তিন মাসের ব্যবধানে রাষ্ট্রীয় মালিকানাধীন বাণিজ্যিক ব্যাংকগুলোর খেলাপি ঋণ ৮৩৩ কোটি টাকা কমেছে। জুন শেষে বিশেষায়িত দুই ব্যাংকের খেলাপি ঋণের পরিমাণ দাঁড়িয়েছে পাঁচ হাজার ২৪১ কোটি টাকা, যা মোট ঋণের ২১.৬৮ শতাংশ। মার্চ শেষে বিশেষায়িত বাংলাদেশ কৃষি ও রাজশাহী কৃষি উন্নয়ন ব্যাংকের (রাকাব) খেলাপি ঋণ ছিল পাঁচ হাজার ৪২৬ কোটি টাকা। তিন মাসে বিশেষায়িত ব্যাংকগুলোর খেলাপি ঋণ কমেছে ১৮৫ কোটি টাকা। রাষ্ট্রীয় মালিকানাধীন ব্যাংকগুলোর খেলাপি ঋণ কমলেও বেড়েছে বেসরকারি ব্যাংকগুলোর। জুন শেষে ৪০টি বেসরকারি ব্যাংকের বিতরণ করা ছয় লাখ ৪৮ হাজার ৫০১ কোটি টাকার মধ্যে ৩৮ হাজার ৯৭৫ কোটি টাকাই খেলাপিতে পরিণত হয়, যা মোট ঋণের ৬.০১ শতাংশ। গত মার্চে বেসরকারি খাতে খেলাপি ঋণ ছিল ৩৭ হাজার ২৮৯ কোটি টাকা। সেই হিসাবে তিন মাসে বেসরকারি ব্যাংকগুলোর খেলাপি ঋণ বেড়েছে এক হাজার ৬৮৬ কোটি টাকা। দেশে পরিচালিত ৯টি বিদেশি মালিকানার ব্যাংকের খেলাপি ঋণের হার ৬.৬৬ শতাংশ। জুন শেষে তাদের বিতরণ করা ৩৪ হাজার ৮৪ কোটি টাকা ঋণের মধ্যে খেলাপি ঋণ ছিল দুই হাজার ২৭১ কোটি টাকা। মার্চ শেষে এসব ব্যাংকের খেলাপি ঋণের পরিমাণ দুই হাজার ১৮৮ কোটি টাকা। তিন মাসে এ খাতের ব্যাংকগুলোর খেলাপি ঋণ বেড়েছে ৮৩ কোটি টাকা। খেলাপি ঋণ তিনটি শ্রেণিতে বিভাজন করা হয়। একটি নিম্নমান, সন্দেহজনক এবং মন্দ বা ক্ষতিজনক মান। মন্দ বা ক্ষতিজনক মানের ঋণ আদায় হবে না বলে ধারণা করা হয়। বাংলাদেশ ব্যাংকের হিসাব মতে, মোট খেলাপি ঋণের ৭৩ হাজার কোটি টাকাই মন্দ ঋণ।</p>

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এস এম মোরশেদ কর্তৃক সম্পাদিত ও প্রকাশিত।
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ফোনঃ +৮৮-০২-৯৫৭০৯৩৩
মোবাইলঃ ০১৯১১-৩৮৫৯৭০,০১৯১৭-৭১৬৩১২
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