শেখ হাসিনার ব্যাংক ডাকাত সরকারের কান্ড : ২২ হাজার ২২১ কোটি টাকার হদিস নেই

শেখ হাসিনার ডাকাত পরিবারের হাতে দেশের ব্যাংকগুলো নিরাপদ নয়। শেখ হাসিনার ডাকাত পরিবারের সদস্যদের খুশি করতে পারলে শত শত কোটি টাকা লোপাট লুটপাটে বাধা নেই। ব্যাংক ডাকাতদের কবলে পরে বিভিন্ন ব্যাংকের ২২ হাজার ২২১ কোটি টাকার কোনো হদিস নেই। বছরের পর বছর ধরে নানা কৌশলে সাধারণ মানুষের মোটা অঙ্কের এ অর্থ নির্বিঘ্নে পকেটস্থ করেছে শীর্ষ ২০ খেলাপি। এ অর্থের পুরোটাই এখন অবলোপন। বিধান অনুযায়ী অবলোপন করার পর থেকেই এ টাকা আদায়ের কথা ছিল। কিন্তু গত এক বছরে অবলোপনকৃত অর্থের এক টাকাও আদায় করতে পারেনি এবি, আইসিবি ইসলামিক, স্ট্যান্ডার্ড এবং এনসিসি ব্যাংক। এছাড়া প্রায় একই চিত্র বিরাজ করছে অন্য ব্যাংকগুলোতেও।
বিদ্যমান পরিস্থিতিতে অবলোপনের টাকা আদায়ে সংশ্লিষ্ট ব্যাংকগুলোকে সতর্ক করে চিঠি দিয়েছে বাংলাদেশ ব্যাংক। গত ১৫ মার্চ বিভিন্ন ব্যাংকে পাঠানো ওই চিঠিতে বলা হয়, ‘শীর্ষ ২০ অবলোপনকৃত ঋণ থেকে আদায় সন্তোষজনক নয়। যেসব পদক্ষেপ নেয়া হয়েছে তাও ফলপ্রসূ নয়। বিশেষ করে উল্লিখিত চার ব্যাংকের আদায় শূন্য। এ বিষয়ে আদায় নিশ্চিতে কার্যকর ব্যবস্থা গ্রহণে আপনাদের সতর্ক করা যাচ্ছে।’
উল্লেখ্য, খেলাপি অবস্থায় পাঁচ বছর পর্যন্ত কোনো ঋণ আদায় করতে না পারলে তা ব্যাংকের মূল হিসাব থেকে বাদ দিয়ে ভিন্ন খাতায় হিসাব রাখা হয়। তখন এই ঋণকে অবলোপন বলা হয়। তবে অবলোপন করার আগে অর্থঋণ আদালতে একটি মামলা করতে হয়। পাশাপাশি ওই খেলাপি ঋণের বিপরীতে শতভাগ নিরাপত্তা সঞ্চিতি বা প্রভিশন রাখতে হয়।
এবি ব্যাংকের কোম্পানি সচিব মহাদেব সরকার বলেন, ‘দীর্ঘদিন খেলাপি থাকার পর ইলিয়ার্স ব্রাদার্স, মোস্তাফা গ্র“পসহ বিভিন্ন ব্যক্তি ও প্রতিষ্ঠানের ঋণ অবলোপন করা হয়েছে। কিন্তু এরা টাকা দিচ্ছে না। ছলে-বলে-কৌশলে পার পেয়ে যাচ্ছেন। আমরা চেষ্টা করে যাচ্ছি কিন্তু কুলিয়ে উঠতে পারছি না।’
বাংলাদেশ ব্যাংকের এক প্রতিবেদন অনুযায়ী, বিভিন্ন ব্যাংকের শীর্ষ ২০ খেলাপির কাছে গত সেপ্টেম্বর পর্যন্ত হিসাবে আটকা পড়েছে ৩২ হাজার ৪৩৫ কোটি টাকা। এ অর্থের ২২ হাজার ২২১ কোটি টাকাই অবলোপন করা হয়েছে।
এদিকে বাংলাদেশ ব্যাংকের সিআইবির (ক্রেডিট ইনফরমেশন ব্যুরো) সর্বশেষ প্রতিবেদন (গত বছরের সেপ্টেম্বর পর্যন্ত) অনুযায়ী, একক প্রতিষ্ঠান হিসেবে সবচেয়ে বেশি খেলাপি ঋণ রয়েছে চট্টগ্রামভিত্তিক কোম্পানি ইলিয়াস ব্রাদার্সের। ১৩টি ব্যাংকে প্রায় ৮৯০ কোটি টাকা ঋণ খেলাপি এই প্রতিষ্ঠান, যা অন্তত দুটি বেসরকারি ব্যাংকের পরিশোধিত মূলধনের সমান। এ ঋণের বিপরীতে কোনো ধরনের যথাযথভাবে জামানতও রাখা হয়নি। যার কারণে খেলাপিদের কাছ থেকে অর্থ আদায় সম্ভব নয়। অর্থাৎ সম্পূর্ণ জালিয়াতির মাধ্যমেই এ ধরনের ঋণ নেয়া হয়েছে বলে সংশ্লিষ্টদের অভিযোগ।
চট্টগ্রাম বিশ্ববিদ্যালয়ের অর্থনীতি বিভাগের অধ্যাপক ড. মইনুল ইসলাম বলেন, বাংলাদেশ ব্যাংকের উদ্বেগ প্রকাশ করে চিঠি দিয়ে কোনো কাজ হবে না। ঋণের টাকা উদ্ধারে এখন প্রয়োজন আলাদা ট্রাইব্যুনাল গঠন করা। শীর্ষ ১০ খেলাপিকে ট্রাইব্যুনালের মাধ্যমে বিচার করতে হবে। প্রয়োজনে জেলে পাঠাতে হবে। তা না হলে খেলাপিদের ধরা সম্ভব নয়।
তিনি আরও বলেন, এদের বেশির ভাগই ইচ্ছাকৃত ঋণখেলাপি। এরা অত্যন্ত শক্তিশালী। তারা জানে ঋণ নিলে ফেরত দিতে হবে না। তারা কালো টাকা এবং শক্তি দিয়ে বছরের পর বছর আইনি প্রক্রিয়া এড়াতে সক্ষম। অর্থঋণ আদালতের মাধ্যমে খেলাপিদের ধরা সম্ভব নয়, এটা এক ধরনের প্রতারণা।
বাংলাদেশ ব্যাংকের সাবেক ডেপুটি গভর্নর খোন্দকার ইব্রাহিম খালেদ বলেন, ঋণদাতা ও গ্রহীতার বিরুদ্ধে আইনানুগ ব্যবস্থা নেয়া উচিত। অবসরে যাওয়া এমডিদের কার আমলে কত ঋণ, কিভাবে গেছে, কার কাছে গেছে- তা খতিয়ে বের করে প্রয়োজনীয় ব্যবস্থা নিতে হবে। কারণ ওইসব এমডিও ঋণের নামে অর্থ লুণ্ঠন করেছেন। এজন্য বর্তমান এমডিরা দায়ী নন।
বাংলাদেশ ব্যাংকের উপদেষ্টা ও সাবেক ডেপুটি গভর্নর এসকে সুর চৌধুরী বলেন, ঋণের টাকা আদায়ে মনিটরিং বাড়াতে হবে। সে লক্ষ্যে হয়তো বা সতর্ক করা হয়েছে। এটা বাংলাদেশ ব্যাংক সব সময় করে থাকে। এর থেকে বেশি কিছু করার নেই।

37 Comments

  1. তোকে সাবধান করছি, সময় থাকতে ভালো হয়ে জা, নাহলে তোর কপালে খারাপি আছে

  2. শাউয়ার পোলা তোরে পুড়িয়ে মারবো। এখনি এই লেখা মুছ!

  3. I really wanted to type a simple note so as to thank you for these nice secrets you are showing on this site. My incredibly long internet investigation has finally been compensated with reputable points to talk about with my best friends. I ‘d express that many of us website visitors are unquestionably lucky to live in a really good site with so many perfect people with valuable strategies. I feel rather lucky to have encountered your entire website and look forward to really more amazing times reading here. Thanks once again for all the details.

  4. Thank you so much for providing individuals with an extremely remarkable possiblity to read critical reviews from this site. It is usually very cool and full of a great time for me and my office colleagues to visit your site really 3 times in a week to find out the fresh secrets you will have. And of course, I’m also actually astounded for the unique thoughts you give. Selected 3 areas in this post are ultimately the most suitable we’ve had.

  5. I want to get across my passion for your generosity in support of men and women that must have help on this one subject. Your very own dedication to passing the solution along became exceedingly productive and has continuously encouraged guys and women just like me to arrive at their pursuits. This warm and friendly useful information can mean a whole lot a person like me and further more to my mates. With thanks; from all of us.

  6. My spouse and i ended up being contented when Edward managed to round up his studies through the entire precious recommendations he gained in your web page. It is now and again perplexing to just always be offering ideas other folks have been trying to sell. So we acknowledge we’ve got the writer to thank for that. The main illustrations you’ve made, the straightforward blog menu, the friendships you can help promote – it’s got most astonishing, and it’s assisting our son and us reckon that the topic is pleasurable, which is rather indispensable. Thank you for all the pieces!

  7. My spouse and i were now satisfied Michael managed to conclude his reports via the precious recommendations he got from your web site. It is now and again perplexing to simply continually be giving away instructions which others could have been selling. And we also remember we’ve got the website owner to be grateful to for that. The specific explanations you made, the easy blog menu, the friendships you help instill – it is mostly superb, and it’s really aiding our son and us understand the situation is thrilling, which is certainly extremely serious. Many thanks for the whole thing!

  8. I simply needed to thank you very much all over again. I’m not certain the things that I could possibly have tried in the absence of those strategies provided by you about that subject matter. It has been a very challenging circumstance in my view, however , looking at this expert style you dealt with the issue made me to weep over joy. I will be grateful for your work and then wish you realize what a great job you’re carrying out educating other individuals with the aid of your site. I know that you haven’t met any of us.

  9. My wife and i have been now fulfilled when Chris could finish up his investigations through your ideas he got from your own web site. It’s not at all simplistic to just possibly be freely giving information that others may have been selling. And we also consider we have you to appreciate because of that. These explanations you made, the easy website menu, the friendships you will give support to promote – it’s got mostly wonderful, and it’s really leading our son and our family reason why that topic is brilliant, and that is really indispensable. Many thanks for the whole lot!

  10. I must show my appreciation to this writer just for bailing me out of such a instance. After searching through the internet and getting thoughts which were not powerful, I thought my entire life was done. Being alive without the solutions to the issues you have resolved all through this review is a crucial case, and the kind which might have adversely damaged my career if I hadn’t encountered your web blog. Your good capability and kindness in handling almost everything was useful. I’m not sure what I would have done if I had not encountered such a thing like this. It’s possible to at this moment look ahead to my future. Thanks very much for this skilled and result oriented guide. I will not hesitate to suggest your web blog to any person who should have support on this situation.

  11. A lot of thanks for all of the labor on this web page. My mum take interest in working on investigations and it is simple to grasp why. Many of us hear all about the powerful medium you deliver invaluable guidelines by means of this website and invigorate response from other individuals on this point so our daughter is actually studying so much. Have fun with the remaining portion of the new year. You are performing a dazzling job.

  12. I want to convey my love for your generosity for individuals that need guidance on this issue. Your real commitment to getting the solution up and down ended up being incredibly interesting and has in most cases enabled guys like me to arrive at their ambitions. Your new useful recommendations denotes this much to me and even more to my peers. With thanks; from all of us.

  13. I have to express my respect for your kind-heartedness supporting people that really want guidance on this important situation. Your personal commitment to getting the solution along ended up being extremely effective and has all the time allowed folks much like me to attain their pursuits. Your own interesting suggestions means a lot a person like me and additionally to my office workers. Thanks a lot; from each one of us.

  14. I would like to show some thanks to you just for bailing me out of such a difficulty. Because of researching through the world-wide-web and getting recommendations which are not helpful, I figured my entire life was well over. Being alive devoid of the solutions to the issues you have sorted out as a result of the guideline is a crucial case, and the kind which could have adversely damaged my entire career if I hadn’t noticed the website. Your natural talent and kindness in maneuvering every part was vital. I’m not sure what I would have done if I had not discovered such a subject like this. I’m able to now look ahead to my future. Thanks for your time so much for your professional and result oriented help. I will not think twice to suggest your web sites to any person who ought to have tips on this problem.

  15. I really wanted to compose a small comment to express gratitude to you for the precious pointers you are giving out here. My time consuming internet investigation has now been honored with incredibly good ideas to write about with my friends and family. I ‘d tell you that most of us readers actually are definitely blessed to dwell in a fine place with so many lovely professionals with very helpful tricks. I feel very happy to have discovered your entire web site and look forward to really more enjoyable moments reading here. Thanks a lot once more for a lot of things.

  16. Thank you for your own hard work on this web site. Ellie takes pleasure in managing investigation and it’s really easy to see why. A number of us know all about the dynamic means you produce vital thoughts by means of this blog and as well as strongly encourage response from website visitors on the article and my daughter is in fact being taught a whole lot. Have fun with the remaining portion of the new year. You’re the one performing a wonderful job.

  17. I really wanted to post a small word to be able to say thanks to you for some of the splendid recommendations you are showing on this site. My time consuming internet look up has now been honored with reasonable facts and techniques to talk about with my pals. I ‘d mention that we website visitors are truly endowed to live in a very good place with very many brilliant people with helpful methods. I feel very much lucky to have discovered your entire website and look forward to plenty of more thrilling moments reading here. Thanks again for all the details.

  18. I intended to write you one very little observation just to give thanks as before for your personal exceptional tips you have contributed in this case. It has been really surprisingly open-handed of people like you to convey extensively exactly what many people could have marketed as an e book to help make some dough for their own end, principally given that you might have done it in the event you desired. These solutions in addition acted to be the great way to realize that other people online have the same dreams much like my personal own to know the truth significantly more on the subject of this problem. I believe there are a lot more pleasurable situations ahead for folks who looked at your blog.

  19. I precisely desired to appreciate you once more. I do not know what I would have worked on without the creative ideas shared by you directly on this area of interest. This was a very fearsome matter in my opinion, however , seeing a specialized tactic you dealt with that forced me to weep for delight. Now i am grateful for this assistance and then wish you recognize what an amazing job that you are undertaking instructing some other people by way of a web site. I know that you’ve never got to know all of us.

  20. Thanks so much for giving everyone an extraordinarily pleasant possiblity to read from here. It really is so sweet and full of amusement for me personally and my office peers to search your web site really thrice per week to read the latest items you will have. And of course, I’m so certainly fascinated considering the sensational concepts you give. Some 3 tips on this page are really the most impressive we have had.

  21. I’m also writing to let you know what a remarkable encounter my daughter found reading your blog. She noticed a wide variety of details, including what it’s like to possess an incredible coaching mindset to get folks smoothly fully grasp some very confusing matters. You undoubtedly did more than our expected results. Many thanks for showing such invaluable, healthy, edifying as well as fun guidance on your topic to Kate.

  22. I simply wished to thank you so much yet again. I do not know the things I would’ve achieved in the absence of the actual thoughts revealed by you on such area of interest. This has been an absolute distressing case for me personally, but observing a skilled way you dealt with that forced me to cry with delight. Now i’m happy for your information and even believe you realize what an amazing job that you’re getting into educating many people with the aid of your website. More than likely you have never encountered any of us.

  23. I precisely wished to appreciate you once more. I am not sure what I would’ve done without the entire hints discussed by you concerning such theme. It absolutely was a very troublesome situation for me personally, however , being able to view a new expert strategy you treated the issue took me to leap with gladness. I’m just happy for your advice and then pray you really know what a great job you’re providing instructing others thru a blog. I am sure you haven’t met all of us.

  24. I would like to show my gratitude for your kindness supporting individuals who require guidance on this niche. Your special commitment to getting the message all-around became exceptionally effective and has continuously helped professionals just like me to get to their objectives. Your new warm and friendly useful information entails a lot a person like me and additionally to my fellow workers. Regards; from all of us.

  25. I just wanted to make a brief message to appreciate you for all of the lovely concepts you are placing on this site. My incredibly long internet look up has at the end been rewarded with excellent insight to talk about with my classmates and friends. I ‘d state that that we site visitors are unequivocally endowed to be in a perfect website with many brilliant individuals with interesting tips. I feel pretty fortunate to have used the website page and look forward to plenty of more pleasurable minutes reading here. Thanks a lot once again for everything.

  26. I must express my affection for your generosity for people that require help on this particular subject matter. Your very own commitment to getting the message all-around came to be astonishingly functional and has continuously enabled many people much like me to arrive at their objectives. Your own warm and helpful publication can mean a lot a person like me and still more to my mates. Thank you; from everyone of us.

  27. I simply had to say thanks again. I’m not certain the things I would have achieved in the absence of these opinions documented by you concerning this theme. It seemed to be an absolute hard condition in my circumstances, but noticing this specialised avenue you dealt with the issue forced me to weep for joy. I’m happier for the service and hope you recognize what an amazing job that you are accomplishing instructing the others thru a web site. More than likely you haven’t met any of us.

  28. I precisely wished to thank you so much yet again. I’m not certain the things that I would have tried without the entire aspects revealed by you relating to this subject. It had become a real frightful difficulty in my position, however , considering your skilled way you resolved that made me to cry for fulfillment. I am just happy for the support as well as hope you know what an amazing job you happen to be providing training other individuals thru a web site. I am sure you’ve never got to know any of us.

  29. I precisely wanted to thank you very much yet again. I am not sure the things I might have worked on without the pointers provided by you concerning such area of interest. Certainly was the hard condition in my opinion, nevertheless noticing the expert technique you managed that forced me to cry over contentment. I’m just thankful for the support and even hope that you are aware of a great job that you’re undertaking instructing many others all through your website. I’m certain you’ve never got to know any of us.

  30. I would like to voice my passion for your kindness in support of individuals who actually need assistance with in this study. Your real commitment to passing the message along became really significant and has really allowed those much like me to achieve their goals. Your informative tutorial entails so much a person like me and even further to my office colleagues. Thanks a ton; from all of us.

  31. Thank you a lot for providing individuals with an extraordinarily breathtaking opportunity to read in detail from this site. It really is very amazing and also full of amusement for me personally and my office fellow workers to visit the blog particularly thrice in one week to study the fresh issues you will have. And lastly, I’m so at all times fulfilled concerning the tremendous techniques you give. Selected 2 ideas in this posting are particularly the best I have had.

  32. I would like to express appreciation to the writer for rescuing me from this particular challenge. As a result of checking throughout the search engines and meeting principles which are not helpful, I figured my life was over. Being alive minus the solutions to the problems you have sorted out all through the article is a critical case, as well as the kind which may have in a negative way damaged my entire career if I had not discovered the blog. Your own understanding and kindness in dealing with all the stuff was crucial. I’m not sure what I would’ve done if I had not encountered such a stuff like this. I can now look forward to my future. Thanks very much for your expert and result oriented guide. I won’t be reluctant to recommend the website to any person who will need counselling on this topic.

  33. I intended to send you the little observation just to give thanks as before on your marvelous tactics you have provided at this time. This has been wonderfully open-handed with you to supply publicly what exactly a number of us would’ve marketed for an e-book to make some bucks for their own end, particularly seeing that you could possibly have tried it if you ever wanted. The smart ideas in addition worked as a fantastic way to be aware that other people online have similar zeal like my own to realize lots more in regard to this problem. Certainly there are lots of more fun moments up front for many who scan your site.

  34. My wife and i got absolutely glad that Ervin managed to deal with his basic research out of the ideas he gained through the weblog. It’s not at all simplistic to just always be giving out points that most people have been making money from. And we consider we’ve got the website owner to appreciate for that. The main explanations you’ve made, the simple web site menu, the relationships your site make it easier to promote – it’s all sensational, and it’s helping our son and the family know that that matter is cool, and that is rather fundamental. Thanks for everything!

  35. My husband and i were absolutely joyful when Raymond managed to deal with his basic research from the precious recommendations he came across through the blog. It is now and again perplexing to simply possibly be giving out information and facts which usually many people have been trying to sell. Therefore we figure out we have got you to give thanks to for that. The specific explanations you have made, the straightforward website menu, the friendships you will aid to create – it’s everything overwhelming, and it’s really assisting our son in addition to the family know that this situation is awesome, which is incredibly mandatory. Thank you for everything!

Leave a Reply

Your email address will not be published.