Bangladesh’s non-bank financial companies (NBFCs) posted a modest increase in deposits during the October–December 2025 quarter, even as lending for economic purposes declined, reflecting a mixed performance across the sector.
Data from the Bangladesh Bank indicates that total deposits rose by 0.8 per cent year-on-year, reaching Tk 511.27 billion, up from Tk 507.23 billion in the previous quarter (July–September 2025). Despite this increase in deposits, loan disbursements for productive investment purposes fell 4.58 per cent compared with October–December 2024, suggesting a cautious lending approach among NBFCs.
Loans and Advances: Public vs Private
The total volume of loans and advances, including accrued interest, climbed slightly by 1.41 per cent quarter-on-quarter to Tk 788.28 billion. However, economic-purpose loans, which are crucial for supporting business activities, stood at Tk 60.61 billion, down from Tk 63.51 billion a year earlier.
The performance across public and private NBFCs shows notable variation. Loans and advances by public NBFCs increased by 4.22 per cent to Tk 155.68 billion, while private NBFCs recorded a smaller growth of 0.74 per cent, reaching Tk 632.60 billion.
| Category | Jul–Sep 2025 | Oct–Dec 2025 | Oct–Dec 2024 | YoY Change | QoQ Change |
|---|---|---|---|---|---|
| Total Deposits (Tk bn) | 507.23 | 511.27 | – | +0.8% | – |
| Total Loans & Advances (Tk bn) | 777.34 | 788.28 | 760.77 | +3.55% | +1.41% |
| Economic-purpose Loans (Tk bn) | 48.57 | 60.61 | 63.51 | -4.58% | +24.77% |
| Fixed Deposits (Tk bn) | 487.41 | 490.95 | – | – | +0.72% |
Deposit Structure and Regional Imbalance
Fixed deposits continued to dominate the sector, accounting for 96.02 per cent of total deposits, though slightly down from 96.10 per cent previously. Private NBFCs remain the primary engine for deposit mobilisation, contributing 91.55 per cent of the total, with deposits rising 0.79 per cent to Tk 468.05 billion. Public sector deposits grew 0.84 per cent to Tk 43.22 billion, while government deposits within the public sector increased 1.28 per cent to Tk 483 million.
Geographical concentration remains highly skewed. Dhaka division accounted for a dominant 92.39 per cent of total deposits, which rose by 1.00 per cent to Tk 472.36 billion. In contrast, Barishal division recorded the lowest share at just 0.16 per cent, highlighting the sector’s struggle to extend financial services beyond major urban centres.
In summary, NBFCs have strengthened their deposit base, but a decline in year-on-year lending for economic purposes indicates cautious credit strategies, shaped by regional disparities and the sector’s reliance on fixed deposits.