Bank Deposits Increased by Tk 40,000 Crore in 3 Months

Huge Growth in Bank Deposits

In the first three months of 2025, deposits in the country’s banking sector increased by around Tk 40,000 crore. By the end of March 2025, the total amount of deposits in banks reached Tk 19,23,506 crore.

Earlier, in the last six months of 2024 (July to December), bank deposits had increased by Tk 35,500 crore. At the end of December 2024, the total deposits stood at Tk 18,83,711 crore.

So, in just 3 months, bank deposits, including interest, rose by Tk 39,795 crore, which is more than 2% growth.

Data from Bangladesh Bank

This information came from the latest data report published by Bangladesh Bank, which reviewed the loan and deposit situation of the country’s banks.

According to the report, at the end of January–March 2024, the total deposits were Tk 17,62,303 crore. That means, over one year, the deposits in banks increased by Tk 1,61,202 crore.

More Growth in Rural Deposits

The data also shows that the deposit growth during January–March 2025 was higher in rural areas than in cities. Compared to the October–December period of 2024, rural deposits increased by over 3%, while urban areas saw a deposit growth of 1.94%.

However, the total deposit amount in urban areas is still much higher than in rural areas.

Breakdown of Deposits by Area

By the end of March 2025:

Urban deposits: Tk 16,22,157 crore
Rural deposits: Tk 3,01,347 crore

That means 84% of all bank deposits are in urban areas, while only 16% are in rural areas.

Interest Rates Also Increased

Along with deposit growth, the interest rate on deposits also went up.

In October–December 2024, the average deposit interest rate was 6.04%
By March 2025, it increased to around 6.25%

Experts believe this rise in interest rates helped bring in more deposits during the 3-month period.

Loans Also Increased by Tk 30,000 Crore

While deposits grew by nearly Tk 40,000 crore, bank loans also increased by around Tk 30,000 crore during the same time.

At the end of March 2025, total loans reached Tk 17,12,618 crore
In December 2024, the loan amount was Tk 16,82,878 crore
So, within 3 months, bank loans increased by Tk 29,740 crore, which is a growth of 1.77%

Most Loans in Urban Areas

Out of the total loan amount:

Tk 15,75,898 crore (or 92%) went to urban areas
Only Tk 1,36,721 crore (or 8%) went to rural areas

Special Accounts for Low-Income People

To help people with low income, the government allowed opening special bank accounts with Tk 10, 50, or 100. These are called No-Frills Accounts (NFA). These accounts do not require a minimum balance and do not charge service fees.

At the end of December 2024, the total deposits in such accounts were Tk 4,685 crore, which increased from Tk 4,465 crore in December 2023. This is a Tk 220 crore increase in one year, or about 4.69% growth.