Bangladesh Bank has rejected the capital recovery plans of four state-owned banks — Agrani, Janata, BASIC, and Rupali. According to the central bank, the combined deficit of these banks was approximately Tk31,000 crore as of December 2024. The banks were asked to submit a five-year realistic plan to eliminate the shortfall by 2029.

Sonali Bank and BDBL faced a provisioning shortfall of Tk4,763 crore but reported a capital surplus due to provision forbearance.

Agrani Bank proposed to reduce its capital deficit by Tk6,245 crore over five years despite a net loss of Tk937 crore in 2024. Officials note that profit growth, government recapitalisation, or reduction of non-performing loans is currently unlikely, making the plan unrealistic.

Bangladesh Bank returned Agrani’s plan. BASIC Bank intends to cut its deficit of Tk8,621 crore to Tk3,257 crore by 2029. Janata Bank projects a deficit of Tk20,600 crore by 2029. Rupali Bank submitted a relatively realistic plan.

Sonali Bank reported a Tk64 crore surplus at the end of 2024, aiming for Tk5,842 crore by 2029, while BDBL also plans to increase its surplus.

Economists argue that profit growth alone is insufficient; banks need full balance-sheet restructuring, risk management, NPL recovery, government recapitalisation, specialised recovery teams, and fast legal action.

According to Bangladesh Bank, 24 banks have yet to meet the minimum capital requirement. By June 2025, the banking sector’s total capital shortfall exceeded Tk155,000 crore.