Non-bank financial companies (NBFCs) in Bangladesh experienced a modest rise in deposits during the October–December 2025 quarter, yet lending activity declined compared with the previous year, reflecting a mixed performance across the sector.
According to data from the Bangladesh Bank, total deposits in NBFCs increased by 0.8 per cent year-on-year, reaching Tk 511.27 billion, up from Tk 507.23 billion in the preceding quarter (July–September 2025). In contrast, loan disbursements for economic purposes fell by 4.58 per cent compared with the same period in 2024, indicating a slowdown in credit growth despite the accumulation of deposits.
Sectoral Lending Trends
The total loans and advances, including accrued interest, stood at Tk 788.28 billion in October–December 2025, marking a slight increase of 1.41 per cent over the previous quarter. However, economic-purpose loans—the segment most directly tied to productive investment—declined year-on-year to Tk 60.61 billion. Comparisons with prior quarters show a mixed picture:
| Indicator | Jul–Sep 2025 | Oct–Dec 2025 | Oct–Dec 2024 | Change YoY | Change QoQ |
|---|---|---|---|---|---|
| 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% |
A closer examination reveals a clear divergence between public and private NBFCs. Public institutions saw loans and advances rise by 4.22 per cent to Tk 155.68 billion, while private NBFCs’ lending increased more cautiously by 0.74 per cent to Tk 632.60 billion.
Deposit Composition and Regional Concentration
Fixed deposits remain the backbone of the sector, accounting for over 96 per cent of total deposits, despite a slight decline from 96.10 per cent to 96.02 per cent. Private NBFCs dominate deposit mobilisation, contributing 91.55 per cent of the total pool, which rose by 0.79 per cent to Tk 468.05 billion. Public sector deposits grew 0.84 per cent to Tk 43.22 billion, with government deposits seeing a 1.28 per cent increase to Tk 483 million.
Geographical concentration remains a defining feature of the NBFC landscape. Dhaka division alone accounts for 92.39 per cent of total deposits, which rose 1.00 per cent to Tk 472.36 billion during the quarter. In stark contrast, Barishal division recorded the lowest participation at a mere 0.16 per cent, highlighting the ongoing challenge of extending financial services beyond the capital and central economic hubs.
Overall, while deposit growth provides a stable funding base for NBFCs, the decline in year-on-year lending for economic purposes suggests cautious credit strategies, shaped by regional imbalances and sectoral disparities.