Private sector credit growth in Bangladesh fell to 6.10 percent at the end of December 2025, marking the lowest level in recent years, according to the latest Bangladesh Bank report. The growth rate stood at 7.28 percent during the same period in 2024. The central bank’s data show that private sector credit totaled Tk 17.88 trillion in December 2025, up from Tk 16.85 trillion a year earlier.

Industry insiders said the slowdown reflects weak demand for loans as businesses remain reluctant to invest or expand amid political uncertainty. Many are waiting for a peaceful political transition, and stakeholders believe that only a free and fair election could revive investment appetite. The subdued demand for credit has led to increased liquidity in the banking sector.

Bangladesh Bank had set a target of 7.2 percent private sector credit growth for the July–December period of the current fiscal year, but the actual growth fell short of that goal.