Bangladesh Bank has reinstated a maximum 4 percent spread between deposit and lending interest rates, aiming to reduce borrowing costs and support productive sectors. The directive, issued through a circular on Monday, excludes credit card and consumer loans. Currently, the average spread in the banking sector stands at 5.72 percent, with some banks maintaining spreads as high as 7 to 9 percent.
According to the central bank, many banks have sharply increased lending rates compared to deposit rates, widening the spread and negatively affecting business and industrial financing. The move seeks to bring lending rates to a reasonable level and ease financial pressure on borrowers. A bank collecting deposits at 8 percent interest will now be allowed to lend at a maximum of 12 percent.
The 4 percent cap had been lifted in November 2023 under an IMF-backed market-based interest rate system but has now been reinstated following recommendations from the central bank’s monetary policy committee, which cited high non-performing loans and excessive spreads as key concerns.
অর্থনৈতিক রিপোর্টার প্রকাশ : ২৯ জুন ২০২৬, ২০: ১১আপডেট : ২৯ জুন ২০২৬, ২০: ১৮ ব্যাংক ঋণের সুদহার কমিয়ে আনতে ঋণ ও আমানতের সুদহারের ব্যবধান (স্প্রেড) আবারও সর্বোচ্চ ৪ শতাংশে বেঁধে দিয়েছে বাংলাদেশ ব্যাংক। এখন থেকে ক্রেডিট কার্ড ও ভোক্তা ঋণ ছাড়া অন্য সব ধর
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