Nineteen banks in Bangladesh received a total of Tk 263,210 crore in deferral facilities from Bangladesh Bank to offset provisioning shortfalls amid rising non-performing loans. According to 2025 financial reports, eleven of these banks reported profits, while eight incurred significant losses. Although the profitable banks showed positive net income, none were able to distribute dividends due to regulatory restrictions. The deferral mechanism allowed banks to present improved financial statements despite underlying capital pressures.
Central bank officials explained that the deferral facility is granted annually to banks with provisioning deficits to help them maintain a stable financial appearance. However, most banks have repeatedly failed to adjust their shortfalls, leading to prolonged dependency on such support. Under new dividend policy rules effective from 2025, banks with non-performing loans exceeding 10 percent are barred from declaring dividends, resulting in 34 banks unable to pay shareholders last year.
Officials noted that without the deferral facility, capital shortfalls would have been more severe, raising costs for international trade financing as foreign banks assess capital adequacy before engaging in transactions.
রোহান রাজিব প্রকাশ : ১১ মে ২০২৬, ০৮: ৫৫ দেশের ব্যাংক খাতে গত বছর বিপুল পরিমাণ খেলাপি ঋণ বেড়েছে। এ কারণে অনেক ব্যাংক প্রয়োজনীয় নিরাপত্তা সঞ্চিতি (প্রভিশন) সংরক্ষণে ব্যর্থ হয়েছে। এ অবস্থায় ১৯টি ব্যাংককে দুই লাখ ৬৩ হাজার ২১০ কোটি টাকার ডেফারেল সুবিধা দি
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