Banks in Bangladesh are increasingly relying on loan rescheduling to reduce non-performing loans, but the strategy has not lowered defaults. According to the Bangladesh Bank’s Financial Stability Report 2025, total rescheduled loans stood at Tk 4.46 trillion, with the largest share in industrial term loans. About 39.87 percent of these rescheduled loans have again turned non-performing, highlighting persistent repayment challenges.
The report shows that industrial term loans accounted for 29.56 percent of all rescheduled loans, followed by the ready-made garments and textile sector at 17.56 percent. Private banks held 74.16 percent of the total rescheduled loans, while state-owned banks accounted for 23.27 percent. Experts cited weak loan assessment, political influence, and reduced down payment requirements as key reasons behind repeated defaults. They also noted that energy shortages and high dollar prices have strained manufacturing borrowers.
Economists and bankers emphasized that while rescheduling offers temporary relief, sustainable recovery depends on stronger loan monitoring, business revival, and export growth. They urged that rescheduling benefits be limited to genuinely distressed enterprises to prevent misuse.
রোহান রাজিব প্রকাশ : ০৩ জুলাই ২০২৬, ১২: ৪০ খেলাপি ঋণ কমাতে পুনঃতফসিলের পথেই বেশি ঝুঁকছে ব্যাংকগুলো। তবে এতে খেলাপি ঋণ কমছে না। বরং পুনঃতফসিল করা ঋণের বড় একটি অংশ আবার খেলাপিতে পরিণত হচ্ছে। বর্তমানে ব্যাংক খাতে পুনঃতফসিল করা ঋণের স্থিতি দাঁড়িয়েছে চার
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