Bangladesh Bank’s latest statistics reveal that 4,899 large borrowers, each with loans exceeding Tk 50 crore, collectively hold Tk 5.75 trillion—over 32 percent of the country’s total bank loans. This concentration has grown from 27.6 percent in March 2024, indicating a rising dominance of large corporate clients in the banking sector. Each of these accounts now averages around Tk 117 crore in loans.

The report highlights that this growing concentration poses significant risks to the banking system, as defaults by a few large borrowers could directly affect banks’ capital, liquidity, and profitability. Despite existing exposure limits, many large industrial groups have exceeded them, and Bangladesh Bank has recently relaxed these limits further, allowing banks to lend up to 25 percent of their capital to a single client until June 2028.

Meanwhile, small borrowers remain largely excluded. Over 93 percent of loan accounts hold less than Tk 10 lakh, yet together they receive only 9.19 percent of total loans. State-owned banks face the highest risk, with nearly half their loans concentrated among about 1,000 clients.