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Non-bank financial companies (NBFCs) saw a slight increase in deposits during the October-December 2025 quarter, but loan disbursements declined on a year-on-year basis, reflecting a mixed performance across the sector.
Despite the marginal 0.8-percent rise in total deposits to Tk 511.27 billion, lending for economic purposes fell 4.58 per cent compared with the same period in 2024, even as regional concentration and gender disparities continued to shape the industry's overall landscape.
The Bangladesh Bank (BB) data revealed that total deposits stood at Tk 507.23 billion in July-September 2025, while total loans and advances, including accrued interest, reached Tk 788.28 billion in October-December 2025, marking 1.41 per cent rise. NBFCs' total loans and advances stood at Tk 777.34 billion in July-September 2025 and Tk 760.77 billion in October-December 2024.
While year-on-year lending for economic purposes fell 4.58 per cent to Tk 60.61 billion compared with the same period in 2024, total disbursements of such loans and advances increased by 24.77 per cent in October-December 2025 compared with July-September 2025.
The economic purpose loan distribution reached Tk 48.57 billion in July-September 2025, whereas it was Tk 63.51 billion in October-December 2024. A deeper look at the sector's performance reveals a wide gap between public and private players.
Loans and advances in public NBFCs surged by 4.22 per cent to Tk 155.68 billion during the period under review, while private NBFCs' grew more cautiously by 0.74 per cent, reaching Tk 632.60 billion during the period.
On the deposit side, fixed deposits remained the backbone of the sector, despite a slight decline in share from 96.10 per cent to 96.02 per cent. Total fixed deposits rose 0.72 per cent to Tk 490.95 billion at the end of December 2025.
The private sector remained the primary engine for deposit mobilisation, accounting for 91.55 per cent of the total pool, with deposits increasing by 0.79 per cent to Tk 468.05 billion.
Public sector deposits grew 0.84 per cent to Tk 43.22 billion, while government deposits in the public sector saw a 1.28 per cent increase to Tk 483 million.
Geographical concentration continues to dominate the sector, with Dhaka division contributing a staggering 92.39 per cent of total deposits.
Deposits in Dhaka rose 1.00 per cent to Tk 472.36 billion.
In contrast, Barishal division recorded the lowest participation, at just 0.16 per cent of total deposits, underscoring the challenges NBFCs face in expanding beyond the central economic hub.
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