Number of household deposits of over Tk 1 crore rises by 8% in June: BB report

The number of household deposit accounts containing between Tk 1 crore and Tk 25 crore rose by nearly 8 percent year-on-year in June 2025, reflecting the key role played by households in sustaining the financial system.

According to a Bangladesh Bank (BB) report, these accounts increased to 36,932 as of June 2025, up from 34,258 in June 2024.

The total amount held in these specific deposit tiers rose from Tk 80,200 crore in June 2024 to Tk 82,000 crore during the same period.

“The deposit base of Bangladesh’s banking sector remained predominantly concentrated in the private sector, reflecting the central role of households and private institutions in sustaining financial intermediation,” BB said in its June 2025 Banking Sector Update report.

The overall number of household deposit accounts grew significantly from 14.2 crore in June 2024 to 15.9 crore in June 2025, an 11.4 percent rise.

Total household deposit volume saw a significant expansion, reaching Tk 11.08 lakh crore in June 2025, compared to Tk 9.93 lakh crore in June 2024.

Private sector deposits accounted for 83 percent of the total, of which household deposits alone constituted 55 percent, underscoring the dominance of individual savings.

Other private entities, including corporations and financial auxiliaries, contributed 28 percent, while the public sector held the remaining 17 percent.

Deposits between Tk 2 lakh and Tk 25 lakh increased to Tk 6.04 lakh crore from Tk 5.22 lakh crore. Meanwhile, small-value accounts of up to Tk 2 lakh rose from 13.3 lakh crore to 14.8 lakh crore.

The central bank noted that this expansion demonstrates both quantitative and qualitative growth, driven by retail and middle-tier savers.

“The data also reveal that deposits are heavily concentrated in small-value accounts, signifying broad-based financial inclusion,” BB said.