Earlier, customers used to deposit in banks in the hope of getting higher interest rates without considering the risks. As a result, the bank that paid higher interest rates received more deposits. In this way, many banks that took deposits at high interest rates are now unable to return the principal amount to customers. This has disillusioned depositors.

After the fall of the Awami League government, an unprecedented change has been observed in bank deposits in the last one year. It is not high interest rates, but rather the customer trust in the banks whose service quality and image are better has increased. Providing timely services has taken these banks to the top of deposit collection. These banks have not been seen to be taking any additional action to collect deposits. That is, good banks are now naturally receiving more deposits.

According to Bangladesh Bank data, the deposit balance in the banking sector as of June 30, 2024 was Tk 18,38,837 crore, which increased to Tk 19,96,583 crore by the end of June this year.

Among private banks, City Bank and BRAC Bank have seen the highest growth in deposit collection in the past one year. These two banks have seen a growth of more than 30 percent. During the same period, Pubali Bank has seen a growth of more than 20 percent in deposit collection, Jamuna Bank has seen a growth of 19 percent and Trust Bank has seen a growth of 17 percent.

Bank officials say that the balance of deposits is calculated with interest. On average, more than 10 percent interest is added to bank deposits in a year. As a result, those whose deposits have grown by more than 15 percent can be considered to have done well during this period.

City, BRAC and Pubali Bank ahead:

According to sources from the private sector The City Bank, their deposits increased to Tk 52,435 crore by the end of June this year. From June 30, 2024 to June 30, 2025, the deposits of City Bank increased by Tk 18,365 crore. That is, the bank's deposits grew by 33.58 percent in one year. The bank's retail deposits increased by about Tk 9,000 crore, cash management and corporate deposits increased by Tk 5,000 crore. Islamic deposits increased by about Tk 2,500 crore. In addition, SME and agent banking deposits have also increased significantly.