Although there were many discussions about a possible liquidity crisis in the banking sector after the July uprising, the reality was the opposite. The latest report from the Bangladesh Bank shows that the amount of surplus liquidity in the banking sector stood at 2 lakh 65 thousand 767 crore taka as of the end of June 2025.

According to the report, the total liquidity in the banking sector as of June was 5 lakh 70 thousand 611 crore taka. Against this, the required minimum liquidity was 3 lakh 4 thousand 844 crore taka. That is, the net surplus is 2 lakh 65 thousand crore taka, which is about 97 thousand crore taka more than the previous year.

A bank-wise analysis shows that the surplus of government banks is 88 thousand 345 crore taka, private banks are 1 lakh 43 thousand 954 crore taka, and foreign banks are 33 thousand 97 crore taka. However, Islamic banks have a deficit of 433 crore taka, and specialized banks have a deficit of 62 crore taka.

In the 2024-25 fiscal year, remittances to the country reached a record $30.33 billion, of which $2.82 billion came in June alone—11 percent more than the previous year. This has also had a positive impact on foreign exchange reserves, which have increased to $31.77 billion. The previous year, the reserves were $26.71 billion at this time.

Former Managing Director of Bank Asia Arfan Ali said, “Although some reform steps were taken after the change of government, the investment trend decreased. Due to high interest rates, many businessmen were reluctant to take loans, resulting in increased liquidity in the banks.”

Economist and Change Initiative Research Fellow M Helal Ahmed Joni said, “Record remittances and foreign loan flows have helped increase reserves. The pressure on the dollar market has eased as hundi activities have decreased. Overall, this is a positive message for the economy.”

Bangladesh Bank said that it sold $503 million in the last fiscal year. The highest exchange rate per dollar in June was 122 taka 77 paisa, which is higher than the previous year (118 taka).

Meanwhile, the balance of savings certificates sold stood at 3 lakh 33 thousand 686 crore taka as of May. At the same time, the government took a net loan of 1 lakh 20 thousand 876 crore taka, which is about 14 thousand crore taka more than the previous year.

Bangladesh Bank spokesperson Arif Hossain Khan said, “After the changeover, the economy has gained positive momentum. Liquidity and reserves have increased, and the dollar market has also stabilized. Overall, this is a hopeful signal for the future.”