Due to low investment demand, the banking sector's surplus liquidity has steadily increased, reaching approximately Tk 4.5 lakh crore (specifically Tk 4,41,954 crore) at the end of August. This is up from Tk 4.23 lakh crore in July and crosses the Tk 4 lakh crore milestone first achieved in June.

Bankers note that energy crises (gas and electricity) and central bank pressure to reduce defaulted loans have made sound banks cautious, driving down private sector credit growth to 4.75%. Instead of issuing new loans, banks are heavily investing their excess funds—which exceed statutory liquidity ratio (SLR) requirements—into risk-free Treasury bills and bonds.