Bank deposits in Bangladesh edged up recently, signaling that people are restoring trust in banks and moving fresh cash into formal accounts. The rise shows households and businesses are shifting money back from informal savings and short-term papers, which helps banks lend more and keeps payments steady. Bankers and economists welcomed the change and pointed to several reasons that made banks more appealing. Lower yields on short-term government papers pushed savers toward bank accounts that pay dependable returns, while many banks offered new deals and services to attract customers. Central bank steps to tighten oversight and some bank mergers also eased fear and made the system feel safer, giving people more reason to use banking channels. Regular remittance inflows and steady wage receipts added reliable funds, while the amount of cash held outside banks fell as more money moved into formal accounts. These moves matter because bank deposits are the base for loans to families and firms; when deposits rise, banks can lend more for homes, shops and farms without using costly funds. Even a modest rise in deposit growth can lower borrowing costs, support small business lending and reduce the chance of sudden cash shortfalls that harm trade and jobs. Banks now aim to keep momentum by offering easier savings plans, improving service at branches and pushing digital tools that make banking simple in towns and villages. Boosting current and savings account balances is a priority, since these funds are cheaper for banks to use and help create a steady funding base. Many banks said they will expand efforts in rural areas and tailor products for market sellers, wage earners and small entrepreneurs. Experts urged clear fees, fair interest and fast service so trust keeps building, while regulators were asked to keep predictable rules that let banks plan ahead. Local leaders said visible safety and helpful service make families feel confident to save in banks instead of holding cash at home. Small firms stand to gain because steady deposits let banks provide working capital and investment loans that help shops, factories and farms grow. The return of funds into formal channels is a sign the financial system is healing, but keeping it will need steady communication, fair rates and focus on customer needs. If banks, regulators and communities keep working together, rising deposits can support wider growth, more jobs and a safer place to save money. This gradual return of confidence is an opportunity to build a stronger, more inclusive banking system that serves more people and helps the economy grow. Data shows growth moved to about 8.4 percent and total deposits topped eighteen point eight lakh crore taka, signs that more money is re-entering banks and confidence rises.
