Deposits mobilized through banking sub-branches rose by 5.7 percent to Tk 84,263 crore at the end of June 2026, up from Tk 79,717 crore in March 2026, according to the latest report of Bangladesh Bank.
A bank sub-branch is a small, subordinate banking office that operates under the supervision of a nearby main (full-fledged) branch to provide basic financial services at a lower operational cost.
The central bank’s quarterly report on scheduled banks' sub-branches showed that sub-branch deposit growth significantly outpaced the overall banking sector’s deposit growth of 2.4 percent during the April–June period.
The share of sub-branch deposits in total banking sector deposits edged up to 3.8 percent in June from 3.7 percent in March. Rural areas contributed 33.9 percent of the total sub-branch deposits, up from 32.8 percent in the previous quarter.
The total number of deposit accounts expanded by 5.9 percent, rising to 8,969,198 in June from 8,473,697 in March. Women's account ownership grew slightly, accounting for 38.4 percent of total deposit accounts compared to 38.2 percent in the previous quarter. However, the total share of deposit amounts held in women's accounts declined from 26.2 percent to 25.9 percent.
In contrast to deposit growth, outstanding loans and advances disbursed through sub-branches declined by 7.7 percent to Tk 20,602 crore at the end of June 2026, down from Tk 22,309 crore in March 2026. This contraction occurred despite a 1.4 percent growth in aggregate lending across the broader banking sector.
Sub-branch loans accounted for 1.1 percent of total aggregate loans disbursed by scheduled banks as of June 2026. The rural share of sub-branch loans rose to 35.8 percent from 31.8 percent, indicating stronger loan distribution in rural areas relative to urban centers.
The total number of loan accounts fell by 5.3 percent to 240,010 from 253,512. Women borrowers saw their share of total loan amounts increase to 14.7 percent from 14.0 percent, while their share of loan accounts rose to 18.9 percent from 18.3 percent.
During the April–June quarter, 30 new rural sub-branches and 19 urban sub-branches were opened, while eight sub-branches were closed or merged. Consequently, the total number of sub-branches reached 5,033 operating across 50 scheduled banks at the end of June, up from 4,992 in March. Rural sub-branches represented 49.5 percent of the total network.
Geographically, Dhaka district hosted the highest number of sub-branches at 1,007, followed by Chattogram 470, Comilla 218, Narayanganj 170, and Gazipur 168.
Among scheduled banks, IFIC Bank PLC operated the largest network with 1,224 sub-branches, followed by NRBC Bank PLC 688, Dutch-Bangla Bank PLC 350, Pubali Bank PLC 281, and Islami Bank Bangladesh PLC 271.