Economy April 16, 2026 04:25 PM

Bangladesh must plug capital shortfalls in banks and private sector before reforms can succeed, finance minister warns

Amir Khosru flags a 'serious' capital deficit and escalating energy import costs at IMF-World Bank spring meetings

By Ajmal Hussain
Bangladesh must plug capital shortfalls in banks and private sector before reforms can succeed, finance minister warns

Bangladesh's finance minister said the country needs to replenish capital in both the private sector and the banking system before other reforms can be effective. He described a serious capital shortfall, noted widespread stress among businesses and banks, and warned that rising energy costs driven by the Middle East conflict are inflicting roughly $2 billion in additional expenditure. The government has indicated plans to seek more than $2 billion in external financing to secure fuel and LNG imports.

Key Points

  • Finance Minister Amir Khosru said replenishing capital in the private sector and banks must come before other reforms; banking sector stress is acute.
  • Bangladesh relies on imports for about 95% of its energy needs and has been buying on the spot market, contributing to nearly $2 billion in additional energy expenditure so far.
  • The government plans to seek over $2 billion in external financing to secure fuel and liquefied natural gas imports, as rising energy costs compound weak tax revenue due to low business activity.

Bangladesh faces a pressing need to shore up capital in its private sector and banking system if policy changes are to take hold, Finance Minister Amir Khosru said on Thursday.

Speaking at an Atlantic Council event held on the sidelines of the International Monetary Fund and World Bank spring meetings in Washington, Khosru stressed that strengthening balance sheets must come first. "The first thing to be approached is to replenish the capital deficit that is there in the private sector, replenish the capital in the banking sector," he said. "Without this, talk about any other reforms is not going to get us anywhere."

Khosru described the nation's capital shortfall as "serious" and said the private sector is under significant strain. "The private sector now needs to be salvaged. This is a big challenge," he said, adding that "a lot of banks are practically bankrupt."

Alongside balance-sheet pressures, Khosru identified a sharp rise in energy costs as another major challenge for the economy. He attributed the spike in prices to the conflict in the Middle East and highlighted Bangladesh's heavy reliance on imports for its energy needs. The minister noted that the country of 175 million people depends on imports for about 95% of its energy, and that state-run agencies have increasingly procured supplies on the spot market.

"We have been procuring from all over the world, and mostly spot buying, and when you go for spot buying, you know the pricing of the product goes up so many times," Khosru said. He estimated the additional expenditure related to energy procurement at nearly $2 billion so far. "So basically, if we add it all up, the kind of expenditure on the energy sector, we are out of pocket by nearly $2 billion already. And if it continues, I don't know what will happen at the end."

The finance minister linked this energy-driven spending surge to weaker revenues stemming from subdued business activity. He said energy spending is "bleeding the exchequer of the government, and on top of that, your tax to GDP is not increasing because of the businesses' stress."

Last month, the government indicated that it would seek over $2 billion in external financing to secure fuel and liquefied natural gas imports. Khosru's remarks framed these financing needs and the capital shortfall as immediate preconditions for any effective reform agenda.


Bottom line: The minister emphasized that replenishing capital in the private sector and banking system is a prerequisite for progress, while surging energy import costs have intensified fiscal strain and reduced tax revenue growth amid stressed business activity.

Risks

  • Persistent capital deficits in banks and the private sector could undermine reform efforts and financial stability - impacting the banking and corporate sectors.
  • Continued reliance on volatile spot markets for energy imports may drive further unplanned expenditures, exacerbating fiscal strain - impacting government finances and the energy sector.
  • Reduced tax-to-GDP due to stressed businesses may limit the government's fiscal capacity to respond, increasing pressure on public finances - impacting public budgets and social spending.

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