The central bank has decided to introduce the 'Expected Credit Loss' (ECL) method in line with international standards. In particular, various indicators including GDP growth, interest rates and inflation will be analyzed to determine the potential loan loss. Step 3: In the case of 'credit impaired' or damaged loans, the safety reserve will be maintained based on the potential loss for the entire term. The calculation of interest income will be determined according to the level of loan risk. But under the new rules, provisions will have to be made in advance considering the potential risk of the loan and the macroeconomic situation.

Source: Dhaka Tribune March 08, 2026 16:54 UTC