Climate

Bank credit remains scarce in Bangladesh where climate risks are highest

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Based on a feed excerpt; full article content has not been acquired. Source evidence retrieved 20/10/2026, 12:09:24 UTC.

Briefings

A 34-year-old fish farmer named Saiful Gazi in Bangladesh's Shyamnagar district was denied a bank loan for expanding his business after Cyclone Aila in 2009, forcing him to rely on high-interest NGO loans. Bangladesh Bank data from April-June 2026 shows bank lending is heavily concentrated in Dhaka and Chattogram divisions, which together held three-quarters of total loans, while vulnerable regions like Barishal and Khulna receive minimal credit despite high climate risk.

Key points

• Saiful Gazi, a 34-year-old fish farmer in Shyamnagar, Bangladesh, was denied a bank loan for business expansion after Cyclone Aila in 2009, forcing him to rely on high-interest NGO loans.
• Bangladesh Bank data from April-June 2026 indicates that bank lending is heavily concentrated in Dhaka and Chattogram divisions, which together accounted for three-quarters of total loans, while vulnerable regions like Barishal and Khulna receive minimal credit despite high climate risk.

Context

This article highlights a critical gap between climate-vulnerable regions in Bangladesh and formal financial access. The evidence reveals that while major regional divisions exist, lending remains heavily concentrated in Dhaka and Chattogram, creating a disparity where communities like Saiful Gazi face significant barriers to adapting to climate change.

Limitations

Evidence is limited to a single case study of Saiful Gazi and Bangladesh Bank data for April-June 2026. The study does not provide broader national statistics on loan distribution across all vulnerable regions, nor does it include historical data prior to 2009 or post-2026 projections.

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