Research

Bangladesh Economic Status Report: Interim Government Policy Analysis

Overview of the Economic Status Report

In July 2024, the Hasina administration collapsed following a student-led uprising, and an interim government headed by Professor Muhammad Yunus was formed. Alongside political stabilization, the interim government has placed economic reform at the top of its agenda, implementing a broad policy mix centered on cooperation with the IMF, foreign reserve stabilization, inflation control, and investment climate improvement.

Based on the economic status report of the Embassy of the Republic of Korea in Bangladesh, this analysis reviews post-transition macroeconomic indicators, the direction of economic policy, trade and investment trends, and the practical implications for Korean companies.

5.8%
GDP Growth
FY2024/25 outlook
9.5%
Inflation
2024 average
$20.5B
FX Reserves
as of Dec 2024
Tk 120/$
Exchange Rate
2024 average
$-18B
Trade Deficit
FY2024
$23B
Remittances
FY2024
$4.7B
IMF Support
3-year program
8.5%
Policy Rate
Bangladesh Bank

Macroeconomic Indicator Analysis

Bangladesh maintained growth in the 5% range in 2024 despite political instability. However, structural pressures remain pronounced, including elevated inflation in the 9-10% band, declining foreign reserves, and taka depreciation. The interim government's tight monetary stance and IMF-backed program are beginning to deliver some stabilizing effects, but a more visible recovery is still expected only from the second half of 2025 onward.

Trend in Key Macroeconomic Indicators
IndicatorFY2022FY2023FY2024FY2025(F)Assessment
GDP Growth7.1%6.0%5.5%5.8%Recovering
Inflation6.2%9.0%9.7%8.5%High inflation persists
FX Reserves ($B)33.525.020.522.0Partial recovery
Exchange Rate (Tk/$)86110120118Moving toward stability
Policy Rate5.75%7.75%8.50%8.00%Tight stance maintained
Fiscal Deficit / GDP-5.2%-5.5%-5.0%-4.8%Improving
Current Account ($B)-18.7-6.8-3.2-4.5Deficit narrowed
Remittances ($B)21.021.623.025.0Record high

Economic Policy Under the Interim Government

The Yunus-led interim government has outlined a three-stage roadmap of "stabilization → structural reform → general election." In economic terms, its priority agenda includes implementation of the IMF program, revenue expansion, banking-sector reform, and improvement of the investment climate.

01
Full implementation of the IMF program: $4.7B ECF/EFF
The government is continuing to implement the $4.7 billion IMF package approved in January 2023 under the ECF/EFF framework. Core conditions include raising the tax-to-GDP ratio from around 8% toward 12%, reducing energy subsidies, liberalizing the exchange-rate regime, and improving banking-sector soundness. Through the third review in March 2024, Bangladesh secured additional disbursements.
02
Exchange-rate liberalization: from crawling peg to managed float
The interim government has moved away from the previous administration’s artificially controlled exchange-rate policy and is transitioning toward a more market-based regime. Bangladesh Bank is reducing direct intervention in dollar trading while allowing greater flexibility in the interbank FX market. Short-term volatility remains possible, but the shift should improve external sector discipline over time.
03
Revenue mobilization: VAT digitalization and a broader income-tax base
Bangladesh’s tax-to-GDP ratio, at roughly 8%, remains among the lowest in the world. The interim government is pursuing higher revenue collection through VAT automation, mandatory use of electronic fiscal devices, expansion of the income-tax base, and tariff rationalization. The FY2025 budget target raises revenue goals by 20%.
04
Banking reform: NPL cleanup and governance improvement
Official non-performing loan ratios in Bangladesh stand at about 10%, but the real figure is often estimated at 15-20%. The interim administration is tightening loan classification standards, strengthening governance at state-owned banks, and reinforcing restrictions on related-party lending. Troubled private banks, including S Alam-linked institutions, are also under restructuring pressure.

Trade and Investment Trends and Implications for Korean Firms

Since the transition, the trade and investment environment has been marked by short-term uncertainty, although structural reforms may create a more favorable medium-term setting. Ready-made garment exports remain relatively stable, but weaker domestic consumption and import restrictions are weighing on Korean exports to Bangladesh in the near term.

Trade Impact
RMG ExportsStable ($45B)
Korean ExportsShort-term decline
LC OpeningsGradually easing
TariffsRationalization under way
Investment Impact
FDI Inflows$3.5B (down)
Business ClimateImprovement in progress
BIDA ReformOne-stop support expanded
RiskPolitical uncertainty
Impact Assessment for Korean Companies
AreaShort-Term Impact (2024-25)Medium-Term Impact (2026-27)Response Strategy
ExportsReduced by import controlsRecovery and growthFocus on essential product lines
InvestmentNew projects delayedExpansion after conditions improveMaintain existing investments
Remittance / SettlementFX volatility riskNormalization expectedUse hedging strategies
RMG InputsDemand remains intactFurther growthEmphasize supply reliability
Infrastructure ProjectsSome delaysResumption and expansionAdopt a long-term bidding strategy
FinanceDifficulty opening LCsNormalization expectedLeverage credit guarantees

Outlook and Corporate Response Priorities

Interim Government Economic Roadmap
Stabilization
Inflation and FX stabilization (2024)
Structural Reform
IMF implementation and tax reform (2025)
Investment Recovery
FDI and infrastructure rebound (2025-26)
General Election
Political normalization (2026)
Growth Track
Return to 7%+ GDP growth
Seven Key Difficulties Faced by Korean Companies OverseasReview major operational challenges and response measures during the interim government period
2025 Global Economic and Trade CalendarTrack major milestones including Bangladesh’s LDC graduation and IMF review schedule

The interim government's reform program can be characterized as involving short-term pain in exchange for medium- to long-term gains. IMF implementation, exchange-rate liberalization, stronger revenue collection, and banking reform all have the potential to improve the underlying structure of the Bangladeshi economy. Rather than overreacting to near-term uncertainty, Korean firms should frame their strategy around the 2026-2027 period, when structural reforms are expected to mature. If political normalization is accompanied by a stronger business climate, that phase may create a meaningful first-mover opportunity for companies prepared to act early.

Economic StatusInterim GovernmentGDP GrowthExchange RateEconomic Policy
Bangladesh Economic Status Report: Interim Government Policy Analysis | Dhaka Trade Portal