Review the following case study and provide concise, to-the-point responses to the subsequent questions. Responses should be expressed with clarity and precision.

An analysis of the central bank data shows that in June, 2025, bank loan growth in the private sector hit the lowest level in history. To control high inflation, Central bank has been announcing contractionary monetary policies for three consecutive fiscal years. Central bank (Bangladesh Bank) lowered the loan growth target to 7-2 percent when announcing the monetary policy for the current FY 2025-26. However, this target remained unmet as to the end of July. According to Bangladesh Bank, from July 2024 to the same month in the current fiscal year, loan growth stood at 6-52 percent. Some banks, however, have taken, full advantage of the higher interest rates despite the lack of inflation relief. By purchasing high-interest government treasury bills and bonds and collecting higher rates from borrows, leading banks posted record operating and net profits in 2024. Financial statements from top banks show that much of 2024's income earned from treasury bills and bonds, which carried interest rates between 11 and 13 percent throughout the year. Bankers now see investing in government bills and bonds as safer and more profitable than lending. Yet the country's economic growth and job creation depend heavily on the private sector, which drives most of the production, marketing and services industries. Without increased, private investment and credit flow, the economy will not regain momentum.