Depositors of Combined Islami Bank PLC will not face any haircut on their profits. From September 1, individual depositors will also be able to withdraw the principal amount from Al-Wadiah current accounts, Mudaraba savings accounts and Mudaraba term deposits according to their needs, beyond the limits specified under the existing scheme. Bangladesh Bank has instructed the bank authorities to take the necessary measures in this regard.

The directives were issued during a meeting on Tuesday (August 25) morning between Bangladesh Bank Governor Md. Mostakur Rahman and Combined Islami Bank PLC Chairman Kazi Shairul Hasan and Managing Director Abedur Rahman Sikder.

Bangladesh Bank Deputy Governors Dr. Md. Habibur Rahman, Dr. Md. Kabir Ahmed, Md. Sarwar Hossain and Md. Anisur Rahman were also present at the meeting.

During the meeting, the governor instructed the bank to clearly inform depositors that no haircut would be imposed on their profits, in order to remove existing confusion among customers. The finance minister had also announced in Parliament that depositors would not face any haircut on their profits. Despite this, the authorities emphasized the need for effective communication to eliminate any remaining uncertainty among depositors.

According to Bangladesh Bank’s directive, funds are already being returned to depositors in accordance with the scheme announced on December 29, 2025. As part of the process, the withdrawal facility for individual depositors will be expanded from Tuesday, September 1. Customers will be able to withdraw money from the principal amounts held in Al-Wadiah current accounts, Mudaraba savings accounts and Mudaraba term deposits according to their requirements. The bank has been instructed to make the necessary arrangements.

Combined Islami Bank PLC was formed by merging several Islamic banks as part of efforts to address the recent crisis in the banking sector. With initial capital of Tk 35,000 crore, the bank has begun operations as the country’s largest and only state-owned Islamic bank. One of its key challenges is to restore depositors’ confidence and return quickly to normal banking operations.

Against this backdrop, the governor instructed the bank’s chairman and managing director to take immediate steps to resume all regular banking services as soon as possible. Officials concerned believe the move will help rebuild depositors’ confidence, strengthen liquidity management and accelerate the bank’s return to normal operations.

During the meeting, the governor also stressed maintaining clear and transparent communication with depositors and making the fund-return process simpler and more effective. In particular, the bank was instructed to clearly communicate to customers that there would be no haircut on their profits.