All depositors of the Combined Islamic Bank will now be able to withdraw monthly profit—up to Tk 200,000—not only from their savings and current accounts but also against fixed-term deposits. This new facility will take effect from February 2026, according to Dr. Ahsan H. Mansur, Governor of Bangladesh Bank, who announced the measure at a press conference on Thursday. He further clarified that profit withdrawal will also be possible instantly against remittances and savings certificates.
Addressing security concerns, the Governor emphasised, “Some malicious actors are attempting to disrupt the operations of Combined Islamic Bank. However, depositors’ principal funds are completely safe and will be returned gradually.”
Dr. Mansur also outlined the profit rates for fixed-term deposits: deposits of more than one year will earn 9.5%, while deposits of less than one year will earn 9%.
He added, “We are prioritising the interests of depositors above all. The government is providing a 4% support for two years, resulting in an additional expenditure of around Tk 4,500 crore. Deposit holders should not be misled by rumours.”
The Combined Islamic Bank was formed through a government initiative, merging previously weaker institutions: Exim, Social Islami, First Security Islami, Global Islami, and Union Bank. Key data for the bank are as follows:
| Bank Name | Number of Depositors | Total Deposits (Tk crore) | Total Loans (Tk crore) | Non-Performing Loan Ratio (%) |
|---|---|---|---|---|
| Combined Islamic Bank | 76 lakh | 1,42,000 | 1,92,000 | 77 |
Dr. Mansur stated that the bank now serves nearly 76 lakh depositors with total deposits amounting to Tk 1.42 lakh crore, though 77% of its loan portfolio is currently non-performing. Despite these challenges, he assured depositors that under the new scheme, they can safely withdraw up to Tk 2 lakh monthly profit.
During the press conference, the Governor stressed, “We are identifying and resolving problems gradually. No single plan can be 100% successful, so patience is required to address issues effectively.”
This initiative by the government and central bank is aimed at ensuring that depositors of Combined Islamic Bank can access their funds and profit safely and transparently. The move is expected to restore depositor confidence while also stabilising the country’s Islamic banking sector.