TT-Clean: 77.1 | TK BC-Selling: 78.1
TK OD-Sight: 76.88 TK | TC-Selling: 78.1 TK

TT-Clean: 77.1 | TK BC-Selling: 78.1
TK OD-Sight: 76.88 TK | TC-Selling: 78.1 TK


TT-Clean: 77.1 | TK BC-Selling: 78.1
TK OD-Sight: 76.88 TK | TC-Selling: 78.1 TK

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Rate last updated: 02/01/2014 11:15:04 AM


Islamic Banking & Finance has turned into well accepted to the people and its suitability has been rising in the country and all over the world enormously. Islamic Banking & Finance has already been proved its significance in the field of economy caring almost 30% business volume of the whole banking business. The sector is also standing at leading point by discharging its responsibilities in Corporate Social Responsibility (CSR).

Highlighting on elevated ethical standards, it builds a society with the honest, responsible, caring & trustworthy people. The well designed pool of Liability & Asset products based on Islamic Shariah Principles, saves the banks from the rapid raising of non-performing resources and ensures quality of the assets. Islamic banking asset products confirm real transaction instead of only financial transaction, role of which is to ensure high productivity, employment etc. Thus, it has been effectively crossing the financial crisis broaden out all over the world following latest economic depression.

Now Islamic Banking & Finance is well competent to meet the emerging demand of the people who are interested in Riba free banking and also eager to manage their assets by this holistic system.

Dhaka Bank has been providing Islamic Banking services through its 2 (two) branches with adhere to the Islamic values & Integrity. Our first Islamic Banking Branch, Motijheel, Dhaka was inaugurated on July 02, 2003 and second one, Islamic Banking Branch, Muradpur, Chittagong was opened on May 22, 2004. We may mention that

Dhaka Bank is the pioneer to establish Shariah based banking operations

Objectives Of Islamic Banking Operations
  • To eliminate oppression & disparity from the economic field ensuring equitable distribution of wealth.
  • To establish honesty & justice.
  • To earn welfare by best utilization of assets without keeping idle.
  • To invest with caring welfare of individual & whole together and avoid uncertainty in the society.
  • To prioritize the welfare & necessity of the society instead of profit only.
  • To invest in comparative least developed & deprived area prioritizing common demand along with agriculture, Industry & Commerce.
  • To work for earning economical stability.
  • To meet basic needs & develop status of human life by ensuring proper utilization of human resources & wealth.
  • To assist legitimate business & financial transaction along with Riba free commodity base transaction.
  • To help in balanced development of the Society.
  • To engage small & big capital in business & create fastness in economy.
  • To avoid uncertainty in the society improving financial strength of distressed people with more confidence standing on Islamic Financial System.
  • To create various products derivatives considering modern economies demands.
  • To improve & develop life standard of Poor people caring their quality in main stream of Society.
  • To play role for alleviation of the poverty from the Society.
Shariah Supervisory Committee

Islamic Banking Operations of Dhaka Bank is conducted under keen supervision of Shariah Supervisory Committee. Shariah Supervisory Committee of Dhaka Bank consists of a team of Shariah scholars & experts, renowned Islamic banker, Lawyer along with personalities having outstanding strength in Qur’an, Hadith & Fiqh. The Shariah Supervisory Committee meeting held at least once in a quarter and it reviews the Islamic Banking activities and provides their expert opinion on various Shariah related issues of Islamic Banking Operations. The Member Secretary discharges his duty as the chief of the Shariah Supervisory Committee Secretariat & the Muraquib acts in the Secretariat under Member Secretary & helps the Shariah Supervisory Committee for its regular activities.
A short introduction of Shariah Supervisory Committee is here under

Sl NoPictureNameDesignation
1Islamic CommitteeMr. Md. Fariduddin AhmedChairman
2Islamic CommitteeDr. Abu Noman Md. Rafiqur RahmanMember (Faqih)
3Islamic CommitteeDr. Mohd. Haroon RashidMember (Faqih)
4Islamic CommitteeMr. Hafej Mawlana Abdul GaffarMember (Faqih)
5Islamic CommitteeMr. Barrister Sabel NawazMember (Lawyer)
6Islamic CommitteeMr. Emranul HuqMember (Ex-Officio)
7Islamic CommitteeMr. Md. Tipu SultanMember Secretary
Activities Of Islamic Banking Division
As per Guideline on Islamic Banking issued by Bangladesh Bank BRPD Circular No.15 dated November 9, 2009, a full pledged separate division namely “Islamic Banking Division” was established. Currently the Division is headed by a Senior Executive Vice President having experience in Islamic Banking & Finance. The duty & responsibility of the Division is exclusively as follows:

  • Framing Islamic Banking rules, regulations and Guidelines as well as their implementations.
  • Maintaining co-ordination with the Shariah Supervisory Committee and the other Divisions of the Bank.
  • Holding Shariah Supervisory Committee meeting at least once in a quarter and various Shariah related issues are discussed, reviewed & resolved.
  • Confirming investment of the Funds received for Islamic Banking Business under modes approved by Islamic Shariah.
  • Train up the manpower deployed in the Islamic Banking Branch.
  • Submission of required statements to the Central Bank.
  • Compliance of any other responsibility (ies), the Central Bank may assign from time to time.
  • Supervise the Islamic Treasury Function (Fund Management of Bangladesh Government Islamic Investment Bond, SLR/CRR maintenance etc.)
  • Conduct Shariah Audit/Inspection of the Islamic Banking Branches.
  • Supervising & monitoring Islamic Mudaraba deposit products namely “Tawfeer Mudaraba Savings Bond Account-TMSBA.
  • Determining final rates against provisional rates of various Mudaraba deposits Accounts at end of the year.
  • Other responsibilities/activities as and when assigned by the Management & day to day activities.
Dhaka Bank has been maintaining following deposit products under Al Wadeeah & Mudaraba principle of Islamic Shariah under Islamic Banking Operations:

Deposit ProductsInvestment products
Al-Wadeeah Current AccountMurabaha Purchase Order
Mudaraba Savings AccountBai-Muazzal Industrial
Mudaraba Term Deposit AccountBai-Muazzal Others
Mudaraba Special Notice Deposit AccountMurabaha Post Import Trust Receipt
Mudaraba Pension Scheme AccountMurabaha Term Finance Industrial
Mudaraba Special Deposit Scheme AccountMurabaha Term Finance Others
Mudaraba Foreign Currency Deposit AccountHire Purchase Shirkatul Meelk
Tawfeer Mudaraba Deposit Pension Scheme (T- MDPS)Ijarah Transport
Tawfeer Mudaraba Savings Bond Account (T- MSBA)Ijarah Machinary & Equipment
Tawfeer Mudaraba Foreign Remittance Account (T- MFRA)
Mudaraba Gold Deposit Account
Mudaraba Platinum Deposit Account
Mudaraba Silver Deposit Account
Mudaraba Residence Foreign Currency Account
Mudaraba Ratib (Salary) Account
Mudaraba Waqf Cash Individual Account
Mudaraba Waqf Cash General Account
Aroni Mudaraba Savings Account
Aroni Mudaraba DPS Account
Mudaraba Marriage Deposit Scheme
Mudaraba Hajj Savings Scheme
Tayyebah Lakhpoti Deposit Scheme
Tayyebah Kotipoti Deposit Scheme

Besides, Selling of Payment Order, Demand Draft, issuance of Bank Guarantee, Performance Guarantee, Bid Bond, Customers Solvency Certificates, Foreign and other necessary banking services are also available at the 2 (two) Islamic Banking Branches under Islamic Banking Operations of Dhaka Bank.

We always welcome your valuable visit to our Islamic Banking Branches for further help.

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Dear Valued Patrons,

At the very onset, let me express my heartiest gratitude for allowing us to serve you and I also wanted to reach out to you directly with an assurance that Dhaka Bank is fully equipped to support you during this difficult time.

Last couple of weeks ago we all were living in a peaceful condition, performing our daily tasks freely and perfectly. Entire economy and business environment was also in a good shape, until COVID-19 put a forceful stoppage to the overall life style and economy of the world. We all know that social distancing and cleanliness are the keys to prevent this pandemic. Hence, we urge your conscious effort to limiting public interaction and suspending wherever possible.

In this current situation, Dhaka Bank and its employees are beside you where we are fully online, either working from home or at our offices under a robust Business Continuity Plan (BCP) to serve you with limited branch banking and a full-fledged alternate delivery channel services.

Our state of the art Mobile App, Dhaka Bank GO (Click https://bit.ly/2WVfieu) and Internet Banking - Dhaka Bank Direct gives you the freedom of banking online anytime from anywhere. You can check the balance and transfer money to any designated Banks including any Dhaka Bank or bKash Account, make utility bill payments and mobile top-up through our Mobile App and Internet Banking Services. Our ATMs are also running efficiently with availability of sufficient cash for your convenience where you can make cash withdrawals whenever the need arises. Mentionable, the withdrawal of cash from any ATMs within Bangladesh with Dhaka Bank Debit Cards are absolutely free of charges up till April 30, 2020 (Dhaka Bank will bear the cost). Our corporate customers can also use our completely safe and secured online platform Dhaka Bank C-Solution for Payments, Inter Bank Fund Transfers, etc.

Moreover, to fulfill your urgent requirement, we have a limited no. of branches up and running by ensuring all kinds of precautionary and safety measures for you.

In case of extreme emergency and facing difficulties in conducting banking transactions, please let us know through our 24/7 Contact Center number 16474 (or, dial +8809678016474 for ISD/Overseas Calls). We are always with you to combat your difficulties.

As you know we are going through a critical phase and the situation is novel to all of us. We are getting lot of new information from various sources everyday about COVID-19 which will be shared at www.dhakabankltd.com.

Thank you for your trust and continued support to us. I firmly believe that jointly we will be able to combat this situation and win against all the odds.

Please stay home, stay safe and take care of yourself and family.

Best regards,

Emranul Huq
Managing Director & CEO
Dhaka Bank Limited