Islami Bank Bangladesh Limited (IBBL) is one of the largest and influential financial organizations in amazement. The bank, set up in 1983, has been one of the flag bearers for Islamic banking in bangladesh. It has a strong branch network, and now commands respect both in small towns and villages as well. But Why is this that how many branches would be future increased in case of Islami Bank at Bangladesh?
It provides the extensive branch network, which means IBBL has a significant number of branches throughout Bangladesh. This blog post explains how to detail Islami Bank all branches in Bangladesh with location and services offered at these locations… We will also reflect on how the bank has used its branch expansion in order to promote financial inclusion and economic growth within the nation.
Islami Bank Bangladesh All Branch Lists
It has more than 380+ branches operating across the country up to its Information, As of now in 2024, Islami Bank Bangladesh Limited This wide reaching network has enabled the bank to serve millions of customers offering them Islamic banking facilities. IBBL has presence across densely populated urban areas and remote rural regions making it one of the most penetrating bank in Bangladesh.
Hypothesis 3 (indirect effect through urban-rural differences): Urban versus Rural Branch Distribution
Urban Branches: Most of the branches Urban-based are in major urban centers such as Dhaka, Chittagong & Silhet serving proliferating number of Corporate and Retail customers.
Rural Branches: Along with serving rural areas to support local economic activities such as agriculture and small businessesimar (BRAC Bank) This powers fintechs to address financial inclusion in locations where traditional banks may not or cannot go.
IBBL Branches Key Features
Including but not limited to savings, loan facilities as well as supporting trade finance and SME banking — which can be done on-site through any branch of Islami Bank. The branches are well-equipped to cater both individual and business requirements, thus making it easy for people from all segments of the society can access Islamic financial products.
Islami Bank Branches Services
Islami Bank branches are subject to many types of financial needs. From catering to small business owners and corporate entities, all way down to an individual looking for Shariah compliant banking solutions; the financial services available at IBBL branches span a wide spectrum.
Retail Banking Services
- Savings Accounts— Open MUdharaba Savings Account in accordance with Islamic Financial Law
- Deposit Schemes: Various savings deposit schemes which are designed by IBBL help meet individual financial requirements in an organized manner, the Mudaraba Monthly Savings Scheme (MMSS).
- Consumer Loans: Personal loans that come under the purview of Shariah (Islamic Law) could be taken for education, home finance, and car purchases.
Corporate and Small business banking
- Working Capital Financing: businesses can avail the working capital finance from IBBL to manage their operations on a day-to-day basis.
- Trade Finance: Trade finance solutions based on Islamic mode of transactions (Murabaha / Ijara) which help in easier conduct of international and domestic trade.
- SME Support: Islami Bank offers tailored financial solutions to small and medium enterprises through a dedicated SME focus.
Islamic Financial Products Tailored For Specific Needs
It yields specialised socioeconomic programmes like Waqf Properties Financing and Zakat(1) Management Services either to employ funds in the line with Shariah rulings/its own commercial bank rules (like holding income generating assets observe principles of Islamic banking.
Region wise No of Branches Islami Bank
The large network of Islami Bank is divided regionally which covers almost all big divisions in Bangladesh. Here is a breakdown of the number of branches in each division:
Dhaka Division
Islami Bank has the largest branch network in the capital city, Dhaka with millions of residents that need access to financial services. This division alone has more than 100 branches
Major Branches in Dhaka: Motijheel Dhanmondi Gulshan.
Services Provided: Facilities like Corporate Banking, SME services and Personal Financial Products are processor managed to be operational across all branches.
Chittagong Division
Chittagong is the second largest in terms of branch network with over 60 branches. This is consistent with the regional focus in Chittagong on banking non-retail clients, as this region comprises much of Bangladesh’s industrial and port hub.
Main Branches: Agrabad Branch, Chittagong Export Processing Zone Branch & Halishahar Branc.
Sylhet Division
Sylhet — another identified critical area for Islami Bank, the most because of many outward workers from whom remittances are collected. There are 35+ branches in this department.
Key Branches: Zindabazar, Sylhet Central and Subidbazar
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Impact to Financial Inclusion of Islami Bank
The nature of Islami Bank’s branch network is well illustrated in the chart below as we view it (in perspective). And this key reason makes its presence so critical to expanding financial inclusion. The bank has helped alleviate poverty and enhance livelihoods through small banks that brought banking to rural communities.
Expanding Rural Banking
Many people in rural areas have also been using financial services through Islami Bank. It provides focused microfinance and agricultural lending to enable small farmers/entrepreneurs to expand their ventures.
Microfinance Programs: Islami Bank has initiated quite a few micro finance schemes through its rural branches that lend small amounts to people not entitled for traditional banking.
Agricultural Loans: Shariah-compliant loans may be availed for agricultural equipment, seeds and the likes; supporting rural development.
Empowering Women
Women empowerment: It is another notable feature of branch network in Islami Bank. The bank provides unique financial products to women, some of which are designed specifically for allowing them a participation in the economy and full economic empowerment as well.
Women Entrepreneurs Financing: Islami Bank Women entrepreneurs want accessible credit and loans that are tailored to enable the entrepreneurship of women in order to establish new business entities.
Comparison of Islami Bank Branches with Other Banks
While the number of its branches is amongst largest for a bank, how does it compare to other major banks in Bangladesh?
Comparison Table: Islami Bank Vs. Other Banks
| Metrics | Islami Bank Bangladesh Ltd. | BRAC Bank | Dutch-Bangla Bank | Eastern Bank |
|---|---|---|---|---|
| Capital Adequacy Ratio (CAR) | 11.80% | 12.50% | 13.00% | 13.50% |
| Non-Performing Loans (NPL) Ratio | 3.00% | 2.10% | 2.50% | 2.00% |
| Return on Assets (ROA) | 1.20% | 1.80% | 1.60% | 2.00% |
| Return on Equity (ROE) | 15.50% | 17.00% | 16.00% | 18.00% |
| Liquidity Coverage Ratio (LCR) | 125% | 130% | 135% | 140% |
| Credit Rating | BBB- | BBB- | BBB | BBB |
| Profit Sharing (Shariah Compliance) | Yes | No | No | No |
| Islamic Investment Products | Mudarabah, Musharakah, Ijarah | No | No | No |
| Interest Rate | Profit-sharing (No Interest) | 5.00% – 6.00% | 5.25% – 6.25% | 5.50% – 6.50% |
As shown in the table, Islami Bank has a pole position with substantial number of branches when compared to other peers targeting rural and suburban areas conducting entirely Islamic banking.
However, the Islami Bank is expanding its network branches on a regular basis and has even more in the pipeline over this year & next. InfinBank plans to expand its reach in underbanked areas and build up a footprint more firmly also across major economic regions.
Islami Bank Bangladesh Limited (IBBL) main branch address and contact information
| Branch Name | Address | Phone Number | Email Address |
|---|---|---|---|
| Head Office | Islami Bank Tower, 40 Dilkusha C/A, Dhaka-1000, Bangladesh | +880-2-9563040 | info@islamibankbd.com |
| Motijheel Branch | 73, Motijheel Commercial Area, Dhaka-1000, Bangladesh | +880-2-9559416 | motijheel@islamibankbd.com |
| Gulshan Branch | Laila Tower, Gulshan Circle-2, Dhaka-1212, Bangladesh | +880-2-9887098 | gulshan@islamibankbd.com |
| Chittagong Main Branch | Sayed Centre, 1722 SK Mujib Road, Agrabad, Chittagong | +880-31-2515350 | chittagong@islamibankbd.com |
New Branches in 2024
The Islami Bank intends to open another 50 branches in the important areas like Barisal and Khulna divisions, by end of 2024. Setting up this new expansion will help the bank to increase its customer base and serve more people.
Digital Banking Initiatives
Alongside growing its physical branch network, Islami Bank is also pouring money into digital banking Through its iBanking internet banking platform and mobile app, the bank enables customers to carry out their financial transactions online as much as possible in place of frequent visits to branches.
Conclusion – Asian Banking & Finance
Islami Bank Bangladesh Limited, as one of the largest bank branch networks in 2010 and a total across urban AND rural areas had setup. Contribution of NBFIs to the Financial Sector in Bangladesh — Islamic Banking, Inclusive Finance & Rural Development are also a focus sector for this institution. Continued outreach to underserved areas alongside a commitment from the bank towards empowering women and encouraging agriculture further establish it as a standout banking leader.
One of the best choices for you is Islami Bank Bangladesh Limited, which has a large network in all over country and follows Islamic banking principles.
How can I find the nearest Islami Bank branch in Bangladesh?
You can find the nearest Islami Bank branch by visiting their official website and using the branch locator tool. Alternatively, you can use Google Maps and search for “Islami Bank branches” to find the closest one based on your location.
What are the operating hours of Islami Bank branches in Bangladesh?
Most Islami Bank branches operate from 10:00 AM to 4:00 PM, Sunday to Thursday. However, it’s recommended to check the specific hours for the branch you intend to visit, as some branches may have different operating schedules.
Can I open an account at any Islami Bank branch in Bangladesh?
Yes, you can open an account at any Islami Bank branch across Bangladesh. You’ll need to bring necessary documents like your NID card, passport-sized photos, and proof of address for the account opening process.
How do I contact a specific Islami Bank branch?
You can find the contact number of a specific Islami Bank branch on their official website under the “Branches” section. Each branch listing includes contact details, including phone numbers and addresses.
Are Islami Bank branches open on weekends in Bangladesh?
Generally, Islami Bank branches are closed on Fridays and Saturdays. However, some branches, especially in busy areas or near commercial zones, may be open on Saturdays for limited hours. It’s best to check with the branch directly for accurate information.