伊斯兰联合银行准备注资5000亿塔卡，因四天内提款金额已达4000亿塔卡。

孟加拉国达卡 —— 萨米利托伊斯兰银行已从孟加拉国央行获得近5000亿塔卡用于偿还存款，而过去四个工作日内，客户申请提取的金额达3925亿塔卡，远低于银行预期，这显示出客户对这家新成立的国有银行的信心持续增强。

根据孟加拉国央行一位高级官员向《商业标准报》确认的数据，自2026年9月1日以来，74221名客户申请提取3925亿塔卡。每日申请量呈逐步下降趋势：

• 第一天：18046份申请，金额达1329亿塔卡
• 第二天：19613份申请，金额达1016亿塔卡
• 第三天：21086份申请，金额达923亿塔卡
• 第四天：15476份申请，金额达657亿塔卡

银行总经理：低于预期显示出信任

萨米利托伊斯兰银行董事总经理阿贝杜尔·拉赫曼·西克德表示："申请量远低于我们的预期，这表明客户对我们有信心和信任。"

他表示，该行在其五家组成银行的分行已做好充分准备，申请量逐渐减少。目前该行在孟加拉国央行的活期账户中约有1万亿塔卡，其中5000亿塔卡已于9月6日转入五家组成银行的账户。

这位官员表示："这家银行由政府所有。客户与这家银行进行交易时，会像对其他国有银行一样充满信心。"

💰 Withdrawal Rules: Principal Only Before Maturity

📋 The withdrawal rules are designed to balance depositor access with the bank’s stability:

• ⏳ Customers withdrawing before maturity will receive only the principal
• 📅 Those keeping deposits until maturity will receive profits as agreed
• 💳 Customers can withdraw cash or transfer funds to other banks through RTGS
• 👥 Individual depositors can withdraw principal from Al-Wadiah current, Mudaraba savings, MTDR, DPS and other accounts

✅ The bank accepted applications until 6 September to complete cash and branch preparations and will begin payments on 7 September. Customers keeping accounts open will continue receiving profits at agreed rates; once operations fully resume, deposits and withdrawals, including profits, will be allowed without limits.

🏛 The Bangladesh Bank’s Bank Resolution Department issued the directive on 31 August.

🏛 Sammilito Islami Bank: A Mega Merger Rescue

🤝 Sammilito Islamic Bank was formed under the interim government after five troubled private banks — Exim Bank, Social Islami Bank, First Security Islami Bank, Global Islami Bank and Union Bank — failed to return deposits amid irregularities and fraud allegations.

📊 The scale of the merged entity is significant:

• 👥 7.6 million depositors
• 💰 Tk1.42 lakh crore in deposits
• 💸 Tk1.92 lakh crore in loans
• ⚠ 86% of loans in default — an extraordinarily high NPL ratio
• 💹 Capital shortfall exceeding Tk1.5 lakh crore

🏛 The state-owned bank began operations in November 2025 with Tk40,000 crore authorised and Tk35,000 crore paid-up capital, including Tk20,000 crore from the government and Tk15,000 crore to be issued as depositor shares.

🌏 Strategic Context for Bangladesh Banking

📊 The relatively modest withdrawal pressure — Tk3,925 crore against Tk1.42 lakh crore in total deposits — is a positive signal for Bangladesh’s banking sector stability. It suggests that despite the well-publicised troubles of the five constituent banks, depositors have retained confidence in the government-backed rescue vehicle.

✅ For Bangladesh Bank, the lower-than-expected withdrawal pressure validates the regulator’s strategy of consolidating the five troubled banks into a single state-owned entity with explicit government backing — rather than triggering a chaotic liquidation that could have wiped out depositors and destabilised the broader financial system.

💰 For the broader economy, several implications flow from this resolution:

• 存款信心: 政府对困境银行的支持维护了系统性信任
• 银行业清理: 巨型合并将有毒资产从私人银行中清除
• 信贷流动: 一旦稳定，Sammilito银行即可恢复生产性贷款
• 财政成本: 政府注资2万亿塔卡的举措体现了重大的财政承诺

然而，该银行仍面临86%的非执行贷款率和1.5万亿塔卡的资本缺口等巨大挑战。欠款借款人的追偿、坏账重组以及逐步资本重组将是一个需要持续政治和监管承诺的多年过程。

就目前而言，提前取款数据表明，眼前的危机已得到控制。随着5千亿塔卡资金已转入组成银行，且还有5千亿塔卡的缓冲资金可用，Sammilito伊斯兰银行似乎有能力应对取款潮，而不会引发新的不稳定局面——这是孟加拉国迄今为止最雄心勃勃的银行业救助行动中一个至关重要的里程碑。