Al-Arafah Islami Bank Ltd.

Shari'ah Based Modern Banking

Welcome to Al Arafah Islami Bank Limited, the epitome of Shariah-compliant banking in Bangladesh. Established in 1995, we have embarked on a journey guided by the principles of Al-Qur’an and Sunnah. 

Our mission is not just to provide financial services but to achieve the satisfaction of Almighty Allah both in this world and the hereafter.

Al Arafah Islami Bank Ltd



Al Arafah Islami Bank Ltd, established in 1995, is a financial institution that provides services guided by Islamic principles. Renowned Islamic scholars and pious business people sponsor this private limited company in Bangladesh. As of December 31, 2021, the bank’s financial status reflects significant growth and a commitment to its indigenous shareholders.

Financial Strength

Al Arafah Islami Bank Ltd boasts an authorized capital of Tk. 15,000.00 million, with a paid-up capital of Tk. 10,649.02 million, entirely owned by indigenous shareholders.

Operational Excellence

With an equity of Tk. 2,348.32 crore as of December 31, 2018, and a dedicated workforce of 4,247 employees as of December 31, 2021, the bank has consistently delivered profits and declared dividends over the years. Additionally, it counts 19,146 shareholders as of the same date, demonstrating its enduring appeal to the financial community.

Vision: To be a pioneer in Islamic Banking in Bangladesh and contribute significantly to the growth of the national economy.

Mission: Our mission is driven by our commitment to achieving the satisfaction of Almighty Allah in this world and the hereafter. It encompasses various core objectives, including:

1. Proliferating Shariah-Based Banking Practices:

We are dedicated to promoting ethical and Shariah-compliant banking practices, ensuring financial transactions align with Islamic principles and values.

2. Delivering High-Quality Financial Services:

We employ cutting-edge technology to deliver top-notch financial services, focusing on efficiency, security, and customer satisfaction.

3. Providing Fast and Efficient Customer Service:

Our commitment to fast and efficient customer service ensures seamless experiences for our clients, fostering trust and reliability.

4. Upholding High Business Ethics:

We maintain the highest standards of business ethics, fostering a culture of integrity, transparency, and trustworthiness.

5. Ensuring Balanced Growth:

Our approach emphasizes balanced growth, considering economic, social, and environmental factors to create sustainable value.

6. Offering Competitive Returns to Shareholders:

We prioritize delivering competitive returns to our shareholders, recognizing their trust and investment in our institution.

7. Providing Innovative Banking Solutions:

We offer innovative banking solutions at competitive prices, staying ahead of market trends to meet evolving customer needs.

8. Attracting and Retaining Quality Human Resources:

We focus on attracting, nurturing, and retaining high-quality human resources, fostering a skilled and dedicated workforce.

9. Extending Competitive Compensation Packages:

We offer competitive compensation packages to our employees, recognizing and rewarding their contributions to our institution’s success.

10. Demonstrating Firm Commitment to National Economic Growth:

Our unwavering commitment to national economic growth drives our efforts to support and contribute meaningfully to the economic development of Bangladesh.

11. Increased Involvement in Micro and SME Financing:

We actively engage in Micro and Small and Medium-sized Enterprise (SME) financing, empowering local businesses and entrepreneurs for economic progress.

    • Customer-Centric Approach: AIBL is a customer-focused modern Islamic bank committed to achieving sound and steady growth in both deposit mobilization and quality investment.

    • Extensive Branch Network: We deliver financial services with the touch of our heart to retail, small and medium-scale enterprises, as well as corporate clients through our 211 branches across the country.

    • Adaptable Business Initiatives: Our business initiatives are designed to match the changing trade and industrial needs of our clients.

At AIBL, we believe that Islam provides a complete lifestyle. Our journey, which began in 1995, is based on the principles of Al-Qur’an and the lifestyle of Hazrat Muhammad (Sm.). Our bank is guided by a group of dedicated and pious personalities, including noted Islamic scholar Mr. A.Z.M Shamsul Alam, who serves as our founder chairman. 

With 211 branches and a total of 4,247 employees, we continue to be a modern and leading bank in Bangladesh.

Our Services

At Al Arafah Islami Bank, we offer a wide range of deposit and investment products, including:

Product Name Learn More
Al-Arafah Monthly Hajj Deposit (MHD) Learn More
Al-Arafah Termed Hajj Deposit (THD) Learn More
Mudaraba Denmohor Deposit Scheme Learn More
Mudaraba Shadhin Term Deposit Learn More
Mudaraba Education Savings Scheme Learn More
Cash Waqf Deposit Scheme (Term & Installment) (CWD) Learn More
Farmer & Freedom Fighters Account Learn More
Al Wadiah Current Deposit (CD) Learn More
Locker Account Learn More
Monthly Installment Based Marriage Savings Investment Scheme (MIS) Learn More
Monthly Installment Based Term Deposit (ITD) Learn More
Monthly Profit Based Term Deposit (PTD) Learn More
Mudaraba (Special) Pension Deposit Scheme (MSPDS) Learn More
Mudaraba Ahsan Deposit Scheme Learn More
Mudaraba Ahsan Plus Deposit Scheme Learn More
Mudaraba Aman Deposit Scheme Learn More
Mudaraba Excellent Benefit Deposit Scheme Learn More
Mudaraba Foreign Currency Deposit AC Learn More
Mudaraba Probashi Kallyan Deposit Pension Scheme (MPDPS) Learn More
Mudaraba Saving Ac- Garments Workers Learn More
Mudaraba Savings Deposit (MSD) Learn More
Mudaraba Short Notice Deposit (MSND) Learn More
Mudaraba Somriddhi Benefit Deposit Scheme Learn More
Mudaraba Term Deposit (MTDR) Learn More
Pension Deposit Scheme (PDS) Learn More
School Student (Minor) Mudaraba Saving Account Learn More
Investment Product Learn More
Bai Istisna Learn More
Bai Muajjal Learn More
Bai Murabaha Learn More
Bai Murabaha TR Learn More
Bai Salam Learn More
Bai-Murabaha Post Import (MPI) Learn More
Foreign Bill Purchase Learn More
Hire Purchase Under Shirkatul Meilk Learn More
Mudaraba Learn More
Musharaka Learn More
Quard against Inland Bill Purchase Learn More
Special investment schemes Learn More

Al-Arafah Islami Bank has a vast network of branches across Bangladesh. To find an AIBL branch near you, you can visit the AIBL website.

CMSME Banking:

Our Micro, Small & Medium Enterprise (MSME) services play a crucial role in the economic growth and development of Bangladesh. We offer various schemes to support job creation, income generation, and industrial development.

Foreign Trade:

Our international banking services, including Letters of Credit, Import and Export Financing, Remittance Services, and more, make us a prominent player in international trade activities.

Treasury Services:

AIBL Treasury manages foreign exchange, money market, fixed income, and asset liability management to ensure optimal fund positioning and regulatory compliance.


Explore our range of Islamic credit cards, including La-Riba Platinum, Gold, and Silver cards, MasterCard Debit Card, Instant Card, and more, designed to meet your financial needs.

For more information about our services and how we can assist you in achieving your financial goals, please contact us at +88-02-44850032 or via email at [email protected]. We are here to serve you with the highest standards of Islamic banking.