International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Risk Management in Bangladesh’s Islamic Banking: A Decade of Growth, Challenges, and Structural Vulnerabilities (2010–2023)

Author(s) Mr. Md. Zahidur Rahman, Mr. Jubayer Ahmed, Mr. Nafees Ahmed
Country Bangladesh
Abstract This study examines the evolution and effectiveness of risk management frameworks in Islamic banking in Bangladesh from 2010 to 2023. Drawing exclusively on secondary data, including Bangladesh Bank reports, Fitch Ratings analyses, and authoritative industry publications, the study rigorously investigates deposit growth, liquidity coverage, excess liquidity, investment–deposit ratios, and market share as empirical proxies for systemic risk. The findings demonstrate that, despite notable expansion in deposits and assets, Islamic banks in Bangladesh are increasingly vulnerable due to persistent structural challenges in liquidity management, deposit mobilization, and regulatory adaptation. Critical weaknesses are identified in sharply declining liquidity coverage ratios (LCR), diminishing excess liquidity, and decelerating deposit growth compared to asset accumulation. The analysis further reveals that governance constraints, deficits in specialized human capital, and the limited availability of Shariah-compliant financial instruments undermine effective risk mitigation. To address these issues, the study recommends specific policy interventions: strengthening regulatory frameworks tailored to Islamic finance, advancing Shariah governance standards, and fostering the development of robust Shariah-compliant liquidity instruments to enhance systemic resilience. This research contributes to the academic literature by providing a longitudinal assessment of risk management in Islamic banking within the dynamic context of the Bangladeshi financial sector.
Keywords Islami banking; risk management; liquidity coverage ratio; deposit growth; Bangladesh; Islamic finance
Field Business Administration
Published In Volume 8, Issue 2, March-April 2026
Published On 2026-03-03
DOI https://doi.org/10.36948/ijfmr.2026.v08i02.70287
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