Bank Restructuring & Resolution Unit   

Name & Designation	Email	Telephone	Fax
Dr. Md. Kabir AhmedDeputy Governor	kabir.ahmed@bb.org.bd	880-2- 9530412(O)	--
Md. Rafiqul IslamExecutive Director	rafiqul.islam@bb.org.bd	88-02-9530428(O)	--
Mohammad Zahir HussainDirector (FEOD)	zahir.hossain@bb.org.bd	88-02-9530127(O)	--
Md. Asaduzzaman KhanDirector (BRRU)	asaduzzaman.khan@bb.org.bd	--(O)	--

Overview
Amid rising non-performing loans (NPLs), tightening liquidity conditions, and governance challenges impacting public confidence in the banking system, the necessity for comprehensive reforms in the sector became increasingly apparent. Responding to this context, the Honorable Governor of Bangladesh Bank initiated the formation of a dedicated task force comprised of sector specialists formally announced on 11 September 2024 as the Banking Sector Reform Task Force (BSR-TF).
The BSR-TF was mandated to assess evolving risks within the banking sector, facilitate the restructuring and stabilization of vulnerable banks, propose essential legal and institutional reforms, and develop frameworks to strengthen governance, enhance transparency, and bolster the overall resilience of the financial system.
To operationalize the directives of the BSR-TF, selected officials of Bangladesh Bank were assigned to the Secretary’s Department to perform the duties of the BSR-TF, with Deputy Governor Dr. Md. Kabir Ahmed as the coordinator as directed in Human Resources Department-1 (HRD-1) Staff Order No. HRD-1:478/2024 dated 01.10.2024. This team undertook the preliminary responsibilities related to the task force’s functions under the Secretary’s Department.
Subsequently, to strengthen and streamline the reform efforts, a dedicated unit titled the Bank Restructuring & Resolution Unit (BRRU) was established under Administrative Circular No. 12 dated 04 March 2025. Officials previously attached to the Secretary’s Department for BSR-TF-related activities were formally transferred to the BRRU, which now functions as the principal executing body in support of banking sector reform and resolution initiatives.

Major Functions

• Implementing of the Bank Resolution Ordinance, 2025 to ensure a structured and legally sound resolution framework.
• Create standardized resolution procedures and update guidelines to streamline the bank resolution process, ensuring consistent and efficient practices.
• Establish contingency measures for banking sector crises, identifying contagion risks and strategies to mitigate systemic impacts.
• Execution of simulation exercises to formulate optimal resolution strategies, including recapitalization, asset and liability transfers, Purchase & Assumption, mergers, acquisitions, bail-ins, restructuring, or liquidation, based on banks' financial health, capital gaps, and funding requirements.
• Conduct transparent, fair, and independent reviews of resolution cases to uphold public confidence and maintain fairness.
• Recommend policy options such as recapitalization, mergers, or liquidation for managing distressed banks effectively.
• Establishment of the Bank Resolution Fund and development of its governance framework to support resolution activities effectively.
• Supervision of ongoing and upcoming AQR activities to assess asset quality and inform resolution strategies.
• Act as the liaison with IFIs, integrating international best practices and mobilizing external technical expertise for bank resolution.
• Implement corrective measures for banks under PCA stages 1-4, ensuring rapid intervention to stabilize financial conditions.
• Address governance and systemic risk issues within banks, advising on reforms to improve governance and risk management frameworks.
• Oversee the restructuring, resolution, and liquidation processes, ensuring alignment with established policies and guidelines.
• Capacity building and develop expertise in bank restructuring and resolution, focusing on resolution strategies, practical applications, and relevant legal frameworks.