BRPD-1 Circular Letter No. 16: Policy Support for Restructuring the Business and Financial Condition of Affected Borrowers

Bangladesh Bank
Head Office
Motijheel, Dhaka-1000
Bangladesh.
Ref: Department of Banking Regulation and Policy-1 07 May 2026 BRPD-1 Circular Letter No. 16 Date: ------------------ 24 Bangabda 1433 Managing Director / Chief Executive Officer All Scheduled Banks operating in Bangladesh Dear Sir, With reference to the subject matter, you are invited to the attention of BRPD Circular No. 07, dated 16 September 2025 and BRPD Circular Letter No. 26, dated 24 November 2025, regarding the provision of policy support for restructuring the business and financial condition of affected borrowers.

2. In order to ensure the proper implementation of the policy regarding the provision of policy support for restructuring the business and financial condition of affected borrowers, the following instructions are given:

a) New applications may be submitted to the concerned banks for receiving policy support under BRPD Circular No. 07/2025 until 30 June 2026. However, applications of borrowers who have previously received policy support under the said Circular or from the "Policy Support Related Selection Committee formed for the purpose of restructuring business and financial conditions" will not be considered;

b) Special restructuring benefits will be provided to unclassified (NPA-0, 1, 2, NPA) loans until 30 June 2026, and special rescheduling benefits will be provided to classified loans (Sub-standard, Doubtful, Bad/Loss) until 31 March 2026, in accordance with the instructions mentioned in the said Circular;

c) The bank must decide on new applications received under this Circular within 03 (three) months from the date of receipt. If the required down payment check or any other instrument for policy support is provided, the count of the said 03 (three) months shall be calculated from the date of encashment. However, the application for policy support cannot be processed before the encashment of the down payment, as the authority lies with the bank;

d) Clause 3.4(c) of BRPD Circular Letter No. 26/2025 is hereby replaced with the following:

"Special exit facility loans (NPA) must be shown as such, and accordingly, adequate General Provision (General Provision) must be maintained against the loan. In addition, the previously maintained Specific Provision (Specific Provision) against the exit facility loan cannot be transferred to the bank's income account except for actual recovery. However, a part of it may be transferred for the purpose of maintaining General Provision. It is noted that until the full repayment of the loan, no new credit facility other than the existing credit facility from the concerned bank may be provided to the institution receiving this facility in its favor.";

e) The instructions mentioned in Clause 4(e) of BRPD Circular No. 07/2025 are hereby repealed; and

f) The aforementioned Circular and other instructions issued in its sequel shall remain unchanged.

3. These instructions are issued under the powers conferred by Section 49(1)(c) of the Companies Act, 1991, and shall take immediate effect.

Yours faithfully,
(Gazi Md. Mahfuzul Islam)
Director (BRPD-1)
Phone: 9530252