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History of Agent Banking:

Agent Banking has been adopted and implemented with varying degrees of success by a number of developing countries. Brazil is often recognized as a global pioneer in this area since it was an early adopter of the model and over the years has developed a mature network of Agent banks covering more than 99% of the country’s municipalities. Other countries have followed suit, including Mexico, Peru, Colombia, Ecuador, Venezuela, Argentina, Bolivia, Pakistan, Philippines, Kenya, South Africa, Uganda and India



Eligibility of Agent:

*Any Business entity having trade licenses.MFI’s regulated by Microcredit Regulatory Authority (MRA) of Bangladesh;
NGOs registered with Social Welfare Directorate;

*Societies registered under the Societies Registration Act, 1860;Cooperative Societies formed and controlled/supervised under Cooperative Society Act,
2001;Government offices having branch/unit offices;Courier and Mailing Service Companies registered under Ministry of Posts & Telecommunications;Companies registered under The Companies Act,
1994;Agents of Mobile network operators;
Agents of Insurance companies;Local government institutions;

Criteria to become a Bank Agent

*Individual having trade license/Firm to be Bangladeshi National/Origin.

*Proposed Agent would have any business experience (minimum 1 year).

*Proposed Agent would be educated having a minimum qualification S.S.C or equivalent to understand the rules and regulation of financial services.

*Applicant’s age limit would be 18-65 years.

*Agent need to propose one/multiple prospective locations for Agent Banking Outlet(s).

*Applicant would be local resident of the proposed area (preferred).The person/firm would be financially sound and solvent.

*Applicant would have own/rented business premise.

*Proposed Agent should not be a loan defaulter/Bankrupt with any bank/financial institution and not penalized by any civil or criminal court.

*Not engaged with any subversive activities.

*Not having other bank’s agent banking licenses.

*Proposed Agent should have knowledge and ability to handle Technology based financial services.Person should have ability to meet commitment under adverse situation.

*Capacity to manage cash handling in Agent Banking Outlet.

*No Bank related person should be appointed as Agent, as defined in section 26GA of the Bank-Company Act,

*Bank officials will not be eligible to become an Agent within 1 (one) year of his/her retirement or resignation.

Agent Acquisition Process:

*1st Step:Agent will propose convenient bazar(s)/location(s) for agent banking. (Having any business entity in the proposed location(s) would be preferred.

Agent may propose for SME Unit Office(s) or standalone location(s).

*2nd Step:Agent Banking Team will collect agent proposes location feasibility/survey report to understand agent banking business prospect.Communicate with agent for further discussion on investment and required documents.

*3rd Step:Agent needs to arrange premises for AB Outlet as per bank requirements. 

Owned/rented. 
Ground floor or 1st floor. 
Brick building. 
Premises size 150 sqft. – 800 Sqft. (Category A: 800 Sqft. B: 300 Sqft. & C: 150 Sqft.). 

Toilet arrangement is must.

-Agent needs to recruit 2 resources (1 male & 1 female preferred).

-Bank will provide necessary training to the agent resources to run the agent banking outlet.

-4th Step:Issue Agent Appointment letter.Arrange foundation training for Agent and Agent staffs (Agent Field Officer).

-5th Step:Prepare Outlet (Branding, Furniture and IT Equipment)
-Operation Go Live

এজেন্ট ব্যাংকিং নিয়ে আমার মতামত ভাল লাগলে অবশ্যই আমার চ্যানেল সাবস্ক্রাইব করবেন। পাশাপাশি শেয়ার করলে আমাদের অন্য যে সকল এজেন্ট ভাই আছে ওনারাও উপকৃত হবেন। কারো কোন মতাম্পত থাকলে অবশ্যই কমেন্ট করে জানাবেন। কেউ যদি এজেন্ট ব্যাংকিং এর অন্য কোন বিষয় নিয়ে জানতে চান তাহলে কমেন্ট করে জানাবেন। আমি আমার সাধ্যমত চেষ্টা করব।


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