Professional Documents
Culture Documents
Prepared for:
Palash Saha
Course Instructor
Prepared by:
ID: 1787
Parvej Chowdhury
ID: 1805
Diponkar Bhowmik
ID: 1806
ID: 1808
23rd Batch
Jahangirnagar University
Date of Submission : December 6, 2016
Executive Summary
The purpose of this report was to analyze the current position of agent banking in Bangladesh
and its upcoming growing opportunities in near future. In this report we have tried to find out the
problems are faced by the customers and the agents. We have also tried to find out the probable
solutions they are expecting from the concerned authorities to make the agent banking as an
effective one for them. Almost nine banks are in operations of agent banking still now. Among
them, Bank Asia & DBBL are in the top position in respect of number of agents, sub-agents,
customers.
To find out the opportunity and problems we visited many places outside Dhaka city such as
Madaripur, Manikgong, Dhamrai, Aushulia, Kaundiya, Singair, and so many places for survey.
We have surveyed more than one hundred customers, more than 20 agents as well as bank
officers. While conducting the survey, we found that mass people are appreciating the initiatives
of agent banking as its creating an opportunity to introduce the lower income group people with
banking transaction. But at the same time they have some recommendations such as including
utility bills, cash out of check, increasing the transaction limit, receiving check from the agent
point within a short period of time. Besides that at the time of survey, we also came to know that
people still now cant trust agent Banking due to some fraudulent activity of some NGO &
financial institutions. On the other hand most people of rural area havent sound knowledge
about agent banking due to lack of promotional activities of the banks. If it can be believed to the
mass people that agent banking is an integral part of mainstream banking and their most
expected facilities can be added, agent banking can occupy a greater market in near future.
ACKNOWLEDGEMENT
We would like to express our profound gratitude and deep regards to our honorable faculty
member Palash Saha for his exemplary guidance, monitoring and continuous encouragement
throughout the report.
We would also like to thank ..officer of Bank Asia. Besides that we would take
the opportunity to express a deep sense of gratitude to the Bank Asia agent of Kaundiya, Amtala
Bazar, Singair, Shahril, and DBBL agent of Vadail, Dhulivita, Islampur, Shekhpur, Shibchar, for
their cordial support, valuable information which helped us in completing the report. And last but
not the least, we are very grateful to those customers who gave us their valuable time while
conducting the survey.