WHAT IS AGENT BANKING?
Agent banking is a limited scale banking and financial service for those living in remote areas across the country through engaging the Agents under a valid agency agreement, rather than a teller or cashier, according to Bangladesh Bank agent banking guideline. Agents/Sub-agents will be the owner of an outlet who conducts Banking Transactions on behalf of a Bank. The agent banking option offers a new and convenient channel through which banks can extend services to unbanked and underserved population of the country for financial inclusion as well as cost minimization.
WHY AGENT BANKING IS A WIN-WIN FOR ALL:
Agent banking has been able to get such popularity mainly for its simplicity to the clients and cost-effectiveness for the banks. According to a research paper titled, “Alternative delivery channel: Opportunities and challenges of the new banking environment” by Bangladesh Institute of Bank Management (BIBM), agent banking has become popular because of its benefits for both the banks and clients, while the country’s economy is also being benefited through financial inclusion.
In emerging markets and rural areas, traditional banks have a hard time reaching customers. Opening and operating traditional bank branches is often not cost-effective. Operating a bank branch entails having at least one teller at the front desk, a bank manager, bank employees specializing in e.g., mortgages and loans, and security.
Bangladesh is a massively peopled country located in South Asia which is bordered by India, Burma and Bay of Bengal. According to most recent statistics and data, Bangladesh is the eight-most populous country in the world and the population is much more than 160 million people. Majority of these people lives in rural areas and agricultural work is their main source of living. According to Bangladesh Bureau of statistics (BBS), the per capita income of Bangladesh has reached to USD 2,554.00 in fiscal 2020-21. Through adapting the newer form of banking services such as online banking and mobile banking, Bangladeshi banks already took progressive steps towards modern banking attributes. But, in order to serve the large unbanked mainly rural people, who are deficient of appropriate education, access to internet and branch banking service, the agent banking is the appropriate solution for them. The way latest technologies and services are invented and implemented every day to serve the bank customers, it is the high time to adopt and disseminate the agent banking method among rural and remote places in Bangladesh in order to bring in more customers and provide them excellent support with minimum fuss. In this way, agent banking can be a prime solution to serve the large unbanked rural people I Bangladesh and they can be benefitted by obtaining a personalized bank account, secure money transfers and a complete financial solution. It will also help to grow the Banking industry if Bangladesh in more positive and progressive way
GIB AGENT BANKING VISSION:
- To be the standout brand ambassador of GIB through Agent Banking services in the market through excellence and conformity with highest stature of ethical and moral practices with integrity.
GIB AGENT BANKING MISSION:
- Build confidence and faith through service excellence.
- Create and uphold social awareness with ethical practices with transparency.
- Become integral part in the banking/financial sector through betterment of value creation.
- Make a mark and put a footprint of impartial excellence in providence through enlightenment of satisfactory service standards by reaching the furthest corner of Bangladesh.
HISTORY OF AGENT BANKING:
Success Story of Brazil:
Agent Banking has worked wonders in several developing countries in different parts of the world like Brazil, Columbia, Peru, Malaysia, Kenya etc. Agent banking has been revolutionary inclusion in the financial system of Brazil.
In the early 2000’s about a quarter of Brazil lacked access to formal financial services which has been mitigated to a great extent after introduction of this mechanism. As reported by the Banco Central do Brasil, the central bank of Brazil, since the introduction of agent banking 12 million current accounts were opened across the agency banking network within only three years and the total amount of transaction reached USD 2.6 billion reflecting the necessity of such service.
Success Story of Columbia and Peru:
Columbia and Peru also turned to the mechanism. Although in Columbia the bank branches covered 73 percent of the municipality, the agent banking helped raise the coverage of nearly 100 percent.
In 2009 the total numbers of transactions in Peru and Columbia were USD 67 million and USD 29 million respectively which were quite big compared to the size of their respective economy.
Agent banking in all three countries has been most successful in easing payments made by different households such as utility bills, taxes etc. As data suggest, such payments account for more than 70 percent of the total transaction in remote areas.
Success Story of Malaysia and Kenya:
Malaysia implemented agent banking under the guide lines of the Bank Negara Malaysia, in early 2012. By the end of 2012, 4120 agents deployed and it crossed 5,000 agents by 2014.
The rate of financial inclusion in the sub-district of Mukims in Malaysia was less than 50 percent before the introduction of agent banking b, but now this rate has increased up to 75 percent.
Agent banking was first implemented in Kenya in 2010, when 32 percent of their total population lacked access to financial services. After launching agent banking, 10,000 agents have been licensed to supplements. Within 2011, the total transactions in terms of value rose to USD 24 million and the financial exclusion was reduced significantly.
AGENT BANKING IN BANGLADESH
Bangladesh Bank has introduced agent banking in the country through issuing a guideline in 2013. The main purpose is to provide a safe alternate delivery channel of banking services to the under-privileged, under-served population who generally live in geographically remote location that are beyond the reach of the traditional banking networks. Banks can deliver a variety of banking services including savings, loans, remittances, and various payment services (such as utility bills, taxes, government transfer benefits) to the customers through an agent. This model is thus, gaining popularity as a cost-effective delivery channel as well as a convenient way of providing banking services going proximate to the mass people who would otherwise have remained unbanked due to distant location. With a view to facilitating full-fledge agent banking, Bangladesh Bank has issued a comprehensive Prudential Guidelines for Agent banking Operation in Bangladesh in 2017, covering approval process, permissible activities, responsibilities of both banks and agents, AML/CFT requirements, supervision and monitoring mechanism, customer protection mechanism, business continuity plan etc.
Table 1: Brief Overview of Agent Activities
Deposit, loan and remittance are in BDT lacs
|
June 2020 |
March 2021 |
June 2021 |
Change | ||
| Y-to-Y | Q-to-Q | ||||
| No. of Banks with License | 28 | 28 | 28 | 0 | 0 |
| No. of Banks in Agent Banking | 23 | 27 | 28 | 5 | 1 |
| No. of Agents | 8,764 | 12,345 | 12,912 | 47.33% | 4.59% |
| No. of Outlets | 12,449 | 16,421 | 17,145 | 37.72% | 4.41% |
| No. of Accounts | 73,58,190 | 1,10,22,646 | 1,22,05,358 | 65.87% | 10.73% |
| No. of Female Accounts | 34,10,270 | 50,74,739 | 56,75,329 | 66.42% | 11.83% |
| Number of Rural Accounts | 63,77,457 | 95,57,403 | 1,05,39,163 | 65.26% | 10.27% |
| Amount of Deposits | 10,22,021.00 | 17,82,238.58 | 20,37,928.34 | 99.40% | 14.35% |
| Amount of Loan Disbursed | 72,054.00 | 2,50,100.51 | 3,18,628.60 | 342.21% | 27.40% |
| Amount of Inward Remittance | 26,65,059.00 | 58,39,909.49 | 67,95,404.46 | 154.98% | 154.98% |
Appendix-1: Bank-wise Number of Agents and Outlets
| No. of Agents | No. of Outlets | ||||||
| Sl No. | Bank Name | Urban | Rural | Total | Urban | Rural | Total |
| 1 | Bank Asia Limited | 358 | 4180 | 4538 | 395 | 4272 | 4667 |
| 2 | NRB Commercial Bank Limited | 24 | 557 | 581 | 32 | 562 | 594 |
| 3 | Dutch-Bangla Bank Limited | 484 | 429 | 913 | 824 | 3797 | 4621 |
| 4 | Al-Arafah Islami Bank Limited | 52 | 293 | 345 | 51 | 461 | 512 |
| 5 | Modhumoti Bank Limited | 0 | 421 | 421 | 0 | 421 | 421 |
| 6 | Social Islami Bank Limited | 10 | 157 | 167 | 11 | 167 | 178 |
| 7 | Standard Bank Limited | 2 | 24 | 26 | 2 | 24 | 26 |
| 8 | First Security Islami Bank Limited | 0 | 58 | 58 | 0 | 58 | 58 |
| 9 | Agrani Bank Limited | 26 | 374 | 400 | 26 | 374 | 400 |
| 10 | Mutual Trust Bank Limited | 50 | 124 | 174 | 50 | 135 | 185 |
| 11 | Midland Bank Limited | 19 | 47 | 66 | 16 | 64 | 80 |
| 12 | United Commercial Bank Limited | 32 | 153 | 185 | 32 | 153 | 185 |
| 13 | The City Bank Limited | 271 | 1007 | 1278 | 278 | 1018 | 1296 |
| 14 | AB Bank Limited | 39 | 85 | 124 | 49 | 102 | 151 |
| 15 | Islami Bank Bangladesh Limited | 146 | 2265 | 2411 | 146 | 2265 | 2411 |
| 16 | The Premier Bank Limited | 16 | 21 | 37 | 40 | 60 | 100 |
| 17 | NRB Bank Limited | 3 | 315 | 318 | 3 | 317 | 320 |
| 18 | BRAC Bank Limited | 132 | 361 | 493 | 129 | 423 | 552 |
| 19 | Eastern Bank Limited | 6 | 22 | 28 | 6 | 23 | 29 |
| 20 | One Bank Limited | 43 | 56 | 99 | 44 | 58 | 102 |
| 21 | Mercantile Bank Limited | 25 | 86 | 111 | 25 | 86 | 111 |
| 22 | Shahjalal Islami Bank Limited | 24 | 45 | 69 | 24 | 45 | 69 |
| 23 | Exim Bank Limited | 3 | 9 | 12 | 4 | 9 | 13 |
| 24 | Padma Bank Limited | 1 | 0 | 1 | 4 | 3 | 7 |
| 25 | Jamuna Bank Limited | 2 | 8 | 10 | 2 | 8 | 10 |
| 26 | Prime Bank Limited | 4 | 38 | 42 | 4 | 38 | 42 |
| 27 | Global Islami Bank Limited | 2 | 1 | 3 | 2 | 1 | 3 |
| 28 | Meghna Bank Limited | 0 | 2 | 2 | 0 | 2 | 2 |
| Total | 1709 | 11138 | 12912 | 2199 | 14946 | 17145 | |
LAUNCHING OF GIB AGENT BANKING:
With the vision of portraying ourselves among the leading and a premier financial institution in the country, GIB Agent Banking launched Agent Banking Operation on 07 February,2O21, with two Master Agents in Dhaka City at Hazaribag and Banasree.
SERVICES OF AGENT BANKING:
- A/C Opening
- Cash Deposit / Withdrawal
- Fund Transfer (Internal)
- BEFTN & RTGS
- Inward Foreign Remittance
- Utility Bill Collection
- Debit Card & Cheque book Request & Delivery
- Payroll Management
- SMS Banking & Internet Banking
- Receiving Clearing Cheque
- Loan Processing & Loan Recovery
- Processing of Credit Card Facility
- Generation of Mini Bank Statement
- Any other activity as Bangladesh Bank may prescribe from time to time.
PRODUCTS LIST
Types of Account:
- GIB Al Wadeeeah Current Account
- GIB Mudaraba Salary Savings Account
- GIB Mudaraba Savings Account(MSA)
- GIB Mudaraba Savings Account(Staff)
- GIB Mudaraba Freshers Savings Account
- GIB Mudaraba Perfect Savings Account
- GIB Mudaraba Farmers Savings Account
- GIB Mudaraba Queen Savings Account
- GIB Mudaraba Short Notice Deposit
- GIB Mudaraba Junior Savings Account
- GIB Mudaraba Swadesh Savings Account
- New Customer Joint Account Opening
- New Corporate Account Opening
Deposit Products:
- GIB Mudaraba Monthly Profit Deposit-06 months
- GIB Mudaraba Monthly Profit Deposit-12 months
- GIB Mudaraba Monthly Profit Deposit-36 months
- GIB Mudaraba Monthly Profit Deposit-100 days
- Mudaraba Term Deposit 03 months
- Mudaraba Term Deposit 06 months
- Mudaraba Term Deposit 12 months
- Mudaraba Term Deposit 14 months
- Mudaraba Term Deposit 24 months
- Mudaraba Term Deposit 36 months
- GIB Mudaraba Double Benefit Parent
- Mudaraba Term Deposit 01 month
Installment Deposit:
- GIB Mudaraba Lakhpoti Scheme-10Y
- GIB Mudaraba Lakhpoti Scheme-15Y
- GIB Mudaraba Millionaire Sch-03Y
- GIB Mudaraba Millionaire Sch-05Y
- GIB Mudaraba Millionaire Sch-10Y
- GIB Mudaraba Millionaire Sch-15Y
- GIB Mudaraba Lakhpoti Scheme-05Y
- GIB Mudaraba Deposit Pension Sc-03Y
- GIB Mudaraba Deposit Pension Sc-05Y
- GIB Mudaraba Deposit Pension Sc-08Y
- GIB Mudaraba Deposit Pension Sc-10Y
- GIB Mudaraba Kotipoti Scheme-03Y
- GIB Mudaraba Kotipoti Scheme-05Y
- GIB Mudaraba Kotipoti Scheme-10Y
- GIB Mudaraba Kotipoti Scheme-15Y
- GIB Mudaraba Lakhopoti Scheme-03Y
- GIB Mudaraba Hajj Deposit Scheme
Upcoming Products and Services:
- Disbursement of Retail & Microcredit through Agent Banking
AGENT BANKING SCHEDULE OF CHARGES
| Schedule of Charges for Global Islami Bank Agent Banking: For All Agents and Customers |
| Types of Transaction | ||||
| Customer Charge | Fees Sharing | |||
| 1. Cash Deposit | Agent portion | Bank Portion | ||
| 1.1. Cash deposit at own Agent outlet | Nil | N/A | N/A | |
| 1.2. Cash deposit at other Agent outlet | 0.25% (Min Tk. 10 to Max. Tk. 200) | 100% (Acquirer) | – | |
| 1.3. Cash deposit in Agent Banking Account at Branch | Nil | N/A | N/A | |
| 1.4. Cash deposit in Branch Account (CBS) at Agent outlet | 0.15% (Min Tk. 10 to Max. Tk. 200) | 100% | – | |
| 2. Cash Withdrawal | ||||
| 2.1. Cash withdrawal from own Agent outlet | Nil | N/A | N/A | |
| 2.2. Cash withdrawal from other Agent outlet | 0.25% (Min Tk. 10 to Max. Tk. 200) | 100% (Acquirer) | – | |
| 2.3. Cash withdrawal from Branch | Nil | N/A | N/A | |
| 2.4. Cash withdrawal Branch Account (CBS) at Agent outlet | 0.25% (Min Tk. 10 to Max. Tk. 200) | 100% (Acquirer) | – | |
| Cash withdrawal from ATM: | ||||
| 2.4.1. Own ATM | Nil | N/A | N/A | |
| 2.4.2. Q –Cash ATM (Other than GIB) | *Tk. 10 + VAT | – | 100% | |
| 2.4.3. NPSB ATM | *Tk. 15 + VAT | – | 100% | |
| 3. Fund Transfer | ||||
| 3.1. Fund Transfer at own outlet | Nil | N/A | N/A | |
| 3.2 Fund Transfer at other Agent outlet | 0.25% (Min Tk. 10 to Max. Tk. 200) | 100% (Acquirer) | – | |
| 3.3. Fund Transfer from ABS A/C to CBS A/C | 0.25% (Min Tk. 10 to Max. Tk. 200) | 100% (Acquirer) | – | |
| 3.4. Fund Transfer from CBS A/C to ABS A/C | Nil | N/A | N/A | |
| 3.5. Fund Transfer to other Bank Account (RTGS, BEFTN) |
*PER BEFTN Tk.50 & RTGS Tk.150 | *PER BEFTN tk.25 & RTGS Tk.50 | *PER BEFTN tk.25 & RTGS Tk.100 | |
| 4. Utility Bill Commission | ||||
| 4.1. Utility Bill Collection | Nil | N/A | N/A | |
| 5. Account Opening Commission | ||||
| 5.1. Per A/C Opening | Tk. 50 (Per CASA Bank Cost) (Customer Initial Dep. Min Tk. 100) |
100% | – | |
| Types of Transaction | ||||
| Customer Charge | Fees Sharing | |||
| 6. Card (EMV VISA Card) | Agent portion | Bank Portion | ||
| 6.1 ATM Card Yearly Fee | *Tk. 500 + VAT | Tk. 20 Tk. 20 Tk. 10 |
||
| 6.2 ATM Card Replacement Fee | *Tk. 500 + VAT | |||
| 6.3 PIN Re-issuance Fee | *Tk. 100 + VAT | |||
| 7. Account Maintenance Charge (Half Yearly Basis) |
||||
| 7.1 Mudaraba Saving Deposit A/C: | ||||
| a) Balance up to Tk. 5,000/- | – | – | – | |
| Types of Transaction | ||||
| Customer Charge | Fees Sharing | |||
| Agent portion | Bank Portion | |||
| b) Balance up to Tk. 5,001- Tk. 25,000 | *Tk. 100 + VAT | Tk. 50 | Tk. 50 | |
| c) Balance Tk. 25,001 – onwards | *Tk.. 300 + VAT | Tk. 150 | Tk. 150 | |
| 7.2 Al Wadiah Current Deposit & MSND A/C | *Tk. 500 + VAT | Tk. 250 | Tk. 250 | |
| 8. Cheque | ||||
| 8.1 Cheque Book Issuance Fee | As per Bank SOC | Tk. 10 | ||
| 8.2. Issue of new cheque book in case of lost one | As per Bank SOC | Tk. 10 | ||
| 8.3 Clearing Cheque Receive (A/C Payee) | ||||
| 8.3.1 At GIB Branch | – | – | – | |
| 8.3.2 At Agent Outlet | – | – | – | |
| 9. Foreign Remittance | ||||
| 9.1. Foreign Remittance through PIN | 2% (Min Tk. 20 to Max. Tk. 50) | 100% | – | |
| 10. Customer Mobile APPS Initiated Payments | ||||
| 10.1 Fund Transfer | ||||
| 10.1.1 ABS to ABS | – | – | – | |
| 10.1.2 ABS to CBS | – | – | – | |
| 10.2. Balance Enquiry | – | – | – | |
| 10.3. Search Transaction | – | – | – | |
| 10.4. Mobile Recharge | – | – | – | |
| 10.5. Utility Payments | – | – | – | |
| 11. Float Sharing | ||||
| 11.1. Mudaraba Saving Deposit Account (P.A) | As per Bank SOC | 2.5% | ||
| 11.2. Al Wadiah Current Account (P.A) | As per Bank SOC | 2.5% | ||
| 11.3. Al Wadiah (SND) Current Account (P.A) | As per Bank SOC | 2.5% | – | |
| 11.4. MTDR Term Deposit (P.A) | As per Bank SOC | 1% | ||
| 11.5. Mudaraba Deposit Scheme (P.A) | As per Bank SOC | 0.5% | ||
- Charges may vary time to time as per changes made by the concerned Authority/Departments (All Commission amount calculation excluding VAT & AIT. (Islamic Banking)
- Any Profit rate will be determined as per the approved ALCO rate from time to time
- In distributing commission on mobilized deposits which will be paid to the concerned Agent on monthly basis, on the basis of every day calculation (total customer deposit amount of the day * 2.5% /360) of each day’s balance of every account.
- Since we don’t give any profit to customers of Al- Wadiah Current Account, the IBTA earnings will be intact, from where we can allow 2.5% profit to the concerned Agent to encourage them to hunt cost free deposits as well as for their survival.
- Though the MTDR profit rate is high, we propose to share profit on deposited amount * 1%/360 as per the market practice
- Though the MDS profit rate is high, we propose to share profit on deposited amount * 0.5%/360 as per the market practice
- The ATM Card Annual Fee May be revised on the basis of campaign from time to time
The bank reserves the right to assess commission structure with agent, which are not covered by this schedule and to amend without prior notice the terms & conditions or rate stated in this schedule
ELIGIBLE ENTITIES OF BECOMING AGENT OF GIB:
- Sole Proprietor With Valid Trade License
- Partnership Concern Registered Through R.J.S.C
- Companies Registered Under The Companies Act, 1994
- MFIs Regulated By Microcredit Regulatory Authority Of Bangladesh
- NGOs Registered With Social Welfare Directorate
- Societies Registered Under The Societies Registration Act, 1860
- Co-operative Societies Formed And Controlled/Supervised Under The Co-operative Society Act, 2001
- Government Offices Having Branches / Unit Offices
- Courier And Mailing Service Companies Registered Under Ministry Of Posts & Telecommunications
- Agents Of Mobile Network Operators That Fulfils The Eligibility Criteria
- Local Government Institutions
- Union Digital Centre (UDC)
- Agents Of Insurance Companies That Fulfil The Eligibility Criteria
- Any Business Entities Having Trade License From Eligible Authorities
- Any Other Entity Which Bangladesh Bank May Prescribe Or Authorize
REQUIRED DOCUMENTS FOR BECOMING AGENT OF GIB:
- Duly Filled-up Application Form
- Two Passport Size Photos
- Valid Photo ID Card of Applicant (NID / Passport)
- Bank Solvency Certificate
- Bank Statement
- Tin Certificate
- CIB Report
- Proposed Agent Outlet Photographs
LOCATION OF GIB AGENT OUTLETS
| SL. | Division | District | Name, Address & Contact Number of Agent Outlets |
| 1 | Dhaka | Dhaka | Hazaribag Outlet Ahnaf Trading 46/2, Baddanagar lane, Hazaribag, Dhaka-1205. Mobile: +88 01715015817 |
| 2 | Dhaka | Dhaka | Banasree Outlet Amari Holdings Ltd. H-13,3rd floor, Main road, Block-C, Banasree, Rampura, Dhaka-1219. Mobile: +88 01718248464 |
| 3 | Dhaka | Tangail | Dariapur Outlet Saima Enterprise Vill: Ziner Bazar, P.O: Dariyapur, P.S:Shokhipur, Dist:Tangail-1920. Mobile: +88 01794-793261 |
| 4 | Rajshahi | Bogura | Shonatola Outlet Al-Zerin Tours & Travels Baluahat Bazar, Shonatola, Bogura. Mobile:+88 01746-697180 |
| 5 | Chattogram | Feni | Sharshadi Bazar Outlet Pakiza Enterprise Sharshadi Bazar, P.O: Sharshadi P.S: Feni Sadar-3902 Dist: Feni Mobile:+88 01824469103 |
| 6 | Dhaka | Dhaka | Ulon Outlet S. M. Trade 26/3, Ulon Road, Rampura, Hatirjheel, Dhaka 1219. Mobile:+88 01723006364, +88 01727389162 |
| 7 | Dhaka | Tangail | Karatia Bazar Outlet M/S M.R Builders Nothkhola, Karatia, Basail ,Tangail. Mobile:+88 01772982811 |
| 8 | Rajshahi | Chapainawabganj | Chataidubi Hat Outlet M/S Taseen Enterprise Chataidubi Hat, Islampur Union, Chapainawabganj Sadar-6300,Chapainawabganj. Mobile:+88 01756560000 |
| 9 | Rajshahi | Chapainawabganj | Noyagola Hat Outlet M/S Taseen Enterprise Noyagola Hat, Chapainawabganj Sadar- 6300,Chapainawabganj. Mobile:+88 01756560000 |
| 10 | Dhaka | Narayanganj | Kashipur Outlet Rup Mohoni Middle Narsingpur, Kashipur Union, PO: Fatullah- 1400, PS: Fatullah, Dist: Narayanganj. Mobile: :+88 01925632299 |
| 11 | Dhaka | Narsingdi | Brahmondi Outlet Narsingdi Trade Center 92/3, West Brahmondi, Narsingdi Sadar-1602, Narsingdi. Mobile: :+88 01911743646 |
| 12 | Rajshahi | Chapainawabganj | Rehaichor Outlet M/S. Haque Enterprise Ward No: 13, Holding: 467, Rehaichor, Tikrampur, Chapainawabganj Pouroshova, Chapainawabganj. Mobile: :+88 01715913424 |
| 13 | Rajshahi | Pabna | Shibpur Bazar Outlet M/S. Mohammadia Store Ward No: 08, Vill: Shibpur, PO: Debattor-6610, PS: Atgharia, District: Pabna. Mobile: :+88 01715738113 |
| 14 | Rangpur | Dinajpur | Hili Agent Outlet M/S. Khan Motors Ward No: 04, Vill: Basudebpur, PO: Bangla Hili Bazar-5270, PS: Hili, District: Dinajpur. Mobile: :+88 01717726770 |
| 15 | Chattogram | Noakhali | Rahimganj Bazar Agent Outlet. Global Market Ltd. Vill: Ramnarayanpur, Mollica Dighir Par, Ward No: 04, PO: Kollayannogor-3870, PS: Chatkhil, District: Noakhali. Mobile: :+88 01633030105 |
| 16 | Chattogram | Cumilla | Sreemontapur Bazar Agent Outlet. M/S Chowdhury Enterprise Sreemontapur Bazar, Chandina, Cumilla |
| 17 | Dhaka | Dhaka | Uttar Basabo Agent Outlet. Shopping window 110, North Basabo, PS: Sabujbagh, District: Dhaka. Mobile: :+88 01977-701701 |
| 18 | Rajshahi | Sirajganj | Adachaki Agent Outlet M/S Hasan Enterprise High School Road, Vill: Adachaki, PO: Adachaki, Upozila: Belkuchi, District: Sirajganj Mobile: +88 01300-454532 |
| 19 | Rangpur | Dinajpur | Choker Hat Agent Outlet M/S Animal Drug Store & Feed House Choker Hat Bazar, Vill: South Bishnopur, Ward: 07, union: Palashbari, PO: Palashbari-5210, PS: Birol, District: Dinajpur Mobile: +88 01724-628730 |
| 20 | Chattogram | Cox’s Bazar | Garzania Bazar Agent Outlet MO Enterprise Garzania Bazar, Vill: Jangchari, Ward no: 05, PO: Garzania Bazar- 4660, Union: 3 no. Kaccapia, PS: Ramu, Dist: Cox’s Bazar. Mobile: +88 01713-602533 |
CONTACT INFO
Agent Banking Division
Global Islami Bank Limited
Corporate Office (Annexed Building)
Rashid Tower (14th Floor), House No-11,
Road No- 18, Gulshan 1, Dhaka-1212.
Phone: +88 09617176037, Ext-673
Mobile: +88 01955500732, +88 01730325809
Email: info@globalislamibankbd.com
Web: www.globalislamibankbd.com
Call Center: 16671 or (from Overseas: +88) 096100 16671