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Prepared by: Mohammad Rafiqul Islam Shikder. Printable Blank Map of Bangladesh – Outline, Transparent map.
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WHY AGNET BANKING. 2. Agent Banking Branch Banking Almost 0 cost as the agent is responsible for all operational cost High Operation Cost Low deposit cost High Deposit cost More agent booth more baking area coverage and more branding Less banking area coverage As there is no big corporate customer so the risk is less Profit depends on the few corporate customers and if any corporate customer become defaulter the whole branch profit fall in risk.
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Integrated Banking System. 3. Bangladesh Bank (NPSB, RTGS,EFTN).
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(figure in Crore ) Period No. of Agents No. of Outlets No. of Accounts Deposit Advance Remittance Oct-Dec, 2016 1,646 2,601 544,536 380 - 309 Oct-Dec, 2017 2,577 4,157 1,214,367 1,399.38 108 1,982 Oct-Dec, 2018 4,493 6,933 2,456,982 3,112.40 189.84 5,557.42 Oct-Dec, 2019 7,856 11,320 5,268,496 7,517.16 446.00 15,534.31 Oct-Dec, 2020 11,925 15,977 9,643,163 15,977.26 1,893.16 48,806.34 Jul-Sep, 2021 13,470 18,077 1,29,11,541 22,261.56 3,997.57 74,825.86.
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1. Liability Business.. 2. Account Opening (Savings, Current, SND, TDS/FDR, DPS, Mudaraba Hajj, Cash Waqf etc.).
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13. Utility Bill Collection (Electric bill, Water bill, Gas bill etc.).
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Commercial Bank (27 Banks are in operation, 05 Banks are waiting for Bangladesh Bank Approval)..
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NATIOWIDE BANKING MODEL. 8. Agent. Branch. Stipend Disbursement.
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All Transactions are Real-Time.. All Transactions are authenticated by Bio - Authentication (fingerprint) of Customers and Agent..
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)tuea Jue5v uewc»snO. AGNET BANKING OPERATION MODEL.
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AGNET BANKING OPERATION MODEL. 11.
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360 DEGREE CYBER SECURITY. 12. Firewall EXTERNAL THREAT Multi Factor Authentication ACCESS AUTHETICATION End Point Security INSIDE THREAT File Encryption USB Access Control AFTER STOLEN PROTECHTION.
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SQL Injection Protection Session highjack protection Auto account lock in case of Brute Force attack SSL encryption for web communication End to end AES encryption for API data communication 2 factor authentication for WAP and APP transaction Geo location block for APP Single device access for APP.
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STABLE DEPLOYMENT. 14.
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AGENT BANKING BUSINESS MODEL. 15. rms. Accounting Procedure.
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16. AGENT BANKING BUSINESS MODEL. Bank Asia Bank Asia is implementing the DFS based micro-merchant payment service Unilever Bangladesh Unilever is helping identifying potential micro-merchants. Micro-merchants Micro-merchants are the key players who are using the DFS payment service Customers Customers are using their Bio-matric/NFC enabled cards or Bank A/C number only to transfer payment to micro-merchants.
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Agent Banking Division. Branch. 17. AGENT BANKING BUSINESS MODEL.