The loan-to-deposit ratio (LDR) in agent banking surged to 70.44 percent in the October-December quarter of 2025, indicating a year-on-year increase driven by a gradual rise in credit disbursements in rural areas.

Bangladesh’s agent banking network is continuing to play a transformative role in the country’s financial system, especially through the channelling of remittances through agent outlets.

Loan disbursement increased a massive 56%

Women now account for 49.67 percent of the total deposits made through agent banks

Agents disbursed Tk 16,482.5 crore loans as of March this year, up from Tk 11,667 crore in March last year

The number of women in Bangladesh with bank accounts opened via agent banking far exceeds that of men as the facility offers better accessibility and guidance for various banking services, making it particularly suitable for those living in rural areas.

Bangladesh Bank data finds