Loan disbursement through agent banking services in Bangladesh grew by about 46 percent over the past year, according to the latest quarterly report from Bangladesh Bank. As of December 2025, total loans under agent banking stood at Tk 35,023 crore, up from Tk 24,028 crore a year earlier. Deposits also increased by 18.51 percent to Tk 49,720 crore, while remittance distribution rose by 15.48 percent. Brac Bank led loan disbursement with 72.12 percent of the total, followed by City Bank, Bank Asia, Islami Bank, and Dutch-Bangla Bank.

Industry sources attribute the growth to easier loan procedures, lower interest rates, and the convenience of accessing services locally without visiting bank branches. Agent banking allows third-party outlets to provide nearly all banking services, including account opening, deposits, withdrawals, bill payments, and remittance collection. These outlets operate mainly in rural areas, where 84 percent of agents are based.

Despite the growth in transactions, the number of agents and outlets declined in 2025. The total number of agents fell to 15,327 from 16,021 the previous year, while outlets decreased by 747, indicating consolidation within the expanding service network.