WELCOME TO MY PRESENTATION

COMMERCIAL BANKING NEEDED IN

KURIGRAM DISTRICT

ABOUT KURIGRAMArea: 2245.04 Sq. KmTotal Population: 20,69,273Urban people: 3,26,494Rural people: 17,42,779 Literacy Rate: 42.5%Urbanization : 15.78%

Farmer65%

Servi

ce10

%

Business8%Labor12%

COMMERCIAL BANKING ACTIVITIESoCredit IntermediationoMoney CreationoDeposits/loansoProvide SafetyoPayment Agents

AVAILABLE BANKS IN KURIGRAM

Grameen Bank BRAC Bank Dutch Bangla Bank Uttara Bank Islami Bank – Mostly used by regional people

Bangladesh krishi Bank- Specially for famers

Agent Banking

PROBLEMS FACED BY PEOPLE• Low interest loan• Seasonal discount in Farming• Distance of Bank from Rural area• Complexity In loan sanctioning• Lower information about banking• People fears what they don’t understand

RECOMMENDATION

Information system

Discount facilities

Based on Agriculture & Enterpreneur

Lower interest rate

More ATM facility

CONCLUSIONBANKING DEPENDS ON MANY FACTORS. AS MOST OF ALL THE FARMERS, SO BANKING SHOULD BE DEPEND ON AGRICULTURE & SME BUSINESSES.