Bangladesh Krishi Bank

Bangladesh Krishi Bank

Bangladesh Krishi Bank is a fully government owned
specialized bank in Bangladesh founded in 1973.
The primary purpose of the bank is to provide services to
farmers and agricultural industry.
History of BKB
Bangladesh Krishi Bank is one of seven state owned banks
in Bangladesh. In 2015 the bank incurred a loss of 1589.3
million taka. The Bank worked with the agriculture
department of Bangladesh to provide loans to Boro rice
Cultivators. The bank was asked to stop providing loans to
non-agricultural purposes. The Bank provided 19.26.billion
taka loans for non-agricultural purposes from 2010 to 2013.
Present Capital Structure:

1. Authorized Capital Taka 15,000 Million

2. Paid up Capital Taka 9,000 Million
3. Reserve Fund Taka 2,051 Million

Core Services:
 Deposit Operational Banking
 Automated Clearing (BACH)
 Credit Programs
 ATM & Debit Card Facilities
 RTGS Facility
 Online Banking
 Fund Transfer
 Foreign Remittance
 SMS Alert
Vision:
Providing loan facilities for achieving self sufficiency in food
production and strengthening rural economy.
Mission:
Besides reaching banking facilities to the people’s doorsteps, giving
agricultural, SME and agro based industrial loans for achieving self
sufficiency in food production and elimination of poverty.
The corporate missions of the Bank are mentioned below:
    To provide excellent quality customer service.
    To provide high quality financial services in foreign trade.
    To maintain corporate and business ethics.
    To create employment opportunity by project finance.
    To play role in the socio-economic development.
    To become trustworthy to the depositors and the borrowing
customers.
Objectives of the Bank:
For proper utilization of agricultural loan, Bangladesh Krishi
Bank is the greatest national institution. For the development
of rural areas, this bank works for overall development and
gaining dependency in food production. The lion’s share of
agricultural loan is distributed through this bank. Though it is a
specialized Bank in agricultural sector, it functions like all
other commercial banks. The main objectives are as follows:
   To create new opportunities for its clients such as farmers,
traders, industrialists and common people.
 To give customized services and maintains harmonious
banker-client relationship.
 To contribute towards formation capital, growth of savings &
investment in trade, commerce & industrial sectors.
Products & Services:
The bank has wide range of Product lines to suit the need
of the people of all strata. In addition to convention
product both Asset and liability sides the Bank offers
special credit products for its customer. These are:
 Consumer financing
 Lease Financing
 Small Loan
 Long-term & Short-term loan financing
 SME and Agro Based
Ancillary Services:
 Foreign Currency Remittance
 Representative service
 Consultancy