50119

Bangladesh Bank (Central Bank of Bangladesh) Head Office Motijheel, Dhaka-1000 Bangladesh

Financial Inclusion Department

FID Circular No. 01 Date: 13 Kartik 1430 29 October 2023

Managing Director / Chief Executive Officer All Scheduled Banks Operating in Bangladesh.

Dear Sir,

Regarding the submission of financial inclusion data.

In the current world, financial inclusion is considered an important regulator to achieve inclusive economic growth and ensure sustainable development. An inclusive financial framework creates employment opportunities on one hand, and on the other hand, risk mitigation and poverty alleviation contribute to financial stability. The Government of the People's Republic of Bangladesh is working tirelessly to build a 'Smart Bangladesh' by the middle of 2041 as envisioned in its vision, and to ensure poverty eradication and equal participation of women and men in the financial sector by 2030 under the United Nations' Sustainable Development Goals (SDGs) by making products/services easily available through both conventional and digital means for every community.

2. To improve the quality of life of the general public through financial inclusion, the Bangladesh Bank issues various policies/guidelines/directions from time to time. Banks are contributing to the continuous development of financial inclusion in the country through the implementation of these policies/guidelines/directions and various initiatives taken on their own. To continue this trend, the Bangladesh Bank will follow the following directions to regularly collect and review information regarding the progress of various indicators related to financial inclusion resulting from the proper implementation of various policies/guidelines/directions issued for the development of financial inclusion by the Bangladesh Bank and various initiatives and programs conducted by the banks:

a) Banks must submit the financial inclusion-related data for the semi-annual periods January-June and July-December, as per Annexure-A and Annexure-B attached, to the 'Director (FID), Financial Inclusion Department, Bangladesh Bank, Head Office, Dhaka' within the month following the completion of each semi-annual period.

b) There will be a focal officer of the concerned bank for the submission of data. The details of the focal officer (name, designation, department/unit/wing, email ID, mobile number) must be sent to this department within 15 working days of the issuance of this circular, and if the focal officer changes, this department must be informed within the next 07 working days; and

c) Data mentioned in these directions must be submitted starting from the July-December, 2023 semi-annual period.

3. The bank's contribution to financial inclusion will be reflected in the Management part of the CAMELS Rating by the Bangladesh Bank.

4. This direction is issued under the powers conferred by Section 45 of the Bank Company Act, 1991.

Yours faithfully,

(Md. Iqbal Mahsin) Director (FID) (Officiating) Phone: 9530262

Phone: 88-02-9530010-75, 9530700-59, Fax: 88-02-9566212, www.bb.org.bd

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Annexure-A

Annexure-A: Financial Inclusion Information Date: As on

Bank Name: Table A: Bank Level Financial Inclusion Data

(All data should be at actual)

	Number of Access Points						Number of Accounts
Bank Branch: Rural	Bank Branch: Urban	Bank Branch: Total	Sub-Branch	Agent Outlets	ATM Booth	Individual Bank Account (Deposit)	Individual Bank Account of Women (Deposit)	Individual Bank Account (Loan)	Individual Bank Account of Women (Loan)
1	2	3	4	5	6	7	8	9	10

Number of Accounts		Amount of Deposit			Wage Earners' Remittance	Consumer Empowerment & Financial Literacy (FL)
No-Frill Account except SBA*	SBA	Aggregate Bank Deposit	Aggregate Deposit in NFAs*	Amount of Deposit under SBA	Total Remittance Received (BDT)	No of FL Program arranged	No of Participants attended	Complaints Received by the bank	Complaints Resolved by the bank
11	12	13	14	15	16	17	18	19	20

Signature : ____________________ Name : ____________________ Designation : ____________________ Department/Unit: ____________________ Cell Phone : ____________________ E-mail : ____________________

Note:

Figures in columns 16-20 should be in aggregate form for the reporting period (6 months)

*SBA=School Banking Account **NFA=No-Frill Account

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Annexure-B

Annexure-B: Digital Financial Inclusion & Policy Supports Date: As on

Bank Name: Table B: Digital Usage of Banking Services

Sl.	Digital Financial Inclusion Information	a. YES/NO	If Yes: Number of Transactions*
1	Whether the bank provides internet banking facility?
2	Whether the bank facilitates e-commerce?
3	Whether the bank has Smartphone application?
4	Whether the bank facilitates Bangla QR?**

Table C: Policy Support for Financial Inclusion

Sl.	Policy & Programs along with Org. Structure of the bank	a. YES/NO	b. Remarks (if any)***
1	Availability of customer service and complaint management related policies:
	a) Code of Conduct
	b) Service Standards
	c) Customer Charter
2	Implementation of e-KYC
3	Specific training module for its employees on financial inclusion****
4	Formation of Financial Literacy Wing
5	Manpower assigned for Financial Inclusion and Financial Literacy activities (input Numerical Value)
6	Total Manpower in Head Office (input Numerical Value)
7	Special Initiatives undertaken/product launched to increase financial inclusion

Signature : ____________________ Name : ____________________ Designation : ____________________ Department/Unit: ____________________ Cell Phone : ____________________ E-mail : ____________________

Note:

• Number of transaction during the reporting period (6 months) ** Sum of On-us and Off-us transactions number as issuer and acquirer *** **Please attach documents for each items under Table C to support your information **** During the reporting period