Probashi Kallyan Bank

What Probashi Kallyan Bank does

Probashi Kallyan Bank (PKB) is a government-owned specialized bank in Bangladesh established in 2010 under the Probashi Kallyan Bank Act 2010, operating under the Ministry of Expatriates' Welfare and Overseas Employment. It is the country's only dedicated banking institution serving Bangladeshi migrant workers and their families, providing financial services targeted at the expatriate workforce population. The bank offers a portfolio of loan products including migration loans for overseas employment costs, women migration loans with favorable terms, rehabilitation loans for returning migrants, CMSME loans, agricultural/rural loans, and skill-development loans. Savings products include savings projects, savings schemes, double benefit schemes, and education savings schemes.

The bank's distribution model combines a physical network of 15 regional offices and branches covering all 8 administrative divisions of Bangladesh with digital channels. Digital services include the PKB E-Banking mobile application available on Google Play Store, online loan applications through the government's mygov.bd portal, and installment payment via Sonali Bank's billpay platform. PKB has integrated with major mobile banking providers (bKash, Nagad, Rocket, Upay), card networks (Visa, Mastercard, American Express), and Bangladesh's Bangla QR payment system, with a partnership signed with Teletalk Bangladesh for telecommunications and digital services support. The bank also conducts financial literacy workshops for aspiring migrant workers through its Financial Literacy Wing.

The bank's revenue model centers on interest income from its specialized lending portfolio, funded by deposits mobilized through multiple savings schemes. Operating as a specialized scheduled bank since 2018 with paid-up capital of BDT 500 crore, PKB is regulated by Bangladesh Bank, publishes Basel III disclosures, and holds Basel III compliance certification. Pricing is administered through a Schedule of Charges document rather than publicly disclosed interest rates, consistent with its policy-driven, government-backed mandate rather than commercial banking orientation.

Name

Probashi Kallyan Bank

Legal name

Probashi Kallyan Bank

Website

https://pkb.gov.bd

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

251–500 employees

Short description

Probashi Kallyan Bank is a Bangladesh government-owned specialized bank, established in 2010, providing migration loans, rehabilitation loans, CMSME loans, and savings schemes exclusively to Bangladeshi migrant workers and their families through 15 regional offices and digital channels.

Ownership category

akta.pro rank

Product category

Specialized Government Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Savings Banks (Public/State-Owned) (FSABAKAK)

akta.pro secondary industries

Municipal/Local Government Development Banks (FSABAKAI), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Migrant worker banking
• Expatriate welfare loans
• Specialized government bank
• Savings deposit schemes
• Rural agricultural credit

Headquarters

HQ city

Dhaka

HQ country

Bangladesh

HQ region

Asia

Offices16 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Loan Interest Income: The bank provides various loan products including immigration loans, rehabilitation loans, women immigrant loans, CMSME loans, and agricultural loans. Interest income from these lending activities forms the core revenue stream.
2. Savings Deposits: The bank accepts savings through multiple deposit schemes including savings projects, savings schemes, double benefit schemes, and education savings schemes. These deposits provide funding for lending operations.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Probashi Kallyan Bank is a specialized government-owned bank that provides migration loans, rehabilitation loans, women-focused loans, skill development loans, CMSME loans, and agricultural/rural loans to Bangladeshi migrant workers and their families. It also operates savings schemes (savings project, savings scheme, double benefit, education savings) and digital banking services via its PKB E-Banking mobile app, the national mygov.bd portal, and Sonali Bank's billpay platform for online installment payments.

Product overview

Probashi Kallyan Bank operates as a specialized government bank serving Bangladeshi migrant workers and their families. The bank offers a unified banking platform combining loan products (migration loans, rehabilitation loans, skill development loans, CMSME loans, and agricultural loans) and savings products (various savings schemes including double benefit and education savings). The product portfolio also includes digital services such as the PKB e-Banking mobile app, online installment payment systems, loan calculator tools, and information applications. The bank serves customers through both traditional branch banking and digital channels, with integrations to various mobile banking and card payment providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Migration Loan (অভিবাসী ঋণ) Primary loan product for Bangladeshi migrant workers to finance overseas employment, including travel, visa, and related costs.
• Women Migration Loan (নারী অভিবাসী ঋণ)
• Rehabilitation Loan (পুনর্বাসন ঋণ)
• Women Rehabilitation Loan (নারী পুনর্বাসন ঋণ)
• Large Family Migration Loan (অভিবাসী বৃহৎ পরিবার ঋণ)
• Special Skill Acquisition Loan (বৈদেশিক কর্মসংস্থানের উদ্দেশ্যে বিশেষ দক্ষতা অর্জনের জন্য ঋণ)
• CMSME Loan (সিএমএসএমই ঋণ)
• PKB Agriculture and Rural Loan (প্রবাসী কল্যাণ ব্যাংক কৃষি ও পল্লী ঋণ)
• Savings Project (সঞ্চয় প্রকল্প)
• Savings Scheme (সঞ্চয়ী স্কীম)
• Double Benefit Scheme (ডাবল বেনিফিট স্কীম)
• Education Savings Scheme (শিক্ষা সঞ্চয়ী স্কীম)

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature1 record

Scale indicators1 record

Recent moves8 records

Expansion highlights5 records

Emerging players

• bKash: Bangladesh's leading mobile financial services platform with deep reach among unbanked and migrant-adjacent populations. bKash is both a payments partner for PKB loan installment collection and an emerging competitor in the migrant financial inclusion space PKB serves.

Broad incumbents

• Janata Bank PLC: Large state-owned commercial bank in Bangladesh offering full-service retail and corporate banking. Janata Bank competes for the same pool of state-owned bank customers and serves as a comparator for PKB's deposit and lending product breadth.
• Sonali Bank: Bangladesh's largest state-owned commercial bank. Sonali Bank is both a peer (state-owned scheduled bank) and a key infrastructure partner for PKB via the billpay.sonalibank.com.bd/PKB platform that handles PKB's online installment collection.
• Agrani Bank PLC: One of Bangladesh's largest state-owned commercial banks offering full-service deposit and lending products. Agrani Bank is a broad incumbent where PKB's MD previously served, and represents the wider state commercial banking segment PKB sits adjacent to.
• Pubali Bank Limited: Largest private commercial bank in Bangladesh. Pubali Bank represents the private-sector competition PKB faces in general deposit and lending products, particularly for migrant-worker families who may also qualify for mainstream retail banking.
• Rupali Bank Limited: State-owned commercial bank in Bangladesh. PKB's new MD began her banking career at Rupali Bank and served in multiple senior roles there, and Rupali represents the mainstream state commercial banking segment adjacent to PKB's specialized model.

Direct peers

• Bangladesh Krishi Bank (BKB): State-owned specialized bank for agricultural credit in Bangladesh, established by statute. BKB is highly comparable to PKB in mandate (sector-specific lending), ownership (wholly government), and product structure (specialized loans plus savings deposits).
• Karmasangsthan Bank: Government-owned specialized bank focused on self-employment and microenterprise lending for unemployed and underemployed Bangladeshis. Karmasangsthan Bank overlaps with PKB's rehabilitation and CMSME loan products for returning migrants seeking self-employment.
• Rajshahi Agricultural Development Bank (RAKUB): Government-owned specialized bank in Bangladesh focused on agricultural and rural lending. RAKUB shares PKB's structural profile as a state-owned specialized lender operating under Bangladesh Bank supervision, and PKB's newly appointed MD previously served as RAKUB's Managing Director.
• Ansar-VDP Unnyan Bank: State-owned specialized bank serving members of the Ansar-VDP (national auxiliary force) and broader community. PKB's new MD previously served as Deputy MD here, and the bank shares PKB's model of state-owned specialized banking serving a defined constituency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@probashikallyanbankbangladesh
• Facebookfacebook.com/pkb.gov.bd
• LinkedInlinkedin.com/company/probashi-kallyan-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Probashi Kallyan Bank