The Briefing Note # 136, “Structuring and Managing Agent Networks – I”, reviewed agent networks managed by MNOs; and contrasted and critiqued the different strategies followed and its impact. This Note focuses on bank managed agent networks – either directly or by outsourcing to third parties. It is quite evident that there is no ‘one size fits all’ in agency networks. The strategy and approach of the same institution might be a roaring success in one environment but a complete disaster in another. Given that a poorly functioning agent network can completely mar the business model, it is inevitable for institutions to have a laser sharp focus on; and to constantly review, re-invigorate and re-invent the agency channel.