2015-11 Issue 431 BDT

Statement No: 1
Issue No : 431, Issue Date : December 08, 2015
Grameen Bank Monthly Update in Taka : November 2015

Sl. No. Particulars Million Taka
1.0 Cumulative Amount Disbursed Since Inception 1,214,042.36
2.0 Cumulative Amount Repaid Since Inception 1,120,065.85
3.0 Amount Disbursed this Month 15,111.63
4.0 Amount Repaid this Month 13,168.78
5.0 Outstanding Loan
5.1 Basic Loan 83,372.79
5.2 Flexible Loan(a) 7,486.01
5.3 Housing Loan 11.14
5.4 Education Loan 2,833.99
5.5 Other Loans 272.58
5.6 Total : 93976.51
6.0 Rate of Recovery (b) 98.41
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
7.1 Basic Loan 175.65
7.2 Flexible Loan 1167.66
7.3 Total : 1343.31
8.0 Overdue Loan (d)
8.1 Basic Loan (e) 737.78
8.2 Flexible Loan 1129.29
8.3 Housing Loan 0.68
8.4 Other Loans 0.00
8.5 Total : 1867.75
9.0 Microenterprise Loan (Cumulative)
9.1 No. of Microenterprise Loans 7,105,039
9.2 Amount Disbursed 245,018.14
9.3 Amount Repaid 222321.51
10.0 Balance of Deposits
10.1 Members’ Deposit 108,257.72
10.2 Non-Members’ Deposit 66,316.98
10.3 Total : 174,574.70
11.0 Deposits to Outstanding
11.1 Deposits as Percentage of Outstanding Loans 186
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 204
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,231
12.0 Beggar Members
12.1 No. of Beggar Members 78,030
12.2 Amount Disbursed (Cumulative) 175.97
12.3 Amount Repaid (Cumulative) 148.94
12.4 Amount of Savings (Balance) 9.04
13.0 Cumulative Number of Village Phones 1,624,718
14.0 Cumulative Number of Houses Built with Housing Loans 697,129
15.0 Life Insurance Fund (Cumulative)
15.1 No. of Deaths Among all Borrowers 176,280
15.2 Amount paid out from Life Insurance Fund 300.13
16.0 Loan Insurance
16.1 Balance in Loan Insurance Savings 9,530.46
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 371,887
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 4,476.10
17.0 Higher Education Loan (Cumulative)
17.1 No. of Female Students 12,642
17.2 No. of Male Students 40,907
17.3 Total : 53,549
17.4 Amount Disbursed (Female) 1017.68
17.5 Amount Disbursed (Male) 2,551.28
17.6 Total : 3,568.97
18.0 Scholarship (Cumulative)
18.1 Scholarship Recipient (Female) 133,072
18.2 Scholarship Recipient (Male) 91,719
18.3 Total : 224,791
18.4 Scholarship Amount (Female) 217.44
18.5 Scholarship Amount (Male) 151.68
18.6 Total : 369.12
19.0 Number of Members(f)
19.1 Female 8,479,797
19.2 Male 310,816
19.3 Total : 8,790,613
20.0 Number of Groups 1,353,923
21.0 Number of Centres 142,510
22.0 Number of Villages 81,392
23.0 Number of Branches 2,568
24.0 Number of Branches with Computerized Accounting and MIS 2,568
(a) On the last day of each month, 50 per cent provision is made against the outstanding amounts of flexible loans with age of less than two years, and 100 per cent provision is made against the outstanding amounts of flexible loans with age of two years and more. The portions of flexible loans which complete the third year are written off exactly on the date following their completion.
(b) Amount repaid as a percentage of amount due.
(c) If a borrower misses ten consecutive instalments, the entire outstanding loan is treated as an overdue loan.
(d) On the last day of each month, 100 per cent provision is made against all overdue loans. Entire outstanding amount of overdue loans are written off one year after they became overdue.
(e) In case of one-year loan, if the borrower fails to repay half the loan amount, with interest, within 26 weeks, entire unrepaid amount becomes overdue. In case of loans with longer duration, if the borrower fails to repay the total principal amount and interest scheduled to be repaid within each segment of 26 weeks, entire unrepaid amount falls overdue.
(f) Number of members includes both Beggar Members and Higher Education Loan recipients mentioned in item no. 12.1 & 17.3 respectively
Note : Current Exchange Rate : 1 US$ = Taka 78.53