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| Grameen Bank Performance Indicators & Ratio Analysis, December 2017 | |||||||||||
| 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | ||
| Institutional characteristic: | |||||||||||
| 1 | Total assets (In million Taka.) | 82,801 | 103,005 | 125,397 | 140,441 | 158,952 | 178,937 | 200,961 | 220,885 | 229,361 | 239,619 |
| Total assets (In million USD) | 1,205 | 1,491 | 1,781 | 1,763 | 1,974 | 2,301 | 2,593 | 2,804 | 2,920 | 2,903 | |
| 2 | Number of offices | 2,884 | 2,911 | 2,914 | 2,912 | 2,914 | 2,914 | 2,915 | 2,914 | 2,906 | 2,893 |
| Number of employees | 24,240 | 23,283 | 22,255 | 22,128 | 22,261 | 21,851 | 21,807 | 21651 | 21,043 | 18,185 | |
| Outreach indicators: | |||||||||||
| 3 | Number of branches | 2,539 | 2,562 | 2,565 | 2,565 | 2,567 | 2,567 | 2,568 | 2,568 | 2,568 | 2,568 |
| 4 | Number of members (In millions) | 7.67 | 7.97 | 8.34 | 8.37 | 8.37 | 8.54 | 8.64 | 8.81 | 8.90 | 8.93 |
| 5 | Number of active borrowers (In millions) | 6.21 | 6.43 | 6.61 | 6.58 | 6.71 | 6.74 | 7.03 | 7.18 | 7.29 | 7.23 |
| 6 | Number of active borrowers per branch (year-end) | 2,448 | 2,508 | 2,578 | 2,566 | 2,613 | 2,625 | 2,739 | 2,796 | 2,837 | 2,814 |
| 7 | Number of loan officers | 14,000 | 13,262 | 12,613 | 12,537 | 12,779 | 12,826 | 12,800 | 12,734 | 12,279 | 11,922 |
| 8 | Percent of women members | 96.88% | 96.79% | 96.39% | 96.12% | 96.23% | 96.21% | 96.26% | 96.51% | 96.54% | 96.65% |
| 9 | Average loan balance per borrower (Taka) | 7,147 | 8,514 | 10,034 | 11,442 | 11,972 | 12,522 | 12,438 | 13,427 | 16,230 | 19,997 |
| Average loan balance per borrower (USD) | 104 | 123 | 143 | 144 | 149 | 161 | 160 | 170 | 207 | 242 | |
| Loan portfolio | |||||||||||
| 10 | Loans (Principal Amount) disbursed (In million Taka) | 62,105 | 79,408 | 96,149 | 108,539 | 118,609 | 126,026 | 133,321 | 149,227 | 187,533 | 234,715 |
| Loans (Principal Amount) disbursed (In million USD) | 906 | 1,151 | 1,366 | 1,362 | 1,473 | 1,621 | 1,720 | 1,894 | 2,388 | 2,843 | |
| 11 | Number of loans disbursed (In millions) | 7.18 | 8.25 | 8.61 | 8.00 | 8.17 | 7.38 | 7.48 | 8.18 | 8.11 | 9.29 |
| 12 | Total loan outstanding (gross) (In million Taka) | 44,412 | 54,718 | 66,350 | 75,294 | 80,317 | 84,381 | 87,491 | 96,422 | 118,244 | 144,505 |
| Total loan outstanding (gross) (In million USD) | 646 | 792 | 943 | 945 | 997 | 1,085 | 1,129 | 1,224 | 1,506 | 1,751 | |
| 13 | Current (Performing) loans (In million Taka) | 42,782 | 52,318 | 64,354 | 72,387 | 76,742 | 81,291 | 84,379 | 93,281 | 116,279 | 143,002 |
| Current (Performing) loans (In million USD) | 623 | 757 | 914 | 909 | 953 | 1,046 | 1,089 | 1,184 | 1,481 | 1,732 | |
| 14 | Overdue loans (In milion Taka) | 1,236 | 1,439 | 633 | 1,019 | 1,624 | 1,496 | 1,550 | 1,875 | 651 | 472 |
| Overdue loans (In milion USD) | 17.99 | 20.82 | 8.99 | 12.79 | 20.17 | 19.24 | 20.00 | 23.80 | 8.29 | 5.72 | |
| 15 | Portfolio growth rate | 22.22% | 23.20% | 21.26% | 13.48% | 6.67% | 5.06% | 3.69% | 10.21% | 22.63% | 22.21% |
| Sustainability/Profitability ratios: | |||||||||||
| 16 | Return on equity (ROE) | 21.21% | 5.64% | 10.74% | 8.97% | 17.10% | 13.65% | 4.15% | 0.22% | 11.82% | 17.09% |
| 17 | Operating self sufficiency (OSS) | 112.20% | 102.63% | 104.46% | 103.31% | 106.17% | 105.15% | 101.53% | 100.08% | 104.53% | 106.92% |
| 18 | Financial self sufficiency (FSS) | 106.07% | 99.21% | 99.20% | 95.79% | 99.62% | 99.59% | 96.51% | 95.80% | 101.23% | 103.42% |
| Asset / Liability management ratios: | |||||||||||
| 19 | Yield on gross portfolio (nominal) | 19.03% | 19.43% | 19.69% | 19.80% | 19.98% | 19.82% | 19.70% | 19.47% | 19.95% | 19.94% |
| 20 | Cost of funds ratio | 8.56% | 8.89% | 9.24% | 9.07% | 9.17% | 9.28% | 9.01% | 8.56% | 7.52% | 7.50% |
| Portfolio Quality: | |||||||||||
| 21 | Portfolio at risk ratio (PAR) | 3.67% | 4.39% | 3.01% | 3.86% | 4.45% | 3.66% | 3.56% | 3.26% | 1.66% | 1.04% |
| Efficiency and productivity ratios: | |||||||||||
| 22 | Productivity per loan officer | 465 | 509 | 552 | 553 | 553 | 553 | 578 | 594 | 626 | 640 |
| 23 | Operating expense ratio | 10.83% | 11.36% | 11.24% | 10.06% | 9.51% | 9.88% | 10.25% | 11.00% | 12.63% | 10.98% |
| 24 | Personnel expense / Loan portfolio | 7.32% | 7.71% | 7.67% | 7.07% | 6.65% | 6.82% | 7.15% | 8.23% | 10.27% | 8.88% |
| 25 | Cost per borrower (In Taka) | 707 | 891 | 1,044 | 1,080 | 1,113 | 1,210 | 1,279 | 1,423 | 1,874 | 1,988 |
| Cost per borrower (In USD) | 10.29 | 12.89 | 14.83 | 13.56 | 13.82 | 15.56 | 16.50 | 18.06 | 23.86 | 24.08 | |
| 26 | Portfolio per loan officer (in million Taka) | 3.17 | 4.13 | 5.26 | 6.01 | 6.29 | 6.58 | 6.84 | 7.57 | 9.63 | 12.12 |
| Portfolio per loan officer (in million USD) | 0.046 | 0.060 | 0.075 | 0.075 | 0.078 | 0.085 | 0.088 | 0.096 | 0.123 | 0.147 | |
| Financing structure: | |||||||||||
| 27 | Capital adequacy ratio | 12.02% | 10.65% | 9.30% | 8.79% | 8.94% | 9.01% | 10.65% | 8..96% | 8.99% | 8.92% |
