2014-07 Issue 415 USD

Statement No: 1
Issue No : 415, Issue Date :August 05, 2014
 
Grameen Bank Monthly Update in US$ : July 2014

Sl. No. Particulars Million US$ 
1.0  Cumulative Amount Disbursed Since Inception 15,648.61
2.0  Cumulative Amount Repaid Since Inception 14,226.17
3.0  Amount Disbursed this Month 127.76
4.0  Amount Repaid this Month 127.32
5.0  Outstanding Loan
  5.1 Basic Loan 993.43
5.2 Flexible Loan(a) 95.91
5.3 Housing Loan 0.52
5.4 Education Loan 37.43
5.5 Other Loans 3.85
5.6 Total (b): 1,131.13
6.0  Rate of Recovery (c) 97.60
7.0  Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (d)
  7.1 Basic Loan 4.98
7.2 Flexible Loan 15.60
7.3 Total : 20.58
8.0  Overdue Loan (e)
  8.1 Basic Loan(f) 11.575
8.2 Flexible Loan 11.535
8.3 Housing Loan 0.013
8.4 Other Loans 0.000
8.5 Total : 23.122
9.0   Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 5,864,644
9.2 Amount Disbursed 2,665.40
9.3 Amount Repaid 2,365.47
10.0  Balance of Deposits
  10.1 Members’ Deposit 1,212.35
10.2 Non-Members’ Deposit 738.31
10.3 Total : 1,950.66
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 172
  11.2 Deposits and Own Resources as Percentage of Outstanding Loans 191
  11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,102
12.0  Beggar Members
  12.1 No. of Beggar Members 80,193
12.2 Amount Disbursed (Cumulative) 2.55
12.3 Amount Repaid (Cumulative) 2.09
12.4 Amount of Savings (Balance) 0.11
13.0  Cumulative Number of Village Phones 1383,130
14.0  Cumulative Number of Houses Built with Housing Loans 696,591
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 162,006
15.2 Amount paid out from Life Insurance Fund 5.20
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 110.03
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 319,012
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 46.37
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,383
17.2 No. of Male Students 40,534
17.3 Total : 52,917
17.4 Amount Disbursed (Female) 12.95
17.5 Amount Disbursed (Male) 34.27
17.6 Total : 47.21
18.0  Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female) 120,689
18.2 Scholarship Recipient (Male) 84,082
18.3 Total : 204,771
18.4 Scholarship Amount (Female) 2.64
18.5 Scholarship Amount (Male) 1.87
18.6 Total : 4.51
19.0  Number of Members (g)
  19.1 Female 8,294,073
19.2 Male 322,646
19.3 Total : 8,616,719
20.0  Number of Groups 1,329,938
21.0  Number of Centres 142,712
22.0  Number of Villages 81,390
23.0  Number of Branches 2,567
24.0  Number of Branches with Computerized Accounting and MIS 2,567
 
(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 amount of a flexible loan which completes the third year is written off exactly on the date following its completion.
(b) This figure is not exactly equal to the difference between items 1 and 2 because of difference in conversion rates.
(c) Amount repaid as a percentage of amount due.
(d) If a borrower misses ten consecutive instalments, the entire outstanding loan is treated as an overdue loan.
(e) 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 become overdue.
(f) 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.
(g) 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 77.59