2014-09 Issue 417 BDT

Statement No: 1
Issue No : 417, Issue Date : October 13, 2014
 
Grameen Bank Monthly Update in Taka : September 2014

Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 1047,465.77
2.0  Cumulative Amount Repaid Since Inception 960621.78
3.0  Amount Disbursed this Month 12,815.53
4.0  Amount Repaid this Month 12,365.14
5.0  Outstanding Loan
  5.1 Basic Loan

75,837.61

5.2 Flexible Loan(a) 7,754.10
5.3 Housing Loan 36.00
5.4 Education Loan 2,912.74
5.5 Other Loans 303.53
5.6 Total : 86,843.99
6.0  Rate of Recovery (b) 97.81
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan 340.33
7.2 Flexible Loan 1333.19
7.3 Total : 1673.52
8.0  Overdue Loan (d)
  8.1 Basic Loan (e) 843.05
8.2 Flexible Loan 994.77
8.3 Housing Loan 0.84
8.4 Other Loans 0.00
8.5 Total : 1838.66
9.0    Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 6,000,531
9.2 Amount Disbursed 201,073.83
9.3 Amount Repaid 181262.22
10.0  Balance of Deposits
  10.1 Members’ Deposit 94,897.18
10.2 Non-Members’ Deposit 58,287.91
10.3 Total : 153185.09
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 176
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 194
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,156
12.0  Beggar Members
  12.1 No. of Beggar Members 79,070
12.2 Amount Disbursed (Cumulative) 173.02
12.3 Amount Repaid (Cumulative) 144.91
12.4 Amount of Savings (Balance) 8.85
13.0  Cumulative Number of Village Phones 1,399,067
14.0  Cumulative Number of Houses Built with Housing Loans 696,669
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 163,997
15.2 Amount paid out from Life Insurance Fund 281.52
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 8,598.76
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 325,204
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 3,496.10
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,457
17.2 No. of Male Students 40,602
17.3 Total : 53,059
17.4 Amount Disbursed (Female) 954.78
17.5 Amount Disbursed (Male) 2,458.51
17.6 Total : 3,413.29
18.0  Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female) 120,690
18.2 Scholarship Recipient (Male) 84,082
18.3 Total : 204,772
18.4 Scholarship Amount (Female) 190.84
18.5 Scholarship Amount (Male) 134.90
18.6 Total : 325.74
19.0  Number of Members(f)
  19.1 Female 8,304,833
19.2 Male 321,191
19.3 Total : 8,626,024
20.0  Number of Groups 1,333,193
21.0  Number of Centres 142,686
22.0  Number of Villages 81,390
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 77.40