2015-01 Issue 421 BDT

Statement No: 1
Issue No : 421, Issue Date : February 04, 2015
 
Grameen Bank Monthly Update in Taka : January 2015
Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 1092,885.18
2.0  Cumulative Amount Repaid Since Inception 1004,630.55
3.0  Amount Disbursed this Month 11,929.42
4.0  Amount Repaid this Month 11,170.12
5.0  Outstanding Loan
  5.1 Basic Loan

77,251.57

5.2 Flexible Loan(a) 7,782.89
5.3 Housing Loan 28.62
5.4 Education Loan 2,903.43
5.5 Other Loans 288.13
5.6 Total : 88,254.64
6.0  Rate of Recovery (b) 98.14
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan 402.18
7.2 Flexible Loan 1283.74
7.3 Total : 1685.91
8.0  Overdue Loan (d)
  8.1 Basic Loan (e) 609.37
8.2 Flexible Loan 986.29
8.3 Housing Loan 1.13
8.4 Other Loans 0.00
8.5 Total : 1596.80
9.0    Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 6,294,629
9.2 Amount Disbursed 212,610.32
9.3 Amount Repaid 192571.12
10.0  Balance of Deposits
  10.1 Members’ Deposit 105,645.04
10.2 Non-Members’ Deposit 63,020.11
10.3 Total : 168665.15
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 191
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 210
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,220
12.0  Beggar Members
  12.1 No. of Beggar Members 78,746
12.2 Amount Disbursed (Cumulative) 173.92
12.3 Amount Repaid (Cumulative) 146.23
12.4 Amount of Savings (Balance) 9.43
13.0  Cumulative Number of Village Phones 1,435,982
14.0  Cumulative Number of Houses Built with Housing Loans 696,832
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 167,620
15.2 Amount paid out from Life Insurance Fund 287.00
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 8,807.56
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 339,750
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 3,795.43
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,497
17.2 No. of Male Students 40,711
17.3 Total : 53,208
17.4 Amount Disbursed (Female) 972.14
17.5 Amount Disbursed (Male) 2,492.52
17.6 Total : 3,464.66
18.0  Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female) 121,140
18.2 Scholarship Recipient (Male) 84,365
18.3 Total : 205,505
18.4 Scholarship Amount (Female) 203.88
18.5 Scholarship Amount (Male) 143.20
18.6 Total : 347.09
19.0  Number of Members(f)
  19.1 Female 8,326,284
19.2 Male 327,513
19.3 Total : 8,653,797
20.0  Number of Groups 1,337,585
21.0  Number of Centres 142,557
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 installments, 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 77.86