2015-02 Issue 422 BDT

Statement No: 1
Issue No : 422, Issue Date : March 24, 2015
 
Grameen Bank Monthly Update in Taka : February 2015
Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 1105,013.97
2.0  Cumulative Amount Repaid Since Inception 1015,797.45
3.0  Amount Disbursed this Month 12,128.79
4.0  Amount Repaid this Month 11,166.90
5.0  Outstanding Loan
  5.1 Basic Loan

78,343.28

5.2 Flexible Loan(a) 7,677.98
5.3 Housing Loan 22.66
5.4 Education Loan 2,901.87
5.5 Other Loans 270.74  
5.6 Total : 89216.53
6.0  Rate of Recovery (b) 98.20
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan 370.42
7.2 Flexible Loan 1228.09
7.3 Total : 1598.50
8.0  Overdue Loan (d)
  8.1 Basic Loan (e) 612.73
8.2 Flexible Loan 906.06
8.3 Housing Loan 1.11
8.4 Other Loans 0.00
8.5 Total : 1519.91
9.0    Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 6,387,993
9.2 Amount Disbursed 216,032.30
9.3 Amount Repaid 195337.46
10.0  Balance of Deposits
  10.1 Members’ Deposit 105,658.77
10.2 Non-Members’ Deposit 62,508.48 
10.3 Total : 168167.25
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 188
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 207
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,210
12.0  Beggar Members
  12.1 No. of Beggar Members 78,769
12.2 Amount Disbursed (Cumulative) 174.17
12.3 Amount Repaid (Cumulative) 146.55
12.4 Amount of Savings (Balance) 9.33
13.0  Cumulative Number of Village Phones 1,453,939
14.0  Cumulative Number of Houses Built with Housing Loans 696,865
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 168,519
15.2 Amount paid out from Life Insurance Fund 288.35
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 8,871.83
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 343,285
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 3,866.24
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,504
17.2 No. of Male Students 40,730
17.3 Total : 53,234
17.4 Amount Disbursed (Female) 980.84
17.5 Amount Disbursed (Male) 2,499.27
17.6 Total : 3,480.11
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 8,333,401
19.2 Male 328,607
19.3 Total : 8,662,008
20.0  Number of Groups 1,338,508
21.0  Number of Centres 142,405
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 77.80