2015-04 Issue 424 BDT

Statement No: 1
Issue No : 424, Issue Date : May 07, 2015
 
Grameen Bank Monthly Update in Taka : April 2015
Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 1129,900.71
2.0  Cumulative Amount Repaid Since Inception 1039,325.33
3.0  Amount Disbursed this Month 12,107.84
4.0  Amount Repaid this Month 11,786.91
5.0  Outstanding Loan
  5.1 Basic Loan

79,658.02

5.2 Flexible Loan(a) 7,731.32
5.3 Housing Loan 20.00
5.4 Education Loan 2,886.88
5.5 Other Loans 279.15
5.6 Total : 90575.37
6.0  Rate of Recovery (b) 98.24
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan 324.76
7.2 Flexible Loan 1294.17
7.3 Total : 1618.94
8.0  Overdue Loan (d)
  8.1 Basic Loan (e) 588.15
8.2 Flexible Loan 825.45
8.3 Housing Loan 0.98
8.4 Other Loans 0.00
8.5 Total : 1414.58
9.0    Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 6,548,136
9.2 Amount Disbursed 222,629.44
9.3 Amount Repaid 201240.89
10.0  Balance of Deposits
  10.1 Members’ Deposit 106,177.35
10.2 Non-Members’ Deposit 62,221.86
10.3 Total : 168399.21
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 186
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 204
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,214
12.0  Beggar Members
  12.1 No. of Beggar Members 78,483
12.2 Amount Disbursed (Cumulative) 174.64
12.3 Amount Repaid (Cumulative) 147.19
12.4 Amount of Savings (Balance) 9.20
13.0  Cumulative Number of Village Phones 1,483,647
14.0  Cumulative Number of Houses Built with Housing Loans 696,964
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 170,333
15.2 Amount paid out from Life Insurance Fund 291.07
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 9,019.09
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 350,059
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 4,020.80
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,519
17.2 No. of Male Students 40,777
17.3 Total : 53,296
17.4 Amount Disbursed (Female) 987.11
17.5 Amount Disbursed (Male) 2,512.42
17.6 Total : 3,499.53
18.0  Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female) 121,148
18.2 Scholarship Recipient (Male) 84,368
18.3 Total : 205,516
18.4 Scholarship Amount (Female) 203.89
18.5 Scholarship Amount (Male) 143.20
18.6 Total : 347.09
19.0  Number of Members(f)
  19.1 Female 8,337,233
19.2 Male 336,024
19.3 Total : 8,673,257
20.0  Number of Groups 1,340,470
21.0  Number of Centres 142,301
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