2015-08 Issue 428 BDT

Statement No: 1
Issue No : 428, Issue Date : September 06, 2015
 
Grameen Bank Monthly Update in Taka : August 2015
Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 1175,251.81
2.0  Cumulative Amount Repaid Since Inception 1084,907.52
3.0  Amount Disbursed this Month 13,000.72
4.0  Amount Repaid this Month 12,918.82
5.0  Outstanding Loan
  5.1 Basic Loan

79,430.01

5.2 Flexible Loan(a) 7,764.54
5.3 Housing Loan 15.09
5.4 Education Loan 2,866.50
5.5 Other Loans 268.15
5.6 Total : 90344.28
6.0  Rate of Recovery (b) 98.35
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan 238.73
7.2 Flexible Loan 1292.35
7.3 Total : 1531.08
8.0  Overdue Loan (d)
  8.1 Basic Loan (e) 483.74
8.2 Flexible Loan 823.74
8.3 Housing Loan 0.69
8.4 Other Loans 0.00
8.5 Total : 1308.17
9.0    Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 6,821,196
9.2 Amount Disbursed 234,033.70
9.3 Amount Repaid 212763.70
10.0  Balance of Deposits
  10.1 Members’ Deposit 107,263.38
10.2 Non-Members’ Deposit 65,108.51
10.3 Total : 172371.89
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 209
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,247
12.0  Beggar Members
  12.1 No. of Beggar Members 78,180
12.2 Amount Disbursed (Cumulative) 175.49
12.3 Amount Repaid (Cumulative) 148.23
12.4 Amount of Savings (Balance) 9.16
13.0  Cumulative Number of Village Phones 1,564,293
14.0  Cumulative Number of Houses Built with Housing Loans 697,094
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 173,670
15.2 Amount paid out from Life Insurance Fund 296.20
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 9,212.95
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 362,826
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 4,284.38
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,604
17.2 No. of Male Students 40,853
17.3 Total : 53,457
17.4 Amount Disbursed (Female) 1009.17
17.5 Amount Disbursed (Male) 2,536.23
17.6 Total : 3,545.40
18.0  Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female) 133,072
18.2 Scholarship Recipient (Male) 91,719
18.3 Total : 224,791
18.4 Scholarship Amount (Female) 217.44
18.5 Scholarship Amount (Male) 151.68
18.6 Total : 369.12
19.0  Number of Members(f)
  19.1 Female 8,330,986
19.2 Male 327,163
19.3 Total : 8,658,149
20.0  Number of Groups 1,344,416
21.0  Number of Centres 142,190
22.0  Number of Villages 81,391
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