2015-12 Issue 432 BDT

Statement No:              1
Issue No : 432, Issue Date : January 20, 2016
 
Grameen Bank Monthly Update in Taka : December 2015

Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 1,230,183.10
2.0  Cumulative Amount Repaid Since Inception 1,133,760.82
3.0  Amount Disbursed this Month 16,140.75
4.0  Amount Repaid this Month 13,694.97
5.0  Outstanding Loan
  5.1 Basic Loan

85,902.86

5.2 Flexible Loan(a) 7,446.26
5.3 Housing Loan 9.43
5.4 Education Loan 2,787.42
5.5 Other Loans 276.32
5.6 Total : 96,422.28
6.0  Rate of Recovery (b) 98.47
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan 130.32
7.2 Flexible Loan 1,136.92
7.3 Total : 1,267.24
8.0  Overdue Loan (d)
  8.1 Basic Loan (e) 750.26
8.2 Flexible Loan 1,123.67
8.3 Housing Loan 0.54
8.4 Other Loans 0.00
8.5 Total : 1,874.47
9.0    Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 7,221,574
9.2 Amount Disbursed 249,597.75
9.3 Amount Repaid 225,784.38
10.0  Balance of Deposits
  10.1 Members’ Deposit 118,791.54
10.2 Non-Members’ Deposit 70,738.31
10.3 Total : 189529.84
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 197
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 214
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,280
12.0  Beggar Members
  12.1 No. of Beggar Members 77,842
12.2 Amount Disbursed (Cumulative) 176.14
12.3 Amount Repaid (Cumulative) 149.20
12.4 Amount of Savings (Balance) 9.55
13.0  Cumulative Number of Village Phones 1,630,351
14.0  Cumulative Number of Houses Built with Housing Loans 697,152
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 177,379
15.2 Amount paid out from Life Insurance Fund 301.80
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 9,719.93
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 375,864
16.3 Amount of Outstanding Principal and Interest of the Deceased                          Borrowers paid out from Insurance Fund (Cumulative) 4,564.85
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,608
17.2 No. of Male Students 40,749
17.3 Total : 53,357
17.4 Amount Disbursed (Female) 897.11
17.5 Amount Disbursed (Male) 2,689.52
17.6 Total : 3,586.63
18.0  Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female) 133,788
18.2 Scholarship Recipient (Male) 92,196
18.3 Total : 225,984
18.4 Scholarship Amount (Female) 230.93
18.5 Scholarship Amount (Male) 160.23
18.6 Total : 391.15
19.0  Number of Members(f)
  19.1 Female 8,499,007
19.2 Male 307,772
19.3 Total : 8,806,779
20.0  Number of Groups 1,356,113
21.0  Number of Centres 142,573
22.0  Number of Villages 81,392
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.Higher   Education loans updated this month.
  Note : Current Exchange Rate : 1 US$ = Taka 78.78