2016-01 Issue 433 BDT

Statement No: 1
Issue No : 433, Issue Date : February 07, 2016
Grameen Bank Monthly Update in Taka : January 2016

Sl. No. Particulars Million Taka
1.0 Cumulative Amount Disbursed Since Inception 1,245,502.26
2.0 Cumulative Amount Repaid Since Inception 1,146,606.75
3.0 Amount Disbursed this Month 15,319.15
4.0 Amount Repaid this Month 12,845.93
5.0 Outstanding Loan
5.1 Basic Loan 88,560.60
5.2 Flexible Loan(a) 7,270.51
5.3 Housing Loan 8.63
5.4 Education Loan 2,782.81
5.5 Other Loans 272.96
5.6 Total : 98,895.51
6.0 Rate of Recovery (b) 98.48
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
7.1 Basic Loan 119.82
7.2 Flexible Loan 1,124.31
7.3 Total : 1,244.14
8.0 Overdue Loan (d)
8.1 Basic Loan (e) 820.84
8.2 Flexible Loan 1,121.13
8.3 Housing Loan 0.65
8.4 Other Loans 0.00
8.5 Total : 1,942.62
9.0 Microenterprise Loan (Cumulative)
9.1 No. of Microenterprise Loans 7,352,470
9.2 Amount Disbursed 254,370.95
9.3 Amount Repaid 229,082.62
10.0 Balance of Deposits
10.1 Members’ Deposit 118,338.70
10.2 Non-Members’ Deposit 69,384.36
10.3 Total : 187,723.06
11.0 Deposits to Outstanding
11.1 Deposits as Percentage of Outstanding Loans 190
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 2,243
12.0 Beggar Members
12.1 No. of Beggar Members 77,834
12.2 Amount Disbursed (Cumulative) 176.28
12.3 Amount Repaid (Cumulative) 149.42
12.4 Amount of Savings (Balance) 9.46
13.0 Cumulative Number of Village Phones 1,641,240
14.0 Cumulative Number of Houses Built with Housing Loans 697,168
15.0 Life Insurance Fund (Cumulative)
15.1 No. of Deaths Among all Borrowers 177,796
15.2 Amount paid out from Life Insurance Fund 302.42
16.0 Loan Insurance
16.1 Balance in Loan Insurance Savings 9,878.63
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 379,667
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 4,618.04
17.0 Higher Education Loan (Cumulative)
17.1 No. of Female Students 12,637
17.2 No. of Male Students 40,755
17.3 Total : 53,392
17.4 Amount Disbursed (Female) 903.44
17.5 Amount Disbursed (Male) 2,695.69
17.6 Total : 3,599.13
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 8,506,698
19.2 Male 308,494
19.3 Total : 8,815,192
20.0 Number of Groups 1,358,268
21.0 Number of Centres 142,607
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