2016-01 Issue 433 USD

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

Sl. No. Particulars Million US$
1.0 Cumulative Amount Disbursed Since Inception 18,478.83
2.0 Cumulative Amount Repaid Since Inception 16,914.37
3.0 Amount Disbursed this Month 194.45
4.0 Amount Repaid this Month 163.06
5.0 Outstanding Loan
5.1 Basic Loan 1,124.15
5.2 Flexible Loan(a) 92.29
5.3 Housing Loan 0.11
5.4 Education Loan 35.32
5.5 Other Loans 3.46
5.6 Total (b): 1,255.34
6.0 Rate of Recovery (c) 98.48
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (d)
7.1 Basic Loan 1.52
7.2 Flexible Loan 14.27
7.3 Total : 15.79
8.0 Overdue Loan (e)
8.1 Basic Loan(f) 10.419
8.2 Flexible Loan 14.231
8.3 Housing Loan 0.008
8.4 Other Loans 0.000
8.5 Total : 24.659
9.0 Microenterprise Loan (Cumulative)
9.1 No. of Microenterprise Loans 7,352,470
9.2 Amount Disbursed 3,423.70
9.3 Amount Repaid 3,060.11
10.0 Balance of Deposits
10.1 Members’ Deposit 1,502.14
10.2 Non-Members’ Deposit 880.74
10.3 Total : 2,382.88
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) 2.60
12.3 Amount Repaid (Cumulative) 2.16
12.4 Amount of Savings (Balance) 0.12
13.0 Cumulative Number of Village Phones 1641,240
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 5.51
16.0 Loan Insurance
16.1 Balance in Loan Insurance Savings 125.40
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)  62.58
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) 12.57
17.5 Amount Disbursed (Male) 37.53
17.6 Total : 50.10
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) 3.16
18.5 Scholarship Amount (Male) 2.20
18.6 Total : 5.35
19.0 Number of Members (g)
19.1 Female 8,506,698
19.2 Male 308,494
19.3 Total : 8,815192
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 amount of a flexible loan which completes the third year is written off exactly on the date following its completion.
(b) This figure is not exactly equal to the difference between items 1 and 2 because of difference in conversion rates.
(c) Amount repaid as a percentage of amount due.
(d) If a borrower misses ten consecutive instalments, the entire outstanding loan is treated as an overdue loan.
(e) 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 become overdue.
(f) 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.
(g) 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  78.78