2016-02 Issue 434 BDT

Statement No: 1
Issue No : 434, Issue Date : March 08, 2016
Grameen Bank Monthly Update in Taka : February 2016

Sl. No. Particulars Million Taka
1.0 Cumulative Amount Disbursed Since Inception 1,260,577.66
2.0 Cumulative Amount Repaid Since Inception 1,159,213.36
3.0 Amount Disbursed this Month 15,075.40
4.0 Amount Repaid this Month 12,606.61
5.0 Outstanding Loan
5.1 Basic Loan 91,159.09
5.2 Flexible Loan(a) 7,156.52
5.3 Housing Loan 7.86
5.4 Education Loan 2,766.00
5.5 Other Loans 274.82
5.6 Total : 101364.30
6.0 Rate of Recovery (b) 98.52
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
7.1 Basic Loan 120.89
7.2 Flexible Loan 1138.76
7.3 Total : 1259.65
8.0 Overdue Loan (d)
8.1 Basic Loan (e) 737.04
8.2 Flexible Loan 1099.70
8.3 Housing Loan 0.63
8.4 Other Loans 0.00
8.5 Total : 1837.37
9.0 Microenterprise Loan (Cumulative)
9.1 No. of Microenterprise Loans 7,489,959
9.2 Amount Disbursed 259,254.67
9.3 Amount Repaid 232294.45
10.0 Balance of Deposits
10.1 Members’ Deposit 117,452.58
10.2 Non-Members’ Deposit 68,302.69
10.3 Total : 185755.26
11.0 Deposits to Outstanding
11.1 Deposits as Percentage of Outstanding Loans 183
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 201
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,215
12.0 Beggar Members
12.1 No. of Beggar Members 77,823
12.2 Amount Disbursed (Cumulative) 176.50
12.3 Amount Repaid (Cumulative) 149.65
12.4 Amount of Savings (Balance) 9.52
13.0 Cumulative Number of Village Phones 1,644,853
14.0 Cumulative Number of Houses Built with Housing Loans 697,180
15.0 Life Insurance Fund (Cumulative)
15.1 No. of Deaths Among all Borrowers 178,381
15.2 Amount paid out from Life Insurance Fund 303.30
16.0 Loan Insurance
16.1 Balance in Loan Insurance Savings 10,040.06
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 383,185
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 4,690.93
17.0 Higher Education Loan (Cumulative)
17.1 No. of Female Students 12,652
17.2 No. of Male Students 40,767
17.3 Total : 53,419
17.4 Amount Disbursed (Female) 905.89
17.5 Amount Disbursed (Male) 2,699.40
17.6 Total : 3,605.29
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 8,512,350
19.2 Male 306,686
19.3 Total : 8,819,036
20.0 Number of Groups 1,359,527
21.0 Number of Centres 142,659
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 78.55