2016-04 Issue 436 BDT

Statement No: 1
Issue No : 436, Issue Date : May 08, 2016
 
Grameen Bank Monthly Update in Taka : April 2016
Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 1,290,479.94
2.0  Cumulative Amount Repaid Since Inception 1,185,170.44
3.0  Amount Disbursed this Month 13,913.11
4.0  Amount Repaid this Month 12,224.62
5.0  Outstanding Loan
  5.1 Basic Loan

94,988.99

5.2 Flexible Loan (a) 7,286.27
5.3 Housing Loan 14.08
5.4 Education Loan 2,740.27
5.5 Other Loans 279.89
5.6 Total : 105,309.50
6.0  Rate of Recovery (b) 98.66
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan 117.97
7.2 Flexible Loan 1,256.07
7.3 Total : 1,374.04
8.0  Overdue Loan (d)
  8.1 Basic Loan (e) 571.20
8.2 Flexible Loan 953.21
8.3 Housing Loan 0.66
8.4 Other Loans 0.00
8.5 Total : 1,525.07
9.0    Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 7,719,105
9.2 Amount Disbursed 267,904.46
9.3 Amount Repaid 239,149.34
10.0  Balance of Deposits
  10.1 Members’ Deposit 117,249.33
10.2 Non-Members’ Deposit 66,866.26
10.3 Total : 184,115.59
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 175
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 191
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,174
12.0  Beggar Members
  12.1 No. of Beggar Members 78,021
12.2 Amount Disbursed (Cumulative) 176.83
12.3 Amount Repaid (Cumulative) 150.10
12.4 Amount of Savings (Balance) 9.42
13.0  Cumulative Number of Village Phones 1,654,332
14.0  Cumulative Number of Houses Built with Housing Loans 697,395
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 179,701
15.2 Amount paid out from Life Insurance Fund 305.36
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 10,368.32
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 389,515
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 4,856.92
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,668
17.2 No. of Male Students 40,785
17.3 Total : 53,453
17.4 Amount Disbursed (Female) 918.89
17.5 Amount Disbursed (Male) 2,707.42
17.6 Total : 3,626.30
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 8,537,710
19.2 Male 308,061
19.3 Total : 8,845,771
20.0  Number of Groups 1,363,575
21.0  Number of Centres 142,586
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 78.41