2016-10 Issue 442 BDT

Statement No: 1
Issue No : 442, Issue Date : November 07, 2016
Grameen Bank Monthly Update in Taka : October 2016
Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 1,381,370.80
2.0  Cumulative Amount Repaid Since Inception 1,267,937.33
3.0  Amount Disbursed this Month 16,885.22
4.0  Amount Repaid this Month 15,128.48
5.0  Outstanding Loan
5.1 Basic Loan 103,849.32
5.2 Flexible Loan (a) 6,484.96
5.3 Housing Loan 196.46
5.4 Education Loan 2,627.26
5.5 Other Loans 275.46
5.6 Total : 113,433.47
6.0  Rate of Recovery (b) 99.00
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
7.1 Basic Loan 93.80
7.2 Flexible Loan 1,333.15
7.3 Total : 1426.95
8.0  Overdue Loan (d)
8.1 Basic Loan (e) 362.09
8.2 Flexible Loan 508.08
8.3 Housing Loan 0.58
8.4 Other Loans 0.00
8.5 Total : 870.75
9.0  Microenterprise Loan (Cumulative)
9.1 No. of Microenterprise Loans 8,416,203
9.2 Amount Disbursed 293,461.94
9.3 Amount Repaid 262804.32
10.0  Balance of Deposits
10.1 Members’ Deposit 118,046.78
10.2 Non-Members’ Deposit 67,692.75
10.3 Total : 185,739.53
11.0  Deposits to Outstanding
11.1 Deposits as Percentage of Outstanding Loans 164
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 179
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,104
12.0  Beggar Members
12.1 No. of Beggar Members 77,654
12.2 Amount Disbursed (Cumulative) 177.64
12.3 Amount Repaid (Cumulative) 151.19
12.4 Amount of Savings (Balance) 9.28
13.0  Cumulative Number of Village Phones 1,680,680
14.0  Cumulative Number of Houses Built with Housing Loans 701,922
15.0  Life Insurance Fund (Cumulative)
15.1 No. of Deaths Among all Borrowers 183,457
15.2 Amount paid out from Life Insurance Fund 312.78
16.0  Loan Insurance
16.1 Balance in Loan Insurance Savings 11,309.26
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 409,101
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 5,269.39
17.0  Higher Education Loan (Cumulative)
17.1 No. of Female Students 12,719
17.2 No. of Male Students 40,830
17.3 Total : 53,549
17.4 Amount Disbursed (Female) 935.57
17.5 Amount Disbursed (Male) 2,726.35
17.6 Total : 3,661.91
18.0  Scholarship (Cumulative)
18.1 Scholarship Recipient (Female) 144,013
18.2 Scholarship Recipient (Male) 98,563
18.3 Total : 242,576
18.4 Scholarship Amount (Female) 244.60
18.5 Scholarship Amount (Male) 168.63
18.6 Total : 413.23
19.0  Number of Members(f)
19.1 Female 8,584,004
19.2 Male 306,338
19.3 Total : 8,890,342
20.0  Number of Groups 1,369,647
21.0  Number of Centres 142,273
22.0  Number of Villages 81,393
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 78.40