2016-11 Issue 443 BDT

Statement No: 1
Issue No : 443, Issue Date : December 5,2016
Grameen Bank Monthly Update in Taka : November, 2016
Sl. No. Particulars Million Taka
1.0 Cumulative Amount Disbursed Since Inception 1,400,379.71
2.0 Cumulative Amount Repaid Since Inception 1,284,560.70
3.0 Amount Disbursed this Month 19,008.91
4.0 Amount Repaid this Month 16,623.37
5.0 Outstanding Loan
5.1 Basic Loan 106,588.47
5.2 Flexible Loan (a) 6,130.09
5.3 Housing Loan 207.11
5.4 Education Loan 2,616.34
5.5 Other Loans 276.99
5.6 Total : 115,819.00
6.0 Rate of Recovery (b) 99.06
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
7.1 Basic Loan 100.41
7.2 Flexible Loan 1,427.55
7.3 Total : 1527.97
8.0 Overdue Loan (d)
8.1 Basic Loan (e) 332.25
8.2 Flexible Loan 410.15
8.3 Housing Loan 0.57
8.4 Other Loans 0.00
8.5 Total : 742.98
9.0 Microenterprise Loan (Cumulative)
9.1 No. of Microenterprise Loans 8,579,308
9.2 Amount Disbursed 299,152.85
9.3 Amount Repaid 267,263.29
10.0 Balance of Deposits
10.1 Members’ Deposit 118,618.95
10.2 Non-Members’ Deposit 67,516.51
10.3 Total : 186,135.46
11.0 Deposits to Outstanding
11.1 Deposits as Percentage of Outstanding Loans 161
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 175
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,085
12.0 Beggar Members
12.1 No. of Beggar Members 77,631
12.2 Amount Disbursed (Cumulative) 177.78
12.3 Amount Repaid (Cumulative) 151.40
12.4 Amount of Savings (Balance) 9.22
13.0 Cumulative Number of Village Phones 1,685,032
14.0 Cumulative Number of Houses Built with Housing Loans 702,352
15.0 Life Insurance Fund (Cumulative)
15.1 No. of Deaths Among all Borrowers 184,191
15.2 Amount paid out from Life Insurance Fund 314.21
16.0 Loan Insurance
16.1 Balance in Loan Insurance Savings 11,529.22
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 413,042
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 5,346.81
17.0 Higher Education Loan (Cumulative)
17.1 No. of Female Students 12,788
17.2 No. of Male Students 40,841
17.3 Total : 53,629
17.4 Amount Disbursed (Female) 945.96
17.5 Amount Disbursed (Male) 2,729.41
17.6 Total : 3675.37
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 8,592,007
19.2 Male 305,915
19.3 Total : 8,897,922
20.0 Number of Groups 1,370,147
21.0 Number of Centres 142,121
22.0 Number of Villages 81,394
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 for 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.
Note : Current Exchange Rate : 1US$ = Taka 78.40