Grameen Bank - http://www.grameen.com

2015-07 Issue 427 BDT

Statement No: 1
Issue No : 427, Issue Date : August 05, 2015
 
Grameen Bank Monthly Update in Taka : July 2015
Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 1162,251.09
2.0  Cumulative Amount Repaid Since Inception 1071,988.70
3.0  Amount Disbursed this Month 8,228.85
4.0  Amount Repaid this Month 9,255.29
5.0  Outstanding Loan
  5.1 Basic Loan

79,399.67

5.2 Flexible Loan(a) 7,704.84
5.3 Housing Loan 16.53
5.4 Education Loan 2,875.42
5.5 Other Loans 265.93
5.6 Total : 90262.39
6.0  Rate of Recovery (b) 98.33
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan 258.93
7.2 Flexible Loan 1261.50
7.3 Total : 1520.43
8.0  Overdue Loan (d)
  8.1 Basic Loan (e) 595.48
8.2 Flexible Loan 797.02
8.3 Housing Loan 0.72
8.4 Other Loans 0.00
8.5 Total : 1393.21
9.0    Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 6,734,214
9.2 Amount Disbursed 230,545.95
9.3 Amount Repaid 209,410.43
10.0  Balance of Deposits
  10.1 Members’ Deposit 107,131.31
10.2 Non-Members’ Deposit 64,062.14 
10.3 Total : 171,193.44
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 208
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,246
12.0  Beggar Members
  12.1 No. of Beggar Members 78,420
12.2 Amount Disbursed (Cumulative) 175.30
12.3 Amount Repaid (Cumulative) 147.96
12.4 Amount of Savings (Balance) 9.15
13.0  Cumulative Number of Village Phones 1,539,606
14.0  Cumulative Number of Houses Built with Housing Loans 697,073
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 172,697
15.2 Amount paid out from Life Insurance Fund 294.73
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 9,161.71
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 359,861
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 4,225.65
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,584
17.2 No. of Male Students 40,837
17.3 Total : 53,421
17.4 Amount Disbursed (Female) 1,004.49
17.5 Amount Disbursed (Male) 2,531.16
17.6 Total : 3,535.65
18.0  Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female) 133,072
18.2 Scholarship Recipient (Male) 91,719
18.3 Total : 224,791
18.4 Scholarship Amount (Female) 217.44
18.5 Scholarship Amount (Male) 151.68
18.6 Total : 369.12
19.0  Number of Members(f)
  19.1 Female 8,348,410
19.2 Male 328,655
19.3 Total : 8,677,065
20.0  Number of Groups 1,343,701
21.0  Number of Centres 142,223
22.0  Number of Villages 81,390
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
  Note : Current Exchange Rate : 1 US$ = Taka 77.80