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

2016-06 Issue 438 BDT

Statement No: 1
Issue No : 438, Issue Date : July 13, 2016
 
Grameen Bank Monthly Update in Taka : June 2016
Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 1,323,353.74
2.0  Cumulative Amount Repaid Since Inception 1,213,964.71
3.0  Amount Disbursed this Month 17,208.38
4.0  Amount Repaid this Month 14,817.40
5.0  Outstanding Loan
  5.1 Basic Loan

99,276.71

5.2 Flexible Loan (a) 7,067.87
5.3 Housing Loan 74.42
5.4 Education Loan 2,702.20
5.5 Other Loans 267.82
5.6 Total : 109,389.02
6.0  Rate of Recovery (b) 98.82
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan 103.46
7.2 Flexible Loan 1,423.85
7.3 Total : 1,527.32
8.0  Overdue Loan (d)
  8.1 Basic Loan (e) 468.74
8.2 Flexible Loan 798.86
8.3 Housing Loan 0.60
8.4 Other Loans 0.00
8.5 Total : 1,268.20
9.0    Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 7,941,290
9.2 Amount Disbursed 276,476.77
9.3 Amount Repaid 246,789.51
10.0  Balance of Deposits
  10.1 Members’ Deposit 117,415.77
10.2 Non-Members’ Deposit 66,448.09 
10.3 Total : 183,863.85
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 168
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 184
11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,131
12.0  Beggar Members
  12.1 No. of Beggar Members 77,740
12.2 Amount Disbursed (Cumulative) 177.18
12.3 Amount Repaid (Cumulative) 150.52
12.4 Amount of Savings (Balance) 9.32
13.0  Cumulative Number of Village Phones 1,661,591
14.0  Cumulative Number of Houses Built with Housing Loans 698,823
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 181,071
15.2 Amount paid out from Life Insurance Fund 307.70
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 10,721.55
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 396,570
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 5,013.51
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,677
17.2 No. of Male Students 40,802
17.3 Total : 53,479
17.4 Amount Disbursed (Female) 922.17
17.5 Amount Disbursed (Male) 2,714.42
17.6 Total : 3,636.59
18.0  Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female) 144,011
18.2 Scholarship Recipient (Male) 98,562
18.3 Total : 242,573
18.4 Scholarship Amount (Female) 244.59
18.5 Scholarship Amount (Male) 168.63
18.6 Total : 413.22
19.0  Number of Members(f)
  19.1 Female 8,548,060
19.2 Male 305,901
19.3 Total : 8,853,961
20.0  Number of Groups 1,365,508
21.0  Number of Centres 142,607
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 78.40