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

2016-09 Issue 441 USD

Statement No: 1
Issue No : 441, Issue Date : October 06, 2016
 
Grameen Bank Monthly Update in US$ : Sptember, 2016
Sl. No. Particulars Million US$ 
1.0  Cumulative Amount Disbursed Since Inception 19,995.69
2.0  Cumulative Amount Repaid Since Inception 18,268.33
3.0  Amount Disbursed this Month 261.75
4.0  Amount Repaid this Month 156.19
5.0  Outstanding Loan
  5.1 Basic Loan 1,297.62
5.2 Flexible Loan (a) 87.18
5.3 Housing Loan 2.39
5.4 Education Loan 33.76
5.5 Other Loans 3.50
5.6 Total (b): 1,424.45
6.0  Rate of Recovery (c) 98.96
7.0  Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (d)
  7.1 Basic Loan 1.25
7.2 Flexible Loan 15.67
7.3 Total : 16.92
8.0  Overdue Loan (e)
  8.1 Basic Loan (f) 5.019
8.2 Flexible Loan 8.151
8.3 Housing Loan 0.008
8.4 Other Loans 0.000
8.5 Total : 13.178
9.0   Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 8,276,650
9.2 Amount Disbursed 3,858.95
9.3 Amount Repaid 3,434.93
10.0  Balance of Deposits
  10.1 Members’ Deposit 1,504.47
10.2 Non-Members’ Deposit 863.63
10.3 Total : 2,368.09
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 166
  11.2 Deposits and Own Resources as Percentage of Outstanding Loans 182
  11.3 No. of Branches with more in Deposits than in Outstanding Loans 2,125
12.0  Beggar Members
  12.1 No. of Beggar Members 77,657
12.2 Amount Disbursed (Cumulative) 2.62
12.3 Amount Repaid (Cumulative) 2.18
12.4 Amount of Savings (Balance) 0.12
13.0  Cumulative Number of Village Phones 1,675,124
14.0  Cumulative Number of Houses Built with Housing Loans 701,543
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 182,765
15.2 Amount paid out from Life Insurance Fund 5.63
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 141.87
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 405,834
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 69.99
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 12,690
17.2 No. of Male Students 40,818
17.3 Total : 53,508
17.4 Amount Disbursed (Female) 12.93
17.5 Amount Disbursed (Male) 37.88
17.6 Total : 50.81
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) 3.33
18.5 Scholarship Amount (Male) 2.30
18.6 Total : 5.64
19.0  Number of Members (g)
  19.1 Female 8,571,401
19.2 Male 304,800
19.3 Total : 8,876201
20.0  Number of Groups 1,367,799
21.0  Number of Centres 142,472
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 amount of a flexible loan which completes the third year is written off exactly on the date following its completion.
(b) This figure is not exactly equal to the difference between items 1 and 2 because of difference in conversion rates.
(c) Amount repaid as a percentage of amount due.
(d) If a borrower misses ten consecutive instalments, the entire outstanding loan is treated as an overdue loan.
(e) 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 become overdue.
(f) 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.
(g)  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  78.40