Monthly Report: 2017-11 Issue 455 in USD

Statement No : 1
Issue No. : 455, Issue Date : December 5, 2017
Grameen Bank Monthly Update in USD : November 2017
Sl. No. Particulars In million USD
1.0 Cumulative Amount Disbursed Since Inception 23,327.88
2.0 Cumulative Amount Repaid Since Inception 21,224.30
3.0 Amount Disbursed this Month 283.03
4.0 Amount Repaid this Month 252.80
5.0 Outstanding Loans  
5.1  Basic Loan 1,652.08
5.2  Flexible Loan (a) 60.55
5.3  Housing Loan 7.63
5.4  Education Loan 29.43
5.5  Other Loans 2.75
5.6  Total (b) : 1,752.43
6.0 Rate of Recovery(c) 99.25
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Installments(d)
7.1  Basic Loan 2.16
7.2  Flexible Loan 11.06
7.3  Total : 13.22
8.0 Overdue Loan(e)  
8.1  Basic Loan(f) 4.765
8.2  Flexible Loan 2.125
8.3  Housing Loan 0.003
8.4  Other Loans 0.000
8.5  Total : 6.893
9.0 Microenterprise Loan (Cumulative)
9.1  No. of Microenterprise Loans 10,540,592
9.2  Amount Disbursed 4,874.09
9.3  Amount Repaid 4,279.92
10.0 Balance of Deposits  
10.1  Members’ Deposit 1,603.62
10.2  Non-Members’ Deposit 794.86
10.3 Total : 2,398.49
11.0 Deposits to Outstanding  
11.1  Deposits as Percentage of Outstanding Loans 137
11.2  Deposits and Own Resources as Percentage of Outstanding Loans 149
11.3  No. of Branches with more in Deposits than in Outstanding Loans 1,759
12.0 Beggar Members
12.1  No. of Beggar Members 77,329
12.2  Amount Disbursed (Cumulative) 2.64
12.3  Amount Repaid (Cumulative) 2.21
12.4  Amount of Savings (Balance) 0.11
13.0 Cumulative Number of Village Phones 1,790,377
14.0 Cumulative Number of Houses Built with Housing Loans 714,554
15.0 Life Insurance Fund (Cumulative)  
15.1  No. of deaths among all Borrowers 190,968
15.2  Amount paid out from Life Insurance Fund 5.84
16.0 Loan Insurance  
16.1  Balance in Loan Insurance Savings 171.45
16.2  No. of deaths among the Persons Insured  (Cumulative) 455,073
16.3 Amount of Outstanding Principal and Interest of the
Deceased Borrowers paid out from Insurance Fund (Cumulative)
 
83.94
17.0 Higher Education Loan (Cumulative)  
17.1  No. of Female Students 12,941
17.2  No. of Male Students 40,926
17.3  Total : 53,867
17.4  Amount Disbursed (Female) 13.69
17.5  Amount Disbursed (Male) 38.26
17.6  Total : 51.95
18.0 Scholarship (Cumulative)  
18.1  Scholarship Recipient (Female) 154,689
18.2  Scholarship Recipient (Male) 105,040
18.3  Total : 259,729
18.4  Scholarship Amount (Female) 3.68
18.5  Scholarship Amount (Male) 2.51
18.6  Total : 6.19
19.0 Number of Members (g)  
19.1  Female 8,635,432
19.2  Male 298,768
19.3 Total : 8,934,200
20.0 Number of Groups 1,380,475
21.0 Number of Centres 140,475
22.0 Number of Villages 81,400
23.0 Number of Branches 2,568
24.0 Number of Branches with Computerised 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 thrid year are written off exactly on the date following their completion.
(b) This figure is not exactly equal to the differece 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 for all overdue loans.  Entire outstanding amount of overdue loans are written off one year after they became 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 : 1USD = BDT 80.81