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

MONTHLY REPORT: 2017-12 ISSUE 456 IN USD

Statement No : 1                                                                             
Issue No. : 456, Issue Date : January 7, 2018
Grameen Bank Monthly Update In USD : December 2017
Sl. No. Particulars In million USD
1.0 Cumulative Amount Disbursed Since Inception 23,596.17
2.0 Cumulative Amount Repaid Since Inception 21,457.88
3.0 Amount Disbursed this Month 268.30
4.0 Amount Repaid this Month 233.58
5.0 Outstanding Loans  
5.1  Basic Loan 1,650.78
5.2  Flexible Loan (a) 60.14
5.3  Housing Loan 8.29
5.4  Education Loan 28.51
5.5  Other Loans 2.70
5.6  Total (b) : 1,750.42
6.0 Rate of Recovery(c) 99.24
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Installments(d)  
7.1  Basic Loan 2.08
7.2  Flexible Loan 10.40
7.3  Total : 12.48
8.0 Overdue Loan(e)  
8.1  Basic Loan(f) 3.36
8.2  Flexible Loan 2.36
8.3  Housing Loan 0.00
8.4  Other Loans 0.00
8.5  Total : 5.72
9.0 Microenterprise Loan (Cumulative)  
9.1  No. of Microenterprise Loans 10,727,759
9.2  Amount Disbursed 4,954.13
9.3  Amount Repaid 4,348.98
10.0 Balance of Deposits
10.1  Members’ Deposit 1,707.61
10.2  Non-Members’ Deposit 812.35
10.3 Total : 2,519.96
11.0 Deposits to Outstanding  
11.1  Deposits as Percentage of Outstanding Loans 143.96
11.2  Deposits and Own Resources as Percentage of Outstanding Loans 155.48
11.3  No. of Branches with more in Deposits than in Outstanding Loans 1,856
12.0 Beggar Members  
12.1  No. of Beggar Members 77,327
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 1,798,958
14.0 Cumulative Number of Houses Built with Housing Loans 716,642
15.0 Life Insurance Fund (Cumulative)  
15.1  No. of deaths among all Borrowers 191,619
15.2  Amount paid out from Life Insurance Fund 5.85
16.0 Loan Insurance  
16.1  Balance in Loan Insurance Savings 170.60
16.2  No. of deaths among the Persons Insured  (Cumulative) 458,886
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative)
84.99
17.0 Higher Education Loan (Cumulative)  
17.1  No. of Female Students 12,945
17.2  No. of Male Students 40,937
17.3  Total : 53,882
17.4  Amount Disbursed (Female) 13.70
17.5  Amount Disbursed (Male) 38.28
17.6  Total : 51.97
18.0 Scholarship (Cumulative)  
18.1  Scholarship Recipient (Female) 155,549
18.2  Scholarship Recipient (Male) 105,579
18.3  Total : 261,128
18.4  Scholarship Amount (Female) 3.84
18.5  Scholarship Amount (Male) 2.61
18.6  Total : 6.45
19.0 Number of Members (g)  
19.1  Female 8,635,961
19.2  Male 298,913
19.3 Total : 8,934,874
20.0 Number of Groups 1,381,103
21.0 Number of Centres 140,262
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 82.55