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

MONTHLY REPORT: 2018-02 ISSUE 458 IN BDT

Statement No: 1                                                                             
Issue No. : 458, Issue Date : March 6, 2018
Grameen Bank Monthly Update in BDT: February 2018
Sl. No. Particulars In million BDT
1.0 Cumulative Amount Disbursed Since Inception 1,696,471.17
2.0 Cumulative Amount Repaid Since Inception 1,547,734.03
3.0 Amount Disbursed this Month 20,229.44
4.0 Amount Repaid this Month 18,184.95
5.0 Outstanding Loans
5.1  Basic Loan 140,536.85
5.2  Flexible Loan (a) 4,935.03
5.3  Housing Loan 718.84
5.4  Education Loan 2,321.03
5.5  Other Loans 225.38
5.6  Total : 148,737.14
6.0 Rate of Recovery(b) 99.23
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Installments(c)
7.1  Basic Loan 257.39
7.2  Flexible Loan 744.87
7.3  Total : 1,002.26
8.0 Overdue Loan(d)
8.1  Basic Loan(e) 351.02
8.2  Flexible Loan 148.62
8.3  Housing Loan 0.54
8.4  Other Loans 0.00
8.5  Total : 500.18
9.0 Microenterprise Loan (Cumulative)
9.1  No. of Microenterprise Loans 11,039,705
9.2  Amount Disbursed 389,563.64
9.3  Amount Repaid 343,642.74
10.0 Balance of Deposits
10.1  Members’ Deposit 140,688.19
10.2  Non-Members’ Deposit 64,400.44
10.3 Total : 205,088.63
11.0 Deposits to Outstanding
11.1  Deposits as Percentage of Outstanding Loans 137.89
11.2  Deposits and Own Resources as Percentage of Outstanding Loans 151.19
11.3  No. of Branches with more in Deposits than in Outstanding Loans 1,754
12.0 Beggar Members
12.1  No. of Beggar Members 77,402
12.2  Amount Disbursed (Cumulative) 180
12.3  Amount Repaid (Cumulative) 154
12.4  Amount of Savings (Balance) 9.24
13.0 Cumulative Number of Village Phones 1,813,867
14.0 Cumulative Number of Houses Built with Housing Loans 718,899
15.0 Life Insurance Fund (Cumulative)
15.1  No. of deaths among all Borrowers 192,385
15.2  Amount paid out from Life Insurance Fund 330.96
16.0 Loan Insurance
16.1  Balance in Loan Insurance Savings 14,434.22
16.2  No. of deaths among the Persons Insured  (Cumulative) 467,319
16.3 Amount of Outstanding Principal and Interest of the
Deceased Borrowers paid out from Insurance Fund (Cumulative)
6,566.33
17.0 Higher Education Loan (Cumulative)
17.1  No. of Female Students 12,956
17.2  No. of Male Students 40,954
17.3  Total : 53,910
17.4  Amount Disbursed (Female) 1,006.87
17.5  Amount Disbursed (Male) 2,758.68
17.6  Total : 3,765.56
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) 285.28
18.5  Scholarship Amount (Male) 193.26
18.6  Total : 478.55
19.0 Number of Members (f)
19.1  Female 8,652,310
19.2  Male 299,039
19.3 Total : 8,951,349
20.0 Number of Groups 1,382,449
21.0 Number of Centres 140,089
22.0 Number of Villages 81,401
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
(h) Note: Current Exchange Rate : 1USD = BDT 82.92