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MONTHLY REPORT: 2018-07 ISSUE 463 IN BDT

Statement No: 1
Issue No. : 463, Issue Date : August 12, 2018
Grameen Bank Monthly Update in BDT: July 2018
Sl. No. Particulars In million BDT
1.0 Cumulative Amount Disbursed Since Inception 1,798,424.97
2.0 Cumulative Amount Repaid Since Inception 1,646,311.74
3.0 Amount Disbursed this Month 23,965.20
4.0 Amount Repaid this Month 24,048.22
5.0 Outstanding Loans
5.1  Basic Loan 143,675.80
5.2  Flexible Loan (a) 5,138.74
5.3  Housing Loan 724.32
5.4  Education Loan 2,220.91
5.5  Other Loans 353.46
5.6  Total : 152,113.23
6.0 Rate of Recovery(b) 99.12
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Installments(c)
7.1  Basic Loan 236.30
7.2  Flexible Loan 751.46
7.3  Total : 987.76
8.0 Overdue Loan(d)
8.1  Basic Loan(e) 407.50
8.2  Flexible Loan 103.08
8.3  Housing Loan 0.24
8.4  Other Loans 0.00
8.5  Total : 510.82
9.0 Microenterprise Loan (Cumulative)
9.1  No. of Microenterprise Loans 11,853,604
9.2  Amount Disbursed 419,112.05
9.3  Amount Repaid 373,925.15
10.0 Balance of Deposits
10.1  Members’ Deposit 142,644.23
10.2  Non-Members’ Deposit 64,004.67
10.3 Total : 206,648.90
11.0 Deposits to Outstanding
11.1  Deposits as Percentage of Outstanding Loans 135.85
11.2  Deposits and Own Resources as Percentage of Outstanding Loans 148.38
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 77,421
12.2  Amount Disbursed (Cumulative) 180.12
12.3  Amount Repaid (Cumulative) 154.43
12.4  Amount of Savings (Balance) 9.14
13.0 Cumulative Number of Village Phones 1,891,951
14.0 Cumulative Number of Houses Built with Housing Loans 723,155
15.0 Life Insurance Fund (Cumulative)
15.1  No. of deaths among all Borrowers 195,026
15.2  Amount paid out from Life Insurance Fund 336.26
16.0 Loan Insurance
16.1  Balance in Loan Insurance Savings 15,044.05
16.2  No. of deaths among the Persons Insured  (Cumulative) 514,648
16.3 Amount of Outstanding Principal and Interest of the
Deceased Borrowers paid out from Insurance Fund (Cumulative)
7,002.08
17.0 Higher Education Loan (Cumulative)
17.1  No. of Female Students 12,978
17.2  No. of Male Students 40,989
17.3  Total : 53,967
17.4  Amount Disbursed (Female) 1,020.24
17.5  Amount Disbursed (Male) 2,764.69
17.6  Total : 3,784.93
18.0 Scholarship (Cumulative)
18.1  Scholarship Recipient (Female) 165,516
18.2  Scholarship Recipient (Male) 111,446
18.3  Total : 276,962
18.4  Scholarship Amount (Female) 298.79
18.5  Scholarship Amount (Male) 201.11
18.6  Total : 499.89
19.0 Number of Members (f)
19.1  Female 8,702,929
19.2  Male 297,706
19.3 Total : 9,000,635
20.0 Number of Groups 1,384,971
21.0 Number of Centres 139,035
22.0 Number of Villages 81,676
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) 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 for 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
Note: Current Exchange Rate : 1USD = BDT 83.70