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

MONTHLY REPORT: 2018-11 ISSUE 467 IN USD

Statement No: 1                 
Issue No. : 467, Issue Date : December 05, 2018
Grameen Bank Monthly Update In USD: November 2018
Sl. No. Particulars In million USD
1.0 Cumulative Amount Disbursed Since Inception 26,294.63
2.0 Cumulative Amount Repaid Since Inception 24,073.98
3.0 Amount Disbursed this Month 251.70
4.0 Amount Repaid this Month 241.01
5.0 Outstanding Loans
5.1  Basic Loan 1,702.35
5.2  Flexible Loan (a) 61.63
5.3  Housing Loan 10.44
5.4  Education Loan 25.66
5.5  Other Loans 4.04
5.6  Total (b) : 1,804.12
6.0 Rate of Recovery(c) 99.06
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Installments(d)
7.1  Basic Loan 3.62
7.2  Flexible Loan 8.25
7.3  Total : 11.87
8.0 Overdue Loan(e)
8.1  Basic Loan(f) 6.590
8.2  Flexible Loan 1.837
8.3  Housing Loan 0.001
8.4  Other Loans 0.000
8.5  Total : 8.428
9.0 Microenterprise Loan (Cumulative)
9.1  No. of Microenterprise Loans 12,508,873
9.2  Amount Disbursed 5,745.66
9.3  Amount Repaid 5,143.64
10.0 Balance of Deposits
10.1  Members’ Deposit 1,727.12
10.2  Non-Members’ Deposit 783.65
10.3 Total : 2,510.77
11.0 Deposits to Outstanding
11.1  Deposits as Percentage of Outstanding Loans 139
11.2  Deposits and Own Resources as Percentage of Outstanding Loans 151
11.3  No. of Branches with more in Deposits than in Outstanding Loans 1,832
12.0 Beggar Members
12.1  No. of Beggar Members 77,437
12.2  Amount Disbursed (Cumulative) 2.65
12.3  Amount Repaid (Cumulative) 2.23
12.4  Amount of Savings (Balance) 0.11
13.0 Cumulative Number of Village Phones 1,934,654
14.0 Cumulative Number of Houses Built with Housing Loans 730,544
15.0 Life Insurance Fund (Cumulative)
15.1  No. of deaths among all Borrowers 197,164
15.2  Amount paid out from Life Insurance Fund 5.99
16.0 Loan Insurance
16.1  Balance in Loan Insurance Savings 182.65
16.2  No. of deaths among the Persons Insured  (Cumulative) 527,317
16.3 Amount of Outstanding Principal and Interest of the
Deceased Borrowers paid out from Insurance Fund (Cumulative)
96.10
17.0 Higher Education Loan (Cumulative)
17.1  No. of Female Students 13,088
17.2  No. of Male Students 41,039
17.3  Total : 54,127
17.4  Amount Disbursed (Female) 14.24
17.5  Amount Disbursed (Male) 38.46
17.6  Total : 52.70
18.0 Scholarship (Cumulative)
18.1  Scholarship Recipient (Female) 165,517
18.2  Scholarship Recipient (Male) 111,446
18.3  Total : 276,963
18.4  Scholarship Amount (Female) 4.00
18.5  Scholarship Amount (Male) 2.70
18.6  Total : 6.70
19.0 Number of Members (g)
19.1  Female 8,745,929
19.2  Male 302,535
19.3 Total : 9,048,464
20.0 Number of Groups 1,387,602
21.0 Number of Centres 138,505
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 83.87