2011-11 Issue 383 USD
Statement No: 1
Issue No : 383, Issue Date : December 11, 2011
 
Grameen Bank Monthly Update in US$ : November, 2011

Sl. No. Particulars Million US$ 
1.0  Cumulative Amount Disbursed Since Inception 11,465.58
2.0  Cumulative Amount Repaid Since Inception 10,217.61
3.0  Amount Disbursed this Month 110.78
4.0  Amount Repaid this Month 104.27
5.0  Outstanding Loan
  5.1 Basic Loan 871.84
5.2 Flexible Loan (a) 68.09
5.3 Housing Loan 1.01
5.4 Education Loan 31.27
5.5 Other Loans 2.61
5.6 Total (b): 974.82
6.0  Rate of Recovery (c) 96.82
7.0  Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (d)
  7.1 Basic Loan 10.07
7.2 Flexible Loan 14.58
7.3 Total : 24.65
8.0  Overdue Loan (e)
  8.1 Basic Loan (f) 8.388
8.2 Flexible Loan 5.424
8.3 Housing Loan 0.021
8.4 Other Loans 0.000
8.5 Total : 13.832
9.0   Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 3,656,145
9.2 Amount Disbursed 1,572.07
9.3 Amount Repaid 1,299.36
10.0  Balance of Deposits
  10.1 Members' Deposit 798.87
10.2 Non-Members' Deposit 616.11
10.3 Total : 1,414.98
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 145
  11.2 Deposits and Own Resources as Percentage of Outstanding Loans 160
  11.3 No. of Branches with more in Deposits than in Outstanding Loans 1,710
12.0  Beggar Members
  12.1 No. of Beggar Members 87,790
12.2 Amount Disbursed (Cumulative) 2.43
12.3 Amount Repaid (Cumulative) 1.93
12.4 Amount of Savings (Balance) 0.11
13.0  Cumulative Number of Village Phones 460,637
14.0  Cumulative Number of Houses Built with Housing Loans 690,991
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 138,521
15.2 Amount paid out from Life Insurance Fund 4.75
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 94.69
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 220,576
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 30.07
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 11,355
17.2 No. of Male Students 38,330
17.3 Total : 49,685
17.4 Amount Disbursed (Female) 9.63
17.5 Amount Disbursed (Male) 26.84
17.6 Total : 36.48
18.0  Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female) 77,487
18.2 Scholarship Recipient (Male) 55,544
18.3 Total : 133,031
18.4 Scholarship Amount (Female) 1.73
18.5 Scholarship Amount (Male) 1.26
18.6 Total : 3.00
19.0  Number of Members (g)
  19.1 Female 8,034,411
19.2 Male 322,690
19.3 Total : 8,357,101
20.0  Number of Groups 1,302,210
21.0  Number of Centres 143,999
22.0  Number of Villages 81,380
23.0  Number of Branches 2,565
24.0  Number of Branches with Computerized Accounting and MIS 2,565
 
(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 amount of a flexible loan which completes the third year is written off exactly on the date following its completion.
(b) This figure is not exactly equal to the difference 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 against all overdue loans. Entire outstanding amount of overdue loans are written off one year after they become 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 : 1 US$ = Taka 75.72