Grameen Bank
Performance Indicators & Ratio Analysis, December 2013
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2012 |
2013 |
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Institutional characteristic: |
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| 1 |
Total assets (In million Taka.) |
22,659 |
27,272 |
33,653 |
44,624 |
59,384 |
68,954 |
82,801 |
103,005 |
125,397 |
140,441 |
158,952 |
178,937 |
| Total assets (In million USD) |
391 |
467 |
558 |
678 |
849 |
1,005 |
1,205 |
1,491 |
1,781 |
1,763 |
1,974 |
2,301 |
| 2 |
Number of offices |
1,332 |
1,357 |
1,525 |
1,944 |
2,626 |
2,813 |
2,884 |
2,911 |
2,914 |
2,912 |
2,914 |
2,914 |
| Number of employees |
11,699 |
11,846 |
13,038 |
16,142 |
20,885 |
25,283 |
24,240 |
23,283 |
22,255 |
22,128 |
22,261 |
21,851 |
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Outreach indicators: |
| 3 |
Number of branches |
1,178 |
1,195 |
1,358 |
1,735 |
2,319 |
2,481 |
2,539 |
2,562 |
2,565 |
2,565 |
2,567 |
2,567 |
| 4 |
Number of members (In millions) |
2.48 |
3.12 |
4.06 |
5.58 |
6.91 |
7.41 |
7.67 |
7.97 |
8.34 |
8.37 |
8.37 |
8.54 |
| 5 |
Number of active borrowers (In millions) |
2.08 |
2.87 |
3.70 |
5.05 |
5.96 |
6.16 |
6.21 |
6.43 |
6.61 |
6.58 |
6.71 |
6.74 |
| 6 |
Number of active borrowers per branch (year-end) |
1,766 |
2,402 |
2,722 |
2,912 |
2,571 |
2,482 |
2,448 |
2,508 |
2,578 |
2,566 |
2,613 |
2,625 |
| 7 |
Number of loan officers |
7,448 |
7,495 |
7,925 |
9,166 |
12,048 |
14,561 |
14,000 |
13,262 |
12,613 |
12,537 |
12,779 |
12,826 |
| 8 |
Percent of women members |
95.20% |
95.44% |
95.66% |
96.27% |
96.70% |
96.85% |
96.88% |
96.79% |
96.39% |
96.12% |
96.23% |
96.21% |
| 9 |
Average loan balance per borrower (Taka) |
6,134 |
5,622 |
5,444 |
5,563 |
5,578 |
5,901 |
7,147 |
8,514 |
10,034 |
11,442 |
11,972 |
12,522 |
| Average loan balance per borrower (USD) |
106 |
96 |
90 |
85 |
80 |
86 |
104 |
123 |
143 |
144 |
149 |
161 |
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Loan portfolio |
| 10 |
Loans (Principal Amount) disbursed (In million Taka) |
15,869 |
21,467 |
25,873 |
39,183 |
49,871 |
50,430 |
62,105 |
79,408 |
96,149 |
108,539 |
118,609 |
126,026 |
| Loans (Principal Amount) disbursed (In million USD) |
274 |
369 |
435 |
612 |
727 |
731 |
906 |
1,151 |
1,366 |
1,362 |
1,473 |
1,621 |
| 11 |
Number of loans disbursed (In millions) |
2.13 |
3.19 |
3.81 |
5.09 |
6.45 |
6.37 |
7.18 |
8.25 |
8.61 |
8.00 |
8.17 |
7.38 |
| 12 |
Total loan outstanding (gross) (In million Taka) |
12,759 |
16,138 |
20,127 |
28,109 |
33,259 |
36,337 |
44,412 |
54,718 |
66,350 |
75,294 |
80,317 |
84,381 |
| Total loan outstanding (gross) (In million USD) |
220 |
276 |
334 |
427 |
476 |
530 |
646 |
792 |
943 |
945 |
997 |
1,085 |
| 13 |
Current (Performing) loans (In million Taka) |
12,533 |
15,679 |
19,535 |
27,388 |
32,365 |
34,927 |
42,782 |
52,318 |
64,354 |
72,387 |
76,742 |
81,291 |
| Current (Performing) loans (In million USD) |
216 |
268 |
324 |
416 |
463 |
509 |
623 |
757 |
914 |
909 |
953 |
1,046 |
| 14 |
Overdue loans (In milion Taka) |
116 |
371 |
368 |
479 |
595 |
1,023 |
1,236 |
1,439 |
633 |
1,019 |
1,624 |
1,496 |
| Overdue loans (In milion USD) |
2 |
6.35 |
6.11 |
7.28 |
8.51 |
14.91 |
17.99 |
20.82 |
8.99 |
12.79 |
20.17 |
19.24 |
| 15 |
Portfolio growth rate |
1.99% |
26.48% |
24.72% |
39.66% |
18.32% |
9.26% |
22.22% |
23.20% |
21.26% |
13.48% |
6.67% |
5.06% |
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Sustainability/Profitability ratios: |
| 16 |
Return on equity (ROE) |
2.93% |
10.63% |
8.98% |
21.22% |
25.83% |
1.79% |
21.21% |
5.64% |
10.74% |
8.97% |
17.10% |
13.65% |
| 17 |
Operating self sufficiency (OSS) |
102.00% |
111.10% |
109.88% |
115.65% |
117.41% |
101.02% |
112.20% |
102.63% |
104.46% |
103.31% |
106.17% |
105.15% |
| 18 |
Financial self sufficiency (FSS) |
99.60% |
107.88% |
105.70% |
110.40% |
112.28% |
94.84% |
106.07% |
99.21% |
99.20% |
95.79% |
99.62% |
99.59% |
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Asset / Liability management ratios: |
| 19 |
Yield on gross portfolio (nominal) |
17.98% |
18.51% |
18.89% |
19.24% |
20.21% |
19.12% |
19.03% |
19.43% |
19.69% |
19.80% |
19.98% |
19.82% |
| 20 |
Cost of funds ratio |
5.19% |
6.18% |
7.15% |
7.38% |
8.07% |
8.43% |
8.56% |
8.89% |
9.24% |
9.07% |
9.17% |
9.28% |
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Portfolio Quality: |
| 21 |
Portfolio at risk ratio (PAR) |
1.77% |
2.84% |
2.94% |
2.57% |
2.69% |
3.88% |
3.67% |
4.39% |
3.01% |
3.86% |
4.45% |
3.66% |
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Efficiency and productivity ratios: |
| 22 |
Productivity per loan officer |
291 |
399 |
487 |
579 |
520 |
442 |
465 |
509 |
552 |
553 |
553 |
553 |
| 23 |
Operating expense ratio |
11.19% |
10.52% |
9.22% |
9.87% |
9.71% |
10.60% |
10.83% |
11.36% |
11.24% |
10.06% |
9.51% |
9.88% |
| 24 |
Personnel expense / Loan portfolio |
8.70% |
8.12% |
6.88% |
6.92% |
6.60% |
7.11% |
7.32% |
7.71% |
7.67% |
7.07% |
6.65% |
6.82% |
| 25 |
Cost per borrower (In Taka) |
714 |
614 |
509 |
544 |
544 |
609 |
707 |
891 |
1,044 |
1,080 |
1,113 |
1,210 |
| Cost per borrower (In USD) |
12.33 |
10.50 |
8.44 |
8.27 |
7.78 |
8.87 |
10.29 |
12.89 |
14.83 |
13.56 |
13.82 |
15.56 |
| 26 |
Portfolio per loan officer (in million Taka) |
1.78 |
2.25 |
2.65 |
3.22 |
2.76 |
2.50 |
3.17 |
4.13 |
5.26 |
6.01 |
6.29 |
6.58 |
| Portfolio per loan officer (in million USD) |
0.031 |
0.038 |
0.044 |
0.049 |
0.039 |
0.036 |
0.046 |
0.060 |
0.075 |
0.075 |
0.078 |
0.085 |
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Financing structure: |
| 27 |
Capital adequacy ratio |
9.70% |
19.30% |
16.51% |
13.41% |
14.38% |
12.43% |
12.02% |
10.65% |
9.30% |
8.79% |
8.94% |
9.00% |
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