Banking
Grameen Bank Year End Update : December, 2009 Print
Sl. No. Particulars Million Taka
1.0  Cumulative Amount Disbursed Since Inception 498,311.47
2.0  Cumulative Amount Repaid Since Inception 443,596.94
3.0  Amount Disbursed this Month 6,669.34
4.0  Amount Repaid this Month 5,985.40
5.0  Outstanding Loan
  5.1 Basic Loan

51,111.96

5.2 Flexible Loan (a) 1,740.34
5.3 Housing Loan 200.79
5.4 Education Loan 1,451.33
5.5 Other Loans 210.12
5.6 Total : 54,714.54
6.0  Rate of Recovery (b) 96.55
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan 771.18
7.2 Flexible Loan 189.25
7.3 Total : 960.43
8.0  Overdue Loan (d)
  8.1 Basic Loan (e) 1,176.23
8.2 Flexible Loan 248.79
8.3 Housing Loan 12.94
8.4 Other Loans 1.08
8.5 Total : 1,439.04
9.0    Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans 2,179,300
9.2 Amount Disbursed 56,068.87
9.3 Amount Repaid 44,911.19
10.0  Balance of Deposits
  10.1 Members' Deposit 44,823.49
10.2 Non-Members' Deposit 38,130.13
10.3 Total : 82,953.62
11.0  Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans 152
11.2 Deposits and Own Resources as Percentage of Outstanding Loans 163
11.3 No. of Branches with more in Deposits than in Outstanding Loans 1,704
12.0  Beggar Members
  12.1 No. of Beggar Members 92,296
12.2 Amount Disbursed (Cumulative) 142.43
12.3 Amount Repaid (Cumulative) 108.53
12.4 Amount of Savings (Balance) 7.78
13.0  Cumulative Number of Village Phones 364,380
14.0  Cumulative Number of Houses Built with Housing Loans 679,577
15.0  Life Insurance Fund (Cumulative)
  15.1 No. of Deaths Among all Borrowers 122,814
15.2 Amount paid out from Life Insurance Fund 218.27
16.0  Loan Insurance
  16.1 Balance in Loan Insurance Savings 5,162.70
16.2 No. of Deaths Among Insured Borrowers (Cumulative) 149,829
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative) 1,187.69
17.0  Higher Education Loan (Cumulative)
  17.1 No. of Female Students 9,031
17.2 No. of Male Students 31,773
17.3 Total : 40,804
17.4 Amount Disbursed (Female) 325.11
17.5 Amount Disbursed (Male) 1,181.54
17.6 Total : 1,506.65
18.0  Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female) 53,853
18.2 Scholarship Recipient (Male) 38,701
18.3 Total : 92,554
18.4 Scholarship Amount (Female) 76.22
18.5 Scholarship Amount (Male) 56.38
18.6 Total : 132.60
19.0  Number of Members
  19.1 Female 7,714,854
19.2 Male 255,762
19.3 Total : 7,970,616
20.0  Number of Groups 1,253,160
21.0  Number of Centres 144,106
22.0  Number of Villages 83,458
23.0  Number of Branches 2,562
24.0  Number of Branches with Computerized Accounting and MIS 2,558
 
(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 third 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 against 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.
 
Note : Current Exchange Rate : 1 US$ = Taka 69.10.
 
   
   
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