2016-09 Issue 441 BDT

Statement No: 1
Issue No : 441, Issue Date : October 06, 2016
 
Grameen Bank Monthly Update in Taka : September 2016
Sl. No.ParticularsMillion Taka
1.0 Cumulative Amount Disbursed Since Inception1,364,485.58
2.0 Cumulative Amount Repaid Since Inception1,252,808.85
3.0 Amount Disbursed this Month12,681.53
4.0 Amount Repaid this Month12,244.94
5.0 Outstanding Loan
  5.1 Basic Loan

101,733.80

5.2 Flexible Loan (a)6,835.23
5.3 Housing Loan187.08
5.4Education Loan2,646.51
5.5 Other Loans274.12
5.6Total :111,676.73
6.0 Rate of Recovery (b)98.96
7.0Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1 Basic Loan97.92
7.2 Flexible Loan1,228.73
7.3 Total :1,326.65
8.0 Overdue Loan (d)
  8.1 Basic Loan (e)393.47
8.2 Flexible Loan639.07
8.3 Housing Loan0.59
8.4 Other Loans0.00
8.5 Total :1,033.14
9.0   Microenterprise Loan (Cumulative)
  9.1 No. of Microenterprise Loans8,276,650
9.2 Amount Disbursed288,514.12
9.3 Amount Repaid258,482.08
10.0 Balance of Deposits
  10.1 Members’ Deposit117,950.07
10.2Non-Members’ Deposit67,708.50
10.3 Total :185,658.56
11.0 Deposits to Outstanding
  11.1 Deposits as Percentage of Outstanding Loans166
11.2 Deposits and Own Resources as Percentage of Outstanding Loans182
11.3 No. of Branches with more in Deposits than in Outstanding Loans2,125
12.0 Beggar Members
 12.1No. of Beggar Members 77,657
12.2Amount Disbursed (Cumulative) 177.53
12.3Amount Repaid (Cumulative) 151.02
12.4Amount of Savings (Balance) 9.33
13.0 Cumulative Number of Village Phones1,675,124
14.0 Cumulative Number of Houses Built with Housing Loans701,543
15.0 Life Insurance Fund (Cumulative)
  15.1No. of Deaths Among all Borrowers182,756
15.2 Amount paid out from Life Insurance Fund311.35
16.0 Loan Insurance
  16.1 Balance in Loan Insurance Savings11,122.25
16.2 No. of Deaths Among Insured Borrowers (Cumulative)405,834
16.3 Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative)5,199.26
17.0 Higher Education Loan (Cumulative)
  17.1 No. of Female Students12,690
17.2 No. of Male Students40,818
17.3 Total :53,508
17.4 Amount Disbursed (Female)931.21
17.5 Amount Disbursed (Male)2,723.38
17.6 Total :3,654.60
18.0 Scholarship (Cumulative)
  18.1 Scholarship Recipient (Female)144,013
18.2 Scholarship Recipient (Male)98,563
18.3 Total :242,576
18.4 Scholarship Amount (Female)244.60
18.5 Scholarship Amount (Male)168.63
18.6 Total :413.23
19.0 Number of Members(f)
  19.1 Female8,571,401
19.2 Male304,800
19.3 Total :8,876,201
20.0 Number of Groups1,367,799
21.0 Number of Centres142,472
22.0 Number of Villages81,393
23.0 Number of Branches2,568
24.0 Number of Branches with Computerized Accounting and MIS2,568

(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 mounts of flexible loans with age of two years and more. The portions of flexible loans which complete he 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 verdue 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.

(f)Number of members includes both Beggar Members and Higher Education Loan recipients mentioned in item no. 12.1 & 17.3 respectively.Higher Education loans updated this month.
  Note : Current Exchange Rate : 1 US$ = Taka 78.40