Past Ten Years of Grameen Bank

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At a Glance

Financial Intermediation Indicator

Pension Benefits Paid

to Retiring Staff

Sources of Fund

Past Ten Years at a Glance (1997- 2006)

(In Million Taka)

Sl. No.	Particulars		1997	1998	1999	2000	2001	2002	2003	2004	2005	2006
1.0	Authorised Capital		500	500	500	500	500	500	500	500	500	500
2.0	Own Fund :
&nbsp	2.1	Paid-up Capital	246	258	265	270	272	276	291	318	318	318
	2.2	Capital and Other Reserve	92	1908	1764	1764	1764	1764	7943	4396	4396	5793
	2.3	Miscellaneous	859	182	463	497	587	760	1281	1644	2840	3308
	2.4	Total :	1197	2348	2491	2530	2623	2800	9515	6358	7554	9419
3.0	Deposits		4978	5222	5551	6115	7169	8952	13306	20833	31771	44342
4.0	Other Sources of Fund		1297	658	792	399	208	143	109	3566	3382	3767
5.0	Borrowings		11293	10836	11640	10629	9781	6978	4213	2896	1917	1855
6.0	Assets :
&nbsp	6.1	Loan and Advances (Before Provision)	14182	16210	14382	13180	13061	13400	16824	20846	28897	34145
	6.2	Investment	4600	1807	4787	5229	5143	4021	5335	7226	9987	19744
	6.3	Cash and Bank Balance	375	470	404	242	416	441	585	798	980	900
	6.4	Fixed Assets	752	879	986	963	945	921	911	906	955	1045
	6.5	Other Assets	1460	1706	2088	2338	2299	2106	3488	3877	3805	3549
	6.6	Total Assets	21369	21072	22647	21952	21864	20889	27144	33653	44624	59383
7.0	Own Fund as Percentage of Loan & Advances		8%	14%	17%	19%	20%	21%	57%	30%	26%	28%
8.0	Own Fund and Deposits as Percentage of Loan & Advances		44%	47%	56%	66%	75%	88%	135%	130%	136%	157%
9.0	Total Income (Before Provision)		2821	3021	3156	3008	3167	3040	3577	4696	7395	9430
10.0	Expenses :
&nbsp	10.1	Salaries & Other Related Expenses	932	1072	1222	1176	1117	1156	1240	1247	1669	2025
	10.2	Interest Expenses	875	880	1020	979	1026	893	1104	1583	2286	3471
	10.3	Other Expenses	254	219	209	218	248	258	280	425	710	953
	10.4	Provision Expenses	746	746	629	624	717	673	596	1019	1729	1583
	10.5	Total Expenses	2807	2917	3080	2997	3108	2980	3220	4274	6394	8032
11.0	Net Profit		15	103	77	11	59	60	357	422	1000	1398
12.0	Provision Balance		2304	2987	3389	3789	3601	3729	3547	2976	2705	2826
13.0	Bad Debt		19	64	227	224	906	545	778	1590	2000	1726
14.0	Bad Debt Recovery		6	7	6	11	47	105	133	154	852	641
15.0	Accumulated Disbursement(including housing loan)		88021	108114	124035	138069	154105	169974	191440	217313	256497	306369
16.0	Number of Employees		12628	12850	12427	11028	11841	11709	11855	13049	16142	20885
17.0	Number of Members		2272503	2368347	2357083	2378356	2378601	2483006	3123802	4059632	5579399	6908704
18.0	Number of Centres		64701	66712	67691	68467	68591	70928	74703	81609	99502	121755
19.0	Number of Villages		37937	39045	39706	40225	40447	41636	43681	48472	59912	74462
20.0	Numberof Branches		1105	1137	1149	1160	1173	1178	1195	1358	1735	2319

Note: Please visit our web site www.grameen-info.org and www.grameen.com for more information.

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Financial Intermediation Indicators
(1997-2006)

(In Billion Taka)

Particulars	Years
Particulars	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006
Balance of Deposits	5.00	5.23	5.56	6.13	7.17	8.95	13.31	20.83	31.77	44.34
Balance of Loan (Before Write off )	13.89	15.81	13.91	12.66	12.78	12.69	16.10	20.08	28.07	33.23
Balance of Borrowings	11.29	10.84	11.64	10.63	9.78	6.98	4.21	2.90	1.92	1.86
Deposit to Loan Ratio	36%	33%	40%	48%	56%	71%	83%	104%	113%	133%
Deposit to Borrowings Ratio	44%	48%	48%	58%	73%	128%	316%	718%	1655%	2384%

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Pension Benefits Paid to Retiring Staff
(1997-2006)

(In Million Taka)

Period	Number of Retiring Staff		Payment of Pension Benifit
Period	Yearly total	Cumulative	Yearly Total	Cumulative
1997	66	301	20	83
1998	271	572	111	194
1999	450	1022	202	396
2000	1502	2524	686	1082
2001	961	3485	508	1590
2002	708	4193	354	1944
2003	593	4786	340	2284
2004	453	5239	268	2552
2005	350	5589	296	2848
2006	598	6187	551	339

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Sources of Fund
As on 31^stDecember, 2006

(In Million Taka)

Sl. No.	Particulars			Amount
1.0	Borrowings
	1.1	Domestic Borrowings
	&nbsp	1.1.1	Commercial Bank	0	0
	1.2	Foreign Borrowings
	&nbsp	1.2.1	Term Loans	1304	&nbsp
		1.2.2	Loans at Perpetuity	551	1855
		Total:		&nbsp	1855
2.0	Deposits
	2.1	Borrowers' Deposits		27322	&nbsp
	2.2	Non-Borrowers' Deposits		17020	44342
3.0	Own Fund			&nbsp	&nbsp
	3.1	Paid up Capital		318	&nbsp
	3.2	Capital Reserve		5793	&nbsp
	3.3	Miscellaneous		3308	9419
4.0	Other Sources				3767
Total:					59383

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Past Ten Years at a Glance (1997- 2006)

Financial Intermediation Indicators (1997-2006)

Pension Benefits Paid to Retiring Staff (1997-2006)

Sources of Fund As on 31stDecember, 2006

Financial Intermediation Indicators
(1997-2006)

Pension Benefits Paid to Retiring Staff
(1997-2006)

Sources of Fund
As on 31^stDecember, 2006