| |
|
|
|
Past Ten Years at a Glance (1997- 2006)
|
| |
(In Million US$) |
| |
Sl.
No. |
Particulars |
1997 |
1998 |
1999 |
2000 |
2001 |
2002
|
2003 |
2004 |
2005 |
2006 |
|
Exchange Rate: 1US$=Taka |
45.45 |
48.50 |
51.00 |
54.00 |
57.00 |
57.90 |
58.45 |
60.31 |
65.79 |
69.91 |
1.0 |
Authorised Capital |
11.00 |
10.31 |
9.80 |
9.26 |
8.77 |
8.64 |
8.55 |
8.29 |
7.60 |
7.15 |
2.0 |
Own Fund : |
|
  |
2.1 |
Paid-up Capital |
5.41 |
5.32 |
5.20 |
5.00 |
4.77 |
4.77 |
4.98 |
5.27 |
4.83 |
4.55 |
| 2.2 |
Capital and Other Reserve |
2.02 |
39.34 |
34.59 |
32.67 |
30.95 |
30.47 |
135.89 |
72.89 |
66.82 |
82.87 |
| 2.3 |
Miscellaneous |
18.90 |
3.75 |
9.08 |
9.20 |
10.30 |
13.12 |
21.92 |
27.26 |
43.17 |
47.31 |
| 2.4 |
Total : |
26.33 |
48.41 |
48.87 |
46.87 |
46.02 |
48.36 |
162.79 |
105.42 |
114.82 |
134.73 |
3.0 |
Deposits |
109.53 |
107.67 |
108.84 |
113.24 |
125.77 |
154.61 |
227.65 |
345.43 |
482.92 |
634.27 |
4.0 |
Other Sources of Fund |
28.54 |
13.57 |
15.53 |
7.39 |
3.65 |
2.47 |
1.86 |
59.13 |
51.41 |
53.88 |
5.0 |
Borrowings |
248.47 |
223.42 |
228.24 |
196.83 |
171.60 |
120.52 |
72.08 |
48.02 |
29.14 |
26.53 |
6.0 |
Assets : |
 
|
6.1 |
Loan and Advances (Before Provision) |
312.04 |
334.23 |
282.00 |
244.08 |
229.14 |
231.43 |
287.84 |
345.65 |
439.23 |
488.41 |
| 6.2 |
Investment |
101.21 |
37.26 |
93.86 |
96.83 |
90.23 |
69.45 |
91.27 |
119.81 |
151.80 |
282.42 |
| 6.3 |
Cash and Bank Balance |
8.25 |
9.69 |
7.92 |
4.48 |
7.30 |
7.62 |
10.01 |
13.23 |
14.90 |
12.87 |
| 6.4 |
Fixed Assets |
16.55 |
18.12 |
19.34 |
17.83 |
16.58 |
15.91 |
15.59 |
15.02 |
14.52 |
14.95 |
| 6.5 |
Other Assets |
32.12 |
35.17 |
40.94 |
43.30 |
40.33 |
36.37 |
59.67 |
64.28 |
57.84 |
50.77 |
| 6.6 |
Total Assets |
470.17 |
434.47 |
444.06 |
406.52 |
383.58 |
360.78 |
464.38 |
558.00 |
678.28 |
849.42 |
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% |
136% |
130% |
136% |
157% |
| 9.0 |
Total Income (Before Provision) |
62.07 |
62.29 |
61.88 |
55.70 |
55.56 |
52.50 |
61.20 |
77.87 |
112.40 |
134.89 |
| 10.0 |
Expenses : |
|   |
10.1 |
Salaries & Other Related Expenses |
20.51 |
22.10 |
23.96 |
21.78 |
19.60 |
19.97 |
21.21 |
20.68 |
25.37 |
28.97 |
| 10.2 |
Interest Expenses |
19.25 |
18.14 |
20.00 |
18.13 |
18.00 |
15.42 |
18.89 |
26.25 |
34.76 |
49.65 |
| 10.3 |
Other Expenses |
5.59 |
4.52 |
4.10 |
4.04 |
4.35 |
4.46 |
4.79 |
7.05 |
10.79 |
13.63 |
| 10.4 |
Provision Expenses |
16.41 |
15.38 |
12.33 |
11.55 |
12.58 |
11.62 |
10.20 |
16.89 |
26.28 |
22.64 |
| 10.5 |
Total Expenses |
61.76 |
60.14 |
60.39 |
55.50 |
54.53 |
51.47 |
55.09 |
70.87 |
97.19 |
114.89 |
| 11.0 |
Net Profit |
0.33 |
2.12 |
1.51 |
0.20 |
1.04 |
1.04 |
6.11 |
7.00 |
15.20 |
20.00 |
| 12.0 |
Provision Balance |
50.69 |
61.59 |
66.45 |
70.17 |
63.18 |
64.40 |
60.68 |
49.35 |
41.12 |
40.42 |
| 13.0 |
Bad Debt |
0.42 |
1.32 |
4.45 |
4.15 |
15.89 |
9.41 |
13.31 |
26.36 |
30.40 |
24.69 |
| 14.0 |
Bad Debt Recovery |
0.13 |
0.14 |
0.12 |
0.20 |
0.82 |
1.81 |
2.28 |
2.55 |
12.95 |
9.17 |
| 15.0 |
Accumulated Disbursement (including housing loans) |
2224 |
2653 |
2978 |
3248 |
3537 |
3811 |
4180 |
4615 |
5227 |
5954.02 |
| 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 |
Number of 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. |
| |
|
| |
|
|
Financial Intermediation Indicators
(1997-2006)
|
| |
|
| Particulars |
Years |
1997 |
1998 |
1999 |
2000 |
2001 |
2002 |
2003 |
2004 |
2005 |
2006 |
| Balance of Deposits |
0.11 |
0.11 |
0.11 |
0.11 |
0.13 |
0.15 |
0.23 |
0.35 |
0.48 |
0.63 |
| Balance of Loan (Before Write off up to 2001) |
0.31 |
0.33 |
0.27 |
0.23 |
0.22 |
0.22 |
0.28 |
0.33 |
0.43 |
0.48 |
| Balance
of Borrowings |
0.25 |
0.22 |
0.23 |
0.20 |
0.17 |
0.12 |
0.07 |
0.05 |
0.03 |
0.03 |
| 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% |
|
| |
|
|
|
| |
Pension Benefits Paid to Retiring Staff
(1997-2006)
|
| |
|
Period |
Number of Retiring Staff |
Payment of Pension Benifit |
Yearly total |
Cumulative |
Yearly Total |
Cumulative |
1997 |
66 |
301 |
0.48 |
2.01 |
1998 |
271 |
572 |
2.48 |
4.49 |
1999 |
450 |
1022 |
4.28 |
8.77 |
2000 |
1502 |
2524 |
13.99 |
22.76 |
2001 |
961 |
3485 |
9.77 |
32.53 |
2002 |
708 |
4193 |
6.38 |
38.91 |
2003 |
593 |
4786 |
5.88 |
44.79 |
2004 |
453 |
5239 |
3.58 |
48.37 |
2005 |
350 |
5589 |
4.82 |
53.19 |
2006 |
598 |
6187 |
7.88 |
61.22 |
|
| |
|
| |
|
Sources of Fund
As on 31st December, 2006
|
| |
| |
|
| Sl.
No. |
Particulars |
Amount |
| 1.0 |
Borrowings |
| 1.1 |
Domestic Borrowings |
|   |
1.1.1 |
Commercial Bank |
0
  |
0
  |
| 1.2 |
Foreign Borrowings |
|   |
1.2.1 |
Term Loans |
18.65 |
  |
| 1.2.2 |
Loans at Perpetuity |
7.88 |
26.53 |
Total : |
  |
26.53 |
| 2.0 |
Deposits |
| 2.1 |
Borrowers' Deposits |
390.82 |
  |
| 2.2 |
Non-Borrowers' Deposits |
243.46 |
634.28 |
| 3.0 |
Own Fund |
  |
  |
| 3.1 |
Paid up Capital |
4.55 |
  |
| 3.2 |
Capital Reserve |
82.87 |
  |
| 3.3 |
Miscellaneous |
47.31 |
134.73 |
| 4.0 |
Other Sources |
|
53.88 |
Total
: |
|
849.42 |
|
| |
|
| |
|
| |
|