Banking
Grameen Bank Monthly update, December 2004 Print
Grameen Bank Monthly Update in Taka : December, 2004
Sl. No. Particulars Million Taka 
1.0
 Cumulative Amount Disbursed Since Inception
217,313.91 
2.0
 Cumulative Amount Repaid Since Inception
197,305.73 
3.0
 Amount Disbursed this Month
2,613.63 
4.0
 Amount Repaid this Month
2,164.14 
5.0
 Outstanding Loan
  5.1
Basic Loan
17,125.26 
5.2
Flexible Loan (a)
1,618.86 
5.3
Housing Loan
1,133.95 
5.4
Other Loans
130.11 
5.5
Total :
20,008.18 
6.0
 Rate of Recovery (b)
99.05 
7.0
 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (c)
  7.1
Basic Loan
53.08 
7.2
Flexible Loan
170.66 
7.3
Total :
223.74 
8.0
 Overdue Loan (d)
  8.1
Basic Loan (e)
70.14 
8.2
Flexible Loan
196.37 
8.3
Housing Loan
101.80 
8.4
Other Loans
0.13 
8.5
Total :
368.45 
9.0  
 Microenterprise Loan (Cumulative)
9.1
No. of Microenterprise Loans
316,301 
9.2
Amount Disbursed
6,580.32 
9.3
Amount Repaid
3,300.08 
10.0
 Balance of Deposits
10.1
Members' Deposit
13,793.14 
10.2
Non-Members' Deposit
6,924.65 
10.3
Total :
20,717.79 
11.0
 Deposits to Outstanding
  11.1
Deposits as Percentage of Outstanding Loans
104 
11.2
Deposits and Own Resources as Percentage of Outstanding Loans
133 
11.3
No. of Branches with more in Deposits than in Outstanding Loans
776 
12.0
 Cumulative Number of Village Phones
92,673 
13.0
 Cumulative Number of Houses Built with Housing Loans
607,415 
14.0
 Life Insurance Fund (Cumulative)
  14.1
No. of Deaths Among all Borrowers
74,258 
14.2
Amount paid out from Life Insurance Fund
144.12 
15.0
 Loan Insurance
  15.1
Balance in Loan Insurance Savings
890.84 
15.2
No. of Deaths Among Insured Borrowers (Cumulative)
21,533 
15.3
Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative)
152.61  
16.0
 Higher Education Loan (Cumulative)
  16.1
No. of Female Students
955 
16.2
No. of Male Students
4,302 
16.3
Total :
5,257 
16.4
Amount Disbursed (Female)
17.16 
16.5
Amount Disbursed (Male)
83.26 
16.6
Total :
100.42 
17.0
 Scholarship (Cumulative)
  17.1
Scholarship Recipient (Female)
8,632 
17.2
Scholarship Recipient (Male)
5,918 
17.3
Total :
14,550 
17.4
Scholarship Amount (Female)
6.98 
17.5
Scholarship Amount (Male)
5.32 
17.6
Total :
12.30 
18.0
 Number of Members
  18.1
Female
3,883,383 
18.2
Male
176,249 
18.3
Total :
4,059,632 
19.0
 Number of Groups
685,083 
20.0
 Number of Centres
81,609 
21.0
 Number of Villages
48,472 
22.0
 Number of Branches
1,358 
23.0
 Number of Branches with Computerized Accounting and MIS
1,215 
 
(a)
On the last day of each year, 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 year, 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 60.31.
 
   
   
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