Monthly Report 12-2023

Statement No: 1      
Issue No. : 524, Issue Date :December 06, 2023
Grameen Bank Monthly Update in USD: November, 2023
Sl. NoParticularsIn million USD
1.0Cumulative Amount Disbursed Since Inception37,578.78
2.0Cumulative Amount Repaid Since Inception35,356.16
3.0Amount Disbursed this Month218.14
4.0Amount Repaid this Month208.51
5.0Outstanding Loans
5.1  Basic Loan1,357.93
5.2  Flexible Loan (a)59.33
5.3  Housing Loan16.96
5.4  Education Loan12.52
5.5  Other Loans2.92
5.6  Total  :1,449.66
6.0Rate of Recovery(b)96.71
7.0Total Outstanding of Borrowers Missing 5 to 9 Consecutive Installments(c)
7.1  Basic Loan4.56
7.2  Flexible Loan12.81
7.3  Total :17.37
8.0Overdue Loan(d)
8.1  Basic Loan(e)38.438
8.2  Flexible Loan1.168
8.3  Housing Loan0.214
8.4  Other Loans0.000
8.5  Total :39.821
9.0Microenterprise Loan (Cumulative)
9.1  No. of Microenterprise Loans19,709,271
9.2  Amount Disbursed8,414.54
9.3  Amount Repaid7,960.09
10.0Balance of Deposits
10.1  Members’ Deposit1,513.79
10.2  Non-Members’ Deposit614.38
10.3 Total :2,128.35
11.0Deposits to Outstanding
11.1  Deposits as Percentage of Outstanding Loans147
11.2  Deposits and Own Resources as Percentage of Outstanding Loans168
11.3  No. of Branches with more in Deposits than in Outstanding Loans1,737
12.0Beggar Members
12.1  No. of Beggar Members87,377
12.2  Amount Disbursed (Cumulative)2.73
12.3  Amount Repaid (Cumulative)2.31
12.4  Amount of Savings (Balance)0.11
13.0Cumulative Number of Village Phones2,053,615
14.0Cumulative Number of Houses Built with Housing Loans875,539
15.0Life Insurance Fund (Cumulative)
15.1  No. of deaths among all Borrowers227,390
15.2  Amount paid out from Life Insurance Fund6.64
16.0Loan Insurance
16.1  Balance in Loan Insurance Savings167.30
16.2  No. of deaths among the Persons Insured  (Cumulative)795,445
16.3 Amount of Outstanding Principal and Interest of the
Deceased Borrowers paid out from Insurance Fund (Cumulative)
17.0Higher Education Loan (Cumulative)
17.1  No. of Female Students13,521
17.2  No. of Male Students41,416
17.3  Total :54,937
17.4  Amount Disbursed (Female)15.98
17.5  Amount Disbursed (Male)38.97
17.6  Total :54.96
18.0Scholarship (Cumulative)
18.1  Scholarship Recipient (Female)210,289
18.2  Scholarship Recipient (Male)136,942
18.3  Total :347,231
18.4  Scholarship Amount (Female)5.23
18.5  Scholarship Amount (Male)3.40
18.6  Total :8.63
19.0Number of Members (f)
19.1  Female10,121,697
19.2  Male331,663
19.3 Total :10,453,060
20.0Number of Groups1,474,421
21.0Number of Centres134,760
22.0Number of Villages81,678
23.0Number of Branches2,568
24.0Number of Branches with Computerised Accounting and MIS2,568
(a) 50 percent provision is made on the outstanding of flexible loans at the end of each month which is not passed two years and 100 percent provision is made on the outstanding of flexible loans which is crossed two years and more. Flexible loan will be written off on the following date when it crosses three years.
(b)Percentage calculated on the actual collection against on loan schedule.
(c) If a borrower misses ten consecutive installments (except flexible loan) the entire due (loan & interest) is treated as an overdue. Same system will be applicable each month to the next. Regarding flexible loans, if a borrower misses ten consecutive installments the entire loan & interest is treated as an overdue.
(d)Due amount of 26 weeks passed borrower’s loan and interest become overdue. Same system will be applicable each month to the next. If not full payment within the period entire due loan and interest become overdue. 100 provisions are made on the outstanding of all overdue loans at the end of each month. Written of will be done after one year later of overdue.
(e) In the case of one year duration, half within 26 weeks and ¼ for two years duration is unpaid, the entire unpaid loan and interest on it becomes overdue. In case of less than one year duration, if not paid up with the duration, then the entire unpaid amount with interest falls overdue.
Note: Current Exchange Rate : 1USD = BDT 110.88

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