Monthly Reports 07-2014

Sl. No.ParticularsMillion US$
1.0 Cumulative Amount Disbursed Since Inception15,648.61
2.0 Cumulative Amount Repaid Since Inception14,226.17
3.0 Amount Disbursed this Month127.76
4.0 Amount Repaid this Month127.32
5.0 Outstanding Loan
5.1Basic Loan993.43
5.2Flexible Loan (a)95.91
5.3Housing Loan0.52
5.4Education Loan37.43
5.5Other Loans3.85
5.6Total (b):1,131.13
6.0 Rate of Recovery (c)97.60
7.0 Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (d)
7.1Basic Loan4.98
7.2Flexible Loan15.60
7.3Total :20.58
8.0 Overdue Loan (e)
8.1Basic Loan (f)11.575
8.2Flexible Loan11.535
8.3Housing Loan0.013
8.4Other Loans0.000
8.5Total :23.122
9.0 Microenterprise Loan (Cumulative)
9.1No. of Microenterprise Loans5,864,644
9.2Amount Disbursed2,665.40
9.3Amount Repaid2,365.47
10.0 Balance of Deposits
10.1Members’ Deposit1,212.35
10.2Non-Members’ Deposit738.31
10.3Total :1,950.66
11.0 Deposits to Outstanding
11.1Deposits as Percentage of Outstanding Loans172
11.2Deposits and Own Resources as Percentage of Outstanding Loans191
11.3No. of Branches with more in Deposits than in Outstanding Loans2,102
12.0 Beggar Members
12.1No. of Beggar Members80,193
12.2Amount Disbursed (Cumulative)2.55
12.3Amount Repaid (Cumulative)2.09
12.4Amount of Savings (Balance)0.11
13.0 Cumulative Number of Village Phones1383,130
14.0 Cumulative Number of Houses Built with Housing Loans696,591
15.0 Life Insurance Fund (Cumulative)
15.1No. of Deaths Among all Borrowers162,006
15.2Amount paid out from Life Insurance Fund5.20
16.0 Loan Insurance
16.1Balance in Loan Insurance Savings110.03
16.2No. of Deaths Among Insured Borrowers (Cumulative)319,012
16.3Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative)46.37
17.0 Higher Education Loan (Cumulative)
17.1No. of Female Students12,383
17.2No. of Male Students40,534
17.3Total :52,917
17.4Amount Disbursed (Female)12.95
17.5Amount Disbursed (Male)34.27
17.6Total :47.21
18.0 Scholarship (Cumulative)
18.1Scholarship Recipient (Female)120,689
18.2Scholarship Recipient (Male)84,082
18.3Total :204,771
18.4Scholarship Amount (Female)2.64
18.5Scholarship Amount (Male)1.87
18.6Total :4.51
19.0 Number of Members (g)
19.3Total :8,616,719
20.0 Number of Groups1,329,938
21.0 Number of Centres142,712
22.0 Number of Villages81,390
23.0 Number of Branches2,567
24.0 Number of Branches with Computerized Accounting and MIS2,567
(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 amounts of flexible loans with age of two years and more. The amount of a flexible loan which completes the third year is written off exactly on the date following its completion.
(b)This figure is not exactly equal to the difference between items 1 and 2 because of difference in conversion rates.
(c)Amount repaid as a percentage of amount due.
(d)If a borrower misses ten consecutive instalments, the entire outstanding loan is treated as an overdue loan.
(e)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 become overdue.
(f)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.
(g)Number of members includes both Beggar Members and Higher Education Loan recipients mentioned in item no. 12.1 & 17.3 respectively.
Note : Current Exchange Rate : 1 US$ = Taka 77.59

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