Grameen Bank Monthly Update in US$ : February, 2015
Sl. No.
Particulars
Million US$
1.0
Cumulative Amount Disbursed Since Inception
16,679.90
2.0
Cumulative Amount Repaid Since Inception
15,238.83
3.0
Amount Disbursed this Month
155.90
4.0
Amount Repaid this Month
143.53
5.0
Outstanding Loan
5.1
Basic Loan
1,006.98
5.2
Flexible Loan(a)
98.69
5.3
Housing Loan
0.29
5.4
Education Loan
37.30
5.5
Other Loans
3.48
5.6
Total(b):
1,146.74
6.0
Rate of Recovery (c)
98.20
7.0
Total Outstanding of Borrowers Missing 5 to 9 Consecutive Instalments (d)
7.1
Basic Loan
4.76
7.2
Flexible Loan
15.79
7.3
Total :
20.55
8.0
Overdue Loan (e)
8.1
Basic Loan(f)
7.876
8.2
Flexible Loan
11.646
8.3
Housing Loan
0.014
8.4
Other Loans
0.000
8.5
Total :
19.536
9.0
Microenterprise Loan (Cumulative)
9.1
No. of Microenterprise Loans
6,387,993
9.2
Amount Disbursed
2,932.90
9.3
Amount Repaid
2,627.86
10.0
Balance of Deposits
10.1
Members’ Deposit
1,358.08
10.2
Non-Members’ Deposit
803.45
10.3
Total :
2,161.53
11.0
Deposits to Outstanding
11.1
Deposits as Percentage of Outstanding Loans
188
11.2
Deposits and Own Resources as Percentage of Outstanding Loans
207
11.3
No. of Branches with more in Deposits than in Outstanding Loans
2,210
12.0
Beggar Members
12.1
No. of Beggar Members
78,769
12.2
Amount Disbursed (Cumulative)
2.57
12.3
Amount Repaid (Cumulative)
2.12
12.4
Amount of Savings (Balance)
0.12
13.0
Cumulative Number of Village Phones
1453,939
14.0
Cumulative Number of Houses Built with Housing Loans
696,865
15.0
Life Insurance Fund (Cumulative)
15.1
No. of Deaths Among all Borrowers
168,519
15.2
Amount paid out from Life Insurance Fund
5.33
16.0
Loan Insurance
16.1
Balance in Loan Insurance Savings
114.03
16.2
No. of Deaths Among Insured Borrowers (Cumulative)
343,285
16.3
Amount of Outstanding Principal and Interest of the Deceased Borrowers paid out from Insurance Fund (Cumulative)
52.95
17.0
Higher Education Loan (Cumulative)
17.1
No. of Female Students
12,504
17.2
No. of Male Students
40,730
17.3
Total :
53,234
17.4
Amount Disbursed (Female)
13.55
17.5
Amount Disbursed (Male)
35.03
17.6
Total :
48.58
18.0
Scholarship (Cumulative)
18.1
Scholarship Recipient (Female)
121,140
18.2
Scholarship Recipient (Male)
84,365
18.3
Total :
205,505
18.4
Scholarship Amount (Female)
2.81
18.5
Scholarship Amount (Male)
1.98
18.6
Total :
4.79
19.0
Number of Members (g)
19.1
Female
8,333,401
19.2
Male
328,607
19.3
Total :
8,662,008
20.0
Number of Groups
1,338,508
21.0
Number of Centres
142,405
22.0
Number of Villages
81,390
23.0
Number of Branches
2,568
24.0
Number of Branches with Computerized Accounting and MIS
2,568
(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
