Past Eight Years of Grameen Bank

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	At a Glance		Financial Intermediation Indicator

	Pension Benefits Paid to Retiring Staff		Sources of Fund

Past Eight Years at a Glance (1997- 2004)

(In Million Taka)

Sl. No.	Particulars	1997	1998	1999	2000	2001	2002	2003	2004
1.0	Authorised Capital	500	500	500	500	500	500	500	500
2.0	Own Fund :
	2.1 Paid-up Capital	246	258	265	270	272	276	291	318
	2.2 Capital and Other Reserve	92	1908	1764	1764	1764	1764	7943	4396
	2.3 Miscellaneous	859	182	463	497	587	760	1281	1644
	2.4 Total :	1197	2348	2491	2530	2623	2800	9515	6358
3.0	Deposits	4978	5222	5551	6115	7169	8952	13306	20833
4.0	Other Sources of Fund	1297	658	792	399	208	143	109	3566
5.0	Borrowings	11293	10836	11640	10629	9781	6978	4213	2896
6.0	Assets :
	6.1 Loan and Advances (Before Provision)	14182	16210	14382	13180	13061	13400	16824	20846
	6.2 Investment	4600	1807	4787	5229	5143	4021	5335	7226
	6.3 Cash and Bank Balance	375	470	404	242	416	441	585	798
	6.4 Fixed Assets	752	879	986	963	945	921	911	906
	6.5 Other Assets	1460	1706	2088	2338	2299	2106	3488	3877
	6.6 Total Assets	21369	21072	22647	21952	21864	20889	27144	33653
7.0	Own Fund as Percentage of Loan & Advances	8%	14%	17%	19%	20%	21%	57%	30%
8.0	Own Fund and Deposits as Percentage of Loan & Advances	44%	47%	56%	66%	75%	88%	135%	130%
9.0	Total Income (Before Provision)	2821	3021	3156	3008	3167	3040	3577	4696
10.0	Expenses :
	10.1 Salaries & Other Related Expenses	932	1072	1222	1176	1117	1156	1240	1247
	10.2 Interest Expenses	875	880	1020	979	1026	893	1104	1583
	10.3 Other Expenses	254	219	209	218	248	258	280	425
	10.4 Provision Expenses	746	746	629	624	717	673	596	1019
	10.5 Total Expenses	2807	2917	3080	2997	3108	2980	3220	4274
11.0	Net Profit	15	103	77	11	59	60	357	422
12.0	Provision Balance	2304	2987	3389	3789	3601	3729	3547	2976
13.0	Bad Debt	19	64	227	224	906	545	778	1590
14.0	Bad Debt Recovery	6	7	6	11	47	105	133	154
15.0	Accumulated Disbursement	88021	108114	124035	138069	154105	169974	191440	217313
16.0	Number of Employees	12628	12850	12427	11028	11841	11709	11855	13049
17.0	Number of Members	2272503	2368347	2357083	2378356	2378601	2483006	3123802	4059632
18.0	Number of Centres	64701	66712	67691	68467	68591	70928	74703	81609
19.0	Number of Villages	37937	39045	39706	40225	40447	41636	43681	48472
20.0	Number of Branches	1105	1137	1149	1160	1173	1178	1195	1358


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Financial Intermediation Indicators
(1997-2004)

(In Billion Taka)

Particulars	Years
Particulars	1997	1998	1999	2000	2001	2002	2003	2004
Balance of Deposits	5.00	5.23	5.56	6.13	7.17	8.95	13.31	20.83
Balance of Loan (Before Write off up to 2001)	13.89	15.81	13.91	12.66	12.78	12.69	16.10	20.08
Balance of Borrowings	11.29	10.84	11.64	10.63	9.78	6.98	4.21	2.90
Deposit to Loan Ratio	36%	33%	40%	48%	56%	71%	83%	104%
Deposit to Brrowings Ratio	44%	48%	48%	58%	73%	78%	316%	718%

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Pension Benefits Paid to Retiring Staff
(1997-2004)

(In Million Taka)

Period	Number of Retiring Staff		Payment of Pension Benifit
Period	Yearly total	Cummulative	Yearly Total	Cummulative
1997	66	301	20	83
1998	271	572	111	194
1999	450	1022	202	396
2000	1502	2524	686	1082
2001	961	3485	508	1590
2002	708	4193	354	1944
2003	598	4786	340	2284
2004	453	5239	268	2552

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Sources of Fund
As on 31^st December, 2004

(In Million Taka)

Sl. No.	Particulars		Amount
1.0	Borrowings
	1.1 Domestic Borrowings
		1.1.1 Commercial Bank	930	930
	1.2 Foreign Borrowings
		1.2.1 Term Loans	1415
		1.2.2 Loans at Perpetuity	551	1966
		Total :		2896
2.0	Deposits
	2.1 Borrowers' Deposits		13905
	2.2 Non-Borrowers' Deposits		6928	20833
3.0	Own Fund
	3.1 Paid up Capital		318
	3.2 Capital Reserve		4396
	3.3 Miscellaneous		1644	6358
4.0	Other Sources			3566
Total :				33653

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