Grameen Bank |
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Performance Indicators & Ratio Analysis |
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| 2002 | 2003 | 2004 | 2005 | |||
| Institutional characteristic: | ||||||
| 1 | Total assets (In million Taka.) | 22,659 | 27,272 | 33,653 | 44,624 | |
| Total assets (In million USD) | 391 | 467 | 558 | 678 | ||
| 2 | Number of offices | 1,332 | 1,357 | 1,525 | 1,944 | |
| Number of employees | 11,699 | 11,846 | 13,038 | 16,142 | ||
| Outreach indicators: | ||||||
| 3 | Number of branches | 1,178 | 1,195 | 1,358 | 1,735 | |
| 4 | Number of members (In millions) | 2.48 | 3.12 | 4.06 | 5.58 | |
| 5 | Number of active borrowers (In millions) | 2.08 | 2.87 | 3.70 | 5.05 | |
| 6 | Number of active borrowers per branch (year-end) | 1,766 | 2,402 | 2,722 | 2,912 | |
| 7 | Number of loan officers | 7,448 | 7,495 | 7,925 | 9,166 | |
| 8 | Percent of women members | 95.20% | 95.44% | 95.66% | 96.27% | |
| 9 | Average loan balance per borrower(Taka) | 6,134 | 5,622 | 5,444 | 5,563 | |
| Average loan balance per borrower(USD) | 106 | 96 | 90 | 85 | ||
| Loan portfolio | ||||||
| 10 | Loans (Principal Amount ) disbursed (In million Taka) |
15,869 | 21,467 | 25,873 | 39,183 | |
| Loans (Principal Amount ) disbursed (In million USD) | 274 | 369 | 435 | 612 | ||
| 11 | Number of loans disbursed (In millions) |
2.13 | 3.19 | 3.81 | 5.09 | |
| 12 | Total loan outstanding (gross) (In million Taka) |
12,759 | 16,138 | 20,127 | 28,109 | |
| Total loan outstanding (gross) (In million USD) | 220 | 276 | 334 | 427 | ||
| 13 | Current (Performing) loans (In million Taka) | 12,533 | 15,679 | 19,535 | 27,388 | |
| Current (Performing) loans (In million USD) | 216 | 268 | 324 | 416 | ||
| 14 | Overdue loans (In milion Taka) | 116 | 371 | 368 | 479 | |
| Overdue loans (In milion USD) | 2.00 | 6.35 | 6.11 | 7.28 | ||
| 15 | Portfolio growth rate | 1.99% | 26.48% | 24.72% | 39.66% | |
| Sustainability/Profitability ratios: | ||||||
| 16 | Return on equity (ROE) | 2.93% | 10.63% | 8.98% | 21.22% | |
| 17 | Operating self sufficiency (OSS) |
102.00% | 111.10% | 109.88% | 115.65% | |
| 18 | Financial self sufficiency (FSS) | 99.60% | 107.88% | 105.70% | 110.40% | |
| Asset / Liability management ratios: | ||||||
| 19 | Yield on gross portfolio (nominal) | 17.98% | 18.51% | 18.89% | 19.24% | |
| 20 | Cost of funds ratio | 5.19% | 6.18% | 7.15% | 7.38% | |
| Portfolio Quality: |
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| 21 | Portfolio at risk ratio (PAR) |
1.77% | 2.84% | 2.94% | 2.57% | |
| Efficiency and productivity ratios: | ||||||
| 22 | Productivity per loan officer | 291 | 399 | 487 | 579 | |
| 23 | Operating expense ratio | 11.19% | 10.52% | 9.22% | 9.87% | |
| 24 | Personnel expense / Loan portfolio | 8.70% | 8.12% | 6.88% | 6.92% | |
| 25 | Cost per borrower (In Taka) | 714 | 614 | 509 | 544 | |
| Cost per borrower (In USD) | 12 | 11 | 8 | 8.27 | ||
| 26 | Portfolio per loan officer (in million Taka) | 1.78 | 2.25 | 2.65 | 3.22 | |
| Portfolio per loan officer (in million USD) | 0.031 | 0.038 | 0.044 | 0.049 | ||
| Financing structure: | ||||||
| 27 | Capital adequacy ratio | 9.70% | 19.30% | 16.51% | 13.41% | |
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