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“Leading the poor out
of poverty towards an
empowered and
dignified life.”
GROUP D
 Name ID NO
 Md. Abu Sayed 151003506
 Md. Abdullah al mamun 151003606
 Md. Zakir Hossain 151003406
 Sourav Barua 151004606
 Mohammad Saiduzzaman Sabuj 143002906
 Md. Atiqul Islam 152001106
• Grameen bank is a
microfinance organization and
community development bank
started in Bangladesh that
makes small loans (known as
microcredit or "grameen credit”
to the impoverished without
requiring collateral.
• One of the first micro-lending
institutions
• 94% owned by the poor, 6%
government
• Initially capital was Tk 100
million and paid-up capital was
Backgroun
d
Muhammad Yunus
Founder, Grameen Bank
History
Grameen Bank ,village
of Jobra, Bangladesh, in
1976.
 The project was
transformed into a
independent bank on
October 2, 1983
 In 2006, won Nobel
Peace Prize
More recently, Grameen
has started bond sales as
a source of finance.
 Objective: To promote financial
independence among the poor
 Encourages all borrowers to eventually
become savers
 The bank also set a new goal: Making
each of its branches free of poverty, as
defined by benchmarks such as having
adequate food and access to clean
water and latrines
Objective &
Goal
Grameen Bank vs Conventional Banks
๏ To bring economic and
social change to the poor.
๏ Based on trust
๏ Looks at what the borrower
can have
๏ Located in rural areas
๏ The bank goes to the
customer
๏ Flexible payment scheme
๏ Most owners and borrowers
are poor women
๏ Loans are for productive
activity, not consumption
๏ To make profit
๏ Based on collateral
๏ Looks at what the borrower
already has
๏ Located in urban areas
๏ Customers have to go to the
bank
๏ Strict payment scheme
๏ Most owners and borrowers
are wealthy men
๏ Loans could be used for
consumption or other activities
Is grameen Bank different?
Key elements of rural
development
 Poverty alleviation and raising the living
standards of the rural poor;
 Equitable distribution of income and wealth;
 Wider employment opportunities;
 Participation of the local people in planning,
 decision-making, implementation process,
 benefit sharing,
 evaluation of rural development programme,
Micro Credit Strategy
Objective: To promote financial
independence among the poor.
Loans offer the people the
opportunity to take initiatives in
business and agriculture
 Offered credit to many poor,
women, illiterate and
unemployed people.
 Access to credit on reasonable
terms such as the group of
lending system and weekly
installment payment
 Charity is not the answer to
Micro Credit Strategy
 Known for “Solidarity
Lending”
 Each borrower should
belong to a 5 member
group
 Not required to give any
guarantee for a loan to its
members
 No form of joint liability
 Incorporates a set of values
embodied in Bangladesh by
Sixteen decisions
 High Payback rates- over
98%
Why
Women?
 Women in Bangladesh are
neglected by society
 They want to empower
women through opportunity of
self employment and the
access to money
 Studies show that women
are more likely to use their
earnings to improve their
living situations and to
educate their children
 Higher repayment rates
 Poor entrepreneurs know
that microfinance is a tool to
elevate them from poverty
that’s why most of them are
focused in repaying their
debts
95% to 98%
Repayment Rate
Micro Credit
Programs
 Women entrepreneur can
start a business providing
wireless payphone service
in rural areas In Bangladesh
Micro Credit
Programs
 Distributing small loans to
beggars
 New programs targeted
to beggars
 Interest free and long
payment terms
 Exclusive focus on the poorest of the
poor
 Borrowers organised into small
homogeneous groups
 Special loan conditionalities suited for
the poor
 Simultaneous undertaking of social
development agenda
 Design and development of organization
and management systems
Credit delivery
system
1. principles – discipline, unity,
courage and hard work
2. Prosperity to the family
3. Repair/construct own shelter
4. Plant vegetables
5. Plant many seedlings during
planting season
6. Responsible parenthood
7. Self-support – child education
16 Decisions
8. Clean environment
9. Pit latrines
10. Potable drinking water
11. No to dowry and child marriage
12. No to violence and abuse
13. Collective business undertakings
14. Helping one another
15. Restore discipline
16. Collective social activities
16 Decisions
 Grameen Bank does not own any share
of the following companies in the
Grameen network. Nor has it given any
loan or received any loan from any of
these companies.
 1) Grameen Phone Ltd.
2) Grameen Telecom
3) Grameen Communications
4) Grameen Cybernet Ltd.
5) Grameen Software Ltd.
6) Grameen IT Park
Grameen network
 Gross Loan Portfolio USD,
2013: 1.1 billion
 Number of Employee 22,149
 Average loan balance per borrower USD,
2013: 162.0
 Deposits USD, 2013: 1.9 billion
 Assets USD, 2013: 2.2 billion
 Total number of borrowers is 7.06 million,
97 per cent of them are women.
 Loan recovery rate is 98.28 per cent
 Grameen Bank has 2,422 branches. It
CURRENT STATUS
50-60 Centres
per Branch
7.21 million borrowers
Each Centre
made up of
8 Group of
5 borrowers
each
Head Office
18 Zonal Office
123 Area Office
Organization Structure
Internal system
Financial information
Revenue and Expenditure
1. Total revenue generated by Grameen Bank in 2006
was Tk 9.43 billion
2. Total expenditure was Tk 8.03 billion
3. Interest payment on deposits of Tk 3.47 billion
4. Expenditure on salary, allowances, pension
benefits amounted to Tk 2.03 billion
5. Grameen Bank made a profit of Tk 1398 million in
2006.
There are four interest rates for loans from
Grameen Bank :
1. 20% (declining basis) for income generating loans,
8% for housing loans, 5% for student loans, and 0%
(interest-free) loans for Struggling Members
(beggars).
 Rapid growth
Key Information of Grameen Bank
Sl.No
.
Particulars 1995 2001 2002 2003 2004 2005 2006 2007
1 GB's Profit 15 59 60 358 422 1000 1398 107
2 GB's Deposit 3809 7089 8952 13307 20718 31771 44342 52078
3 GB's Outstanding 11852 12438 12633 16017 20008 28109 33259 36337
4 Deposit as % of Outstanding Loan 32% 57% 71% 83% 104% 113% 133% 143%
5
GB's Borrowings from Banks and
other Institutions
8503 9781 6978 4213 2896 1917 1855 1793
6 % of Profit Earning Branches :
6.1
More than one year old
branches
55% 29% 37% 58% 70% 96% 80% 61%
6.2
Less than one year old
branches
0% 0% 29% 31% 33% 34% 31%
7 Total Disbursement for the year 13664 61461 23436 21467 25874 39183 49872 50430
8 Cumulative Disbursement 53632 146538 169974 191440 217314 256497 306369 356798
9 Members (Million) 2.07 2.38 2.48 3.12 4.06 5.58 6.91 7.41
10 No. of Villages covered 35,533 40,477 41,636 43,681 48,472 59,912 74462 80678
11 Employees 12,420 11,841 11,709 11,855 13,049 16,142 20885 25283
12 No. of Branches 1055 1173 1178 1195 1358 1735 2319 2481
5 Years Financial Data
Particulars 2009 2010 2011 2012 2013
Total Income: 14,497 17,742 21,325 25,050 27,214
Expenses :
Salaries & Other
Related Expenses
3,823 4,639 5,005 5,173 5,617
Interest Expenses 7,068 9,228 10,638 12,005 13,634
Other Expenses 1,806 2,165 2,120 2,224 2,518
Provision Expenses 1,428 953 2,878 4,193 4,112
Total Expenses: 14,125 16,985 20,641 23,595 25,881
Net Profit 372 757 684 1,455 1,333
5 Years Financial Data (Cont…)
Particulars 2009 2010 2011 2012 2013
Authorised Capital 3,500 3,500 3,500 3,500 10,000
Own Fund :
Paid-up Capital 524 548 571 598 734
Capital and Other Reserve 6,219 6,815 7,301 8,542 9,660
Miscellaneous 3,956 4,184 4,709 5,238 5,817
Total Equity & Liabilites: 10,690 11,547 12,581 14,378 16,211
Deposits 83,331 105,023 117,516 131,273 148,546
Other Sources of Fund 7,306 7,238 8,817 11,836 12,776
Borrowings 1,669 1,589 1,527 1,465 1,403
Total Assets: 103,005 125,397 140,441 158,952 178,936
Assets :
Loan and Advances (Before
Provision)
56,359 68,418 77,639 83,132 87,707
Investment 37,751 47,757 52,613 267 267
Cash and Bank Balance 1,296 1,312 1,710 65,724 78,870
Fixed Assets 1,334 1,488 1,490 1,481 1,510
Other Assets 6,265 6,422 6,989 8,348 10,582
Total Assets: 103,005 125,397 140,441 158,952 178,936
Own Fund as Percentage of Loan &
Advances
19% 17% 16% 17% 18%
Own Fund and Deposits as Percentage
of Loan & Advances 167% 170% 168% 175% 188%
5 Years Financial Data (Cont…)
Provision Balance
5,692 5,399 7,267 8,607 9,537
Bad Debt
1,528 1,222 986 1,476 3,181
Bad Debt Recovery
671 580 395 312 389
Accumulated
Disbursement
498,311 594,461 703,000 821,609 947,635
Number of Employees
23,283 22,255 22,128 22,261 21,851
Number of Members 7,970,616 8,340,623 8,372,081 8,373,893 8,543,977
Number of Centres
144,106 144,619 144,095 143,061 143,057
Number of Villages
83,458 81,376 81,380 81,386 81,389
Number of Branches
2,562 2,565 2,565 2,567 2,567
Achievement
FIVE-STARS OF ACHIEVEMENT
1. 100% repayment record
2. earns profit
3. self-sufficient (more deposits than
loans)
4. 100% Grameen borrowers’ children
in-school or completed primary school
5. GB borrowers cross-over poverty line
AWARDS AND RECOGNITION
1)1989 Aga Khan Award for Architecture
2)1993 King Baudouin International
Development Prize
3)1994 Bangladesh Independence Day
Award
4)1994 Tun Abdul Razak Award
5)1997 World Habitat Award
6)2000 Gandhi Peace Prize
7)2004 Petersberg Prize
8) 2006 Nobel Peace Prize
About Grameen bank

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About Grameen bank

  • 1. “Leading the poor out of poverty towards an empowered and dignified life.”
  • 2. GROUP D  Name ID NO  Md. Abu Sayed 151003506  Md. Abdullah al mamun 151003606  Md. Zakir Hossain 151003406  Sourav Barua 151004606  Mohammad Saiduzzaman Sabuj 143002906  Md. Atiqul Islam 152001106
  • 3. • Grameen bank is a microfinance organization and community development bank started in Bangladesh that makes small loans (known as microcredit or "grameen credit” to the impoverished without requiring collateral. • One of the first micro-lending institutions • 94% owned by the poor, 6% government • Initially capital was Tk 100 million and paid-up capital was Backgroun d
  • 4. Muhammad Yunus Founder, Grameen Bank History Grameen Bank ,village of Jobra, Bangladesh, in 1976.  The project was transformed into a independent bank on October 2, 1983  In 2006, won Nobel Peace Prize More recently, Grameen has started bond sales as a source of finance.
  • 5.  Objective: To promote financial independence among the poor  Encourages all borrowers to eventually become savers  The bank also set a new goal: Making each of its branches free of poverty, as defined by benchmarks such as having adequate food and access to clean water and latrines Objective & Goal
  • 6. Grameen Bank vs Conventional Banks ๏ To bring economic and social change to the poor. ๏ Based on trust ๏ Looks at what the borrower can have ๏ Located in rural areas ๏ The bank goes to the customer ๏ Flexible payment scheme ๏ Most owners and borrowers are poor women ๏ Loans are for productive activity, not consumption ๏ To make profit ๏ Based on collateral ๏ Looks at what the borrower already has ๏ Located in urban areas ๏ Customers have to go to the bank ๏ Strict payment scheme ๏ Most owners and borrowers are wealthy men ๏ Loans could be used for consumption or other activities Is grameen Bank different?
  • 7. Key elements of rural development  Poverty alleviation and raising the living standards of the rural poor;  Equitable distribution of income and wealth;  Wider employment opportunities;  Participation of the local people in planning,  decision-making, implementation process,  benefit sharing,  evaluation of rural development programme,
  • 8.
  • 9.
  • 10. Micro Credit Strategy Objective: To promote financial independence among the poor. Loans offer the people the opportunity to take initiatives in business and agriculture  Offered credit to many poor, women, illiterate and unemployed people.  Access to credit on reasonable terms such as the group of lending system and weekly installment payment  Charity is not the answer to
  • 11. Micro Credit Strategy  Known for “Solidarity Lending”  Each borrower should belong to a 5 member group  Not required to give any guarantee for a loan to its members  No form of joint liability  Incorporates a set of values embodied in Bangladesh by Sixteen decisions  High Payback rates- over 98%
  • 12. Why Women?  Women in Bangladesh are neglected by society  They want to empower women through opportunity of self employment and the access to money  Studies show that women are more likely to use their earnings to improve their living situations and to educate their children
  • 13.  Higher repayment rates  Poor entrepreneurs know that microfinance is a tool to elevate them from poverty that’s why most of them are focused in repaying their debts 95% to 98% Repayment Rate
  • 14. Micro Credit Programs  Women entrepreneur can start a business providing wireless payphone service in rural areas In Bangladesh
  • 15. Micro Credit Programs  Distributing small loans to beggars  New programs targeted to beggars  Interest free and long payment terms
  • 16.  Exclusive focus on the poorest of the poor  Borrowers organised into small homogeneous groups  Special loan conditionalities suited for the poor  Simultaneous undertaking of social development agenda  Design and development of organization and management systems Credit delivery system
  • 17. 1. principles – discipline, unity, courage and hard work 2. Prosperity to the family 3. Repair/construct own shelter 4. Plant vegetables 5. Plant many seedlings during planting season 6. Responsible parenthood 7. Self-support – child education 16 Decisions
  • 18. 8. Clean environment 9. Pit latrines 10. Potable drinking water 11. No to dowry and child marriage 12. No to violence and abuse 13. Collective business undertakings 14. Helping one another 15. Restore discipline 16. Collective social activities 16 Decisions
  • 19.  Grameen Bank does not own any share of the following companies in the Grameen network. Nor has it given any loan or received any loan from any of these companies.  1) Grameen Phone Ltd. 2) Grameen Telecom 3) Grameen Communications 4) Grameen Cybernet Ltd. 5) Grameen Software Ltd. 6) Grameen IT Park Grameen network
  • 20.  Gross Loan Portfolio USD, 2013: 1.1 billion  Number of Employee 22,149  Average loan balance per borrower USD, 2013: 162.0  Deposits USD, 2013: 1.9 billion  Assets USD, 2013: 2.2 billion  Total number of borrowers is 7.06 million, 97 per cent of them are women.  Loan recovery rate is 98.28 per cent  Grameen Bank has 2,422 branches. It CURRENT STATUS
  • 21. 50-60 Centres per Branch 7.21 million borrowers Each Centre made up of 8 Group of 5 borrowers each Head Office 18 Zonal Office 123 Area Office Organization Structure
  • 24. Revenue and Expenditure 1. Total revenue generated by Grameen Bank in 2006 was Tk 9.43 billion 2. Total expenditure was Tk 8.03 billion 3. Interest payment on deposits of Tk 3.47 billion 4. Expenditure on salary, allowances, pension benefits amounted to Tk 2.03 billion 5. Grameen Bank made a profit of Tk 1398 million in 2006. There are four interest rates for loans from Grameen Bank : 1. 20% (declining basis) for income generating loans, 8% for housing loans, 5% for student loans, and 0% (interest-free) loans for Struggling Members (beggars).
  • 26. Key Information of Grameen Bank Sl.No . Particulars 1995 2001 2002 2003 2004 2005 2006 2007 1 GB's Profit 15 59 60 358 422 1000 1398 107 2 GB's Deposit 3809 7089 8952 13307 20718 31771 44342 52078 3 GB's Outstanding 11852 12438 12633 16017 20008 28109 33259 36337 4 Deposit as % of Outstanding Loan 32% 57% 71% 83% 104% 113% 133% 143% 5 GB's Borrowings from Banks and other Institutions 8503 9781 6978 4213 2896 1917 1855 1793 6 % of Profit Earning Branches : 6.1 More than one year old branches 55% 29% 37% 58% 70% 96% 80% 61% 6.2 Less than one year old branches 0% 0% 29% 31% 33% 34% 31% 7 Total Disbursement for the year 13664 61461 23436 21467 25874 39183 49872 50430 8 Cumulative Disbursement 53632 146538 169974 191440 217314 256497 306369 356798 9 Members (Million) 2.07 2.38 2.48 3.12 4.06 5.58 6.91 7.41 10 No. of Villages covered 35,533 40,477 41,636 43,681 48,472 59,912 74462 80678 11 Employees 12,420 11,841 11,709 11,855 13,049 16,142 20885 25283 12 No. of Branches 1055 1173 1178 1195 1358 1735 2319 2481
  • 27. 5 Years Financial Data Particulars 2009 2010 2011 2012 2013 Total Income: 14,497 17,742 21,325 25,050 27,214 Expenses : Salaries & Other Related Expenses 3,823 4,639 5,005 5,173 5,617 Interest Expenses 7,068 9,228 10,638 12,005 13,634 Other Expenses 1,806 2,165 2,120 2,224 2,518 Provision Expenses 1,428 953 2,878 4,193 4,112 Total Expenses: 14,125 16,985 20,641 23,595 25,881 Net Profit 372 757 684 1,455 1,333
  • 28. 5 Years Financial Data (Cont…) Particulars 2009 2010 2011 2012 2013 Authorised Capital 3,500 3,500 3,500 3,500 10,000 Own Fund : Paid-up Capital 524 548 571 598 734 Capital and Other Reserve 6,219 6,815 7,301 8,542 9,660 Miscellaneous 3,956 4,184 4,709 5,238 5,817 Total Equity & Liabilites: 10,690 11,547 12,581 14,378 16,211 Deposits 83,331 105,023 117,516 131,273 148,546 Other Sources of Fund 7,306 7,238 8,817 11,836 12,776 Borrowings 1,669 1,589 1,527 1,465 1,403 Total Assets: 103,005 125,397 140,441 158,952 178,936 Assets : Loan and Advances (Before Provision) 56,359 68,418 77,639 83,132 87,707 Investment 37,751 47,757 52,613 267 267 Cash and Bank Balance 1,296 1,312 1,710 65,724 78,870 Fixed Assets 1,334 1,488 1,490 1,481 1,510 Other Assets 6,265 6,422 6,989 8,348 10,582 Total Assets: 103,005 125,397 140,441 158,952 178,936 Own Fund as Percentage of Loan & Advances 19% 17% 16% 17% 18% Own Fund and Deposits as Percentage of Loan & Advances 167% 170% 168% 175% 188%
  • 29. 5 Years Financial Data (Cont…) Provision Balance 5,692 5,399 7,267 8,607 9,537 Bad Debt 1,528 1,222 986 1,476 3,181 Bad Debt Recovery 671 580 395 312 389 Accumulated Disbursement 498,311 594,461 703,000 821,609 947,635 Number of Employees 23,283 22,255 22,128 22,261 21,851 Number of Members 7,970,616 8,340,623 8,372,081 8,373,893 8,543,977 Number of Centres 144,106 144,619 144,095 143,061 143,057 Number of Villages 83,458 81,376 81,380 81,386 81,389 Number of Branches 2,562 2,565 2,565 2,567 2,567
  • 30. Achievement FIVE-STARS OF ACHIEVEMENT 1. 100% repayment record 2. earns profit 3. self-sufficient (more deposits than loans) 4. 100% Grameen borrowers’ children in-school or completed primary school 5. GB borrowers cross-over poverty line
  • 31. AWARDS AND RECOGNITION 1)1989 Aga Khan Award for Architecture 2)1993 King Baudouin International Development Prize 3)1994 Bangladesh Independence Day Award 4)1994 Tun Abdul Razak Award 5)1997 World Habitat Award 6)2000 Gandhi Peace Prize 7)2004 Petersberg Prize 8) 2006 Nobel Peace Prize