February - 2011

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Feb 2011
1 2 3 4 5 6 7 8 9 10 11 12 13
A1 A2 A4 A4/A1
ICF-SME Member Bank ICF-SME Funding ID-Millions Total Loan Disb. ID- millions ICF-SME Portion ID- Millions Co-Fund ID-Millions No. of SME Loans Outstanding Loans % Bank Co-Fund % portfolio Outside Baghdad % portfolio disbursed as 2-Year Loans % ICF-SME funds in Loans % ID Loans to Females New Jobs
Ashur Bank 823 2,285 1,702 583 74 810 26% 42% 50% 98% 15% 118
Baghdad Bank 1,535 3,986 2,420 1,566 199 1,395 39% 66% 100% 91% 8% 319
Basrah Bank 623 1,252 1,247 5 112 609 0% 41% 0% 98% 14% 130
Gulf Bank 1,176 2,694 2,059 635 86 1,138 24% 49% 94% 97% 3% 90
Iraq MEI Bank 757 2,139 1,418 721 55 726 34% 41% 83% 96% 21% 113
Mosul Bank 869 1,835 1,780 55 111 847 3% 92% 78% 97% 10% 7
National Bank 473 966 952 14 75 462 1% 5% 95% 98% 10% 7
North Bank 1,516 3,537 2,489 1,048 99 1,484 30% 53% 48% 98% 7% 219
Sumer Bank 459 699 689 10 42 405 1% 0% 74% 88% 12% 19
TOTAL 8,231 19,393 14,756 4,637 853 7,876 24% 51% 72% 96% 10% 1022
Equ. $ 000's 7,000 16,491 12,548 3,943 6,697
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 3.3%.
  • Recycled Funds: (Columns (4) - (2) / (2)) =79%.
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $ 8304.
  • Average Loan Size: (Columns (3) / (6)): $19.3 ( ID 22.7 million).
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $5548.
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 96% of the $7,000,000 was in loans. Policy now requires minimum of 95%.
  • Excessive cash at 2 of the 9 banks.
ICF-SME Loan Distribution by Bank Branch as of End-Feb 2011 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH
Dahuk 457 30 128 4 585 34
Erbil 289 15 25 1 117 2 335 17 766 35
Sulaymaniyah 294 14 99 9 393 23
Ninawa 12 1 489 41 39 5 540 47
Kirkuk 51 4 51 4
$2,335 143
 
NORTH CENTRAL
Salah ad Din 238 13 7 1 51 4 296 18
Diyala 87 4 87 4
Baghdad 1,122 32 1,164 46 605 60 1,173 37 1,066 41 129 10 782 70 1,405 55 594 42 8,040 393
Anbar 642 56 1,241 30 1,883 86
$10,306 501
 
SOUTH CENTRAL
Najaf 201 15 291 20 492 35
Diwaniyah 79 5 36 3 115 8
Babil 429 26 226 28 93 2 631 11 1,379 67
Karbala 270 14 81 8 59 3 234 10 644 35
Wasit 180 17 32 3 212 20
$2,842 165
 
SOUTH
Muthanna 204 7 204 7
Dhi Qar 71 5 72 10 300 5 443 20
Maysan 60 2 60 2
Basrah 136 3 81 6 78 5 5 1 300 15
$1,007 44
Total 1,943 74 3,389 199 1,065 112 2,291 86 1,819 55 1,560 111 821 75 3,008 99 594 42 $16,490 853