January - 2011

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Jan 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 823 2,285 1,702 583 74 819 26% 42% 38% 100% 14% 211
Baghdad Bank 1,535 3,935 2,374 1,561 195 1,389 40% 65% 100% 90% 8% 315
Basrah 623 1,180 1,175 5 105 618 0% 41% 0% 99% 14% 120
Gulf 1,176 2,576 1,960 616 81 1,106 24% 51% 96% 94% 2% 85
Iraq MEI 757 2,056 1,368 688 51 739 33% 43% 83% 98% 21% 108
Mosul 869 1,755 1,700 55 107 822 3% 91% 79% 95% 10% 7
National 473 848 833 15 69 415 2% 5% 89% 88% 7% 5
North Bank 1,516 3,440 2,419 1,021 94 1,416 30% 55% 50% 93% 10% 213
Sumer 459 699 689 10 42 449 1% 0% 74% 98% 12% 19
TOTAL 8,231 18,774 14,220 4,554 818 7,773 24% 40% 64% 94% 11% 1083
Equ. $ 000's 7,000 15,964 12,092 3,872 6,610
  • (Columns 3/6): Average Loan Size: $19.5 ( ID 23 million).
  • (Columns 2and 4) Loan Origination using ICF-SME funding exceeds USAID grant by $5092.
  • (Column 10) Estimated (weighted average) tenor of entire portfolio is 20 months on average per loan.
  • (Column 11) At 31 Jan 2011, 94% of the $7,000,000 USAID grant was in loans. Policy now requires minimum of 95%,
  • hence there is excessive cash at 6 of the 9 banks.
  • Number of loans at 31-Jan is 818.
ICF-SME Loan Distribution by Bank Branch as of End-Jan 2011 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH
Dohuk 406 28 128 4 534 32
Erbil 289 15 25 1 117 2 335 17 766 35
Suleymaniya 294 14 99 9 393 23
Ninewah 12 1 480 40 35 5 527 46
Kirkuk 51 4 51 4
$2,271 140
 
CENTRAL
Tikrit 238 13 7 1 43 3 288 17
Baquba 87 4 87 4
Baghdad 1,122 32 1,167 46 593 59 1,084 34 995 37 129 10 686 64 1,322 50 594 42 7,692 374
Anbar 600 52 1,241 30 1,841 82
Wassit 179 17 32 3 211 20
Babel 427 26 191 24 93 2 631 11 1,342 63
Kerbala 269 14 80 8 59 3 234 10 642 35
$12,102 595
 
SOUTH
Najaf 201 15 279 18 480 33
Diwaniyah 79 5 36 3 115 8
Muthana 204 7 204 7
Nassiriyah 71 5 67 9 302 5 440 19
Missan 60 2 60 2
Basrah 137 3 72 5 77 5 5 1 291 14
$1,590 83
Total 1,943 74 3,347 195 1,003 105 2,190 81 1,748 51 1,492 107 721 69 2,925 94 594 42 $15,963 818