December - 2010

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Dec 2010
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 783 2,035 1,589 445 73 780 22% 47% 44% 100% 17% 114
Baghdad Bank 1,535 3,760 2,284 1,476 184 1,414 39% 64% 100% 92% 11% 314
Basrah Bank 623 1,105 1,100 5 97 571 0% 35% 0% 92% 15% 120
Gulf Bank 1,136 2,425 1,839 586 77 1,136 24% 48% 93% 100% 3% 81
Iraq MEI Bank 717 1,961 1,312 649 49 716 33% 45% 82% 100% 17% 91
Mosul Bank 829 1,699 1,644 55 102 816 3% 92% 78% 98% 10% 7
National Bank 673 848 833 15 68 447 2% 6% 88% 66% 6% 5
North Bank 1,476 3,268 2,277 991 89 1,467 30% 57% 52% 99% 6% 206
Sumer Bank 459 699 689 10 42 449 1% 0% 100% 98% 14% 17
TOTAL 8,231 17,800 13,567 4,232 781 7,796 24% 52% 73% 95% 10% 955
Equ. $ 000's 7,000 15,136 11,537 3,599 6,629
  • This chart combines the $ 6.000.000 USAID-Tijara and $ 1 Million USAID-Inma grants.
  • (Columns 3/6): Average Loan Size: $19,380 ( ID 22.8 million);
  • (Columns 2 and 4): Loan Origination using ICF-SME funding exceeds USAID grant by $4,537.
  • (Column 10): Estimated (weighted average) tenor of entire portfolio is 20 months on average per loan.
  • (Column 11): At 31 December 2010, 95% of the $7,000 USAID grant was in loans. Policy now requires minimum of 95%,
  • Number of loans at 31 December is 781.
ICF-SME Loan Distribution by Bank Branch as of End-Dec 2010 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH
Dohuk 400 27 128 4 528 31
Erbil 290 15 25 1 118 2 337 17 769 35
Suleymaniya 295 14 91 8 386 22
Ninewah 12 1 465 38 44 6 521 45
Kirkuk 51 4 51 4
$2,256 137
 
CENTRAL
Tikrit 239 13 7 1 43 3 289 17
Baquba 87 4 87 4
Baghdad 914 31 1,173 46 598 59 1,073 33 919 35 117 9 680 62 1,191 45 597 42 7,263 362
Anbar 602 52 1,239 30 1,841 82
Wassit 181 17 32 3 212 20
Babel 423 25 125 16 94 2 634 11 1,276 54
Kerbala 168 11 81 8 59 3 235 10 544 32
$11,511 571
 
SOUTH
Najaf 201 15 281 18 482 33
Diwaniyah 62 3 15 2 77 5
Muthana 205 7 205 7
Nassiriyah 50 4 68 9 212 3 329 16
Missan 60 2 60 2
Basrah 137 3 73 5 78 5 5 1 293 14
$1,446 77
Total 1,739 73 3,214 188 944 97 2,073 77 1,676 49 1,452 102 725 68 2,793 89 597 42 $15,214 785