November - 2010

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Nov 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 1,996 1,550 445 71 782 22% 46% 43% 100% 17% 112
Baghdad Bank 1,535 3,731 2,262 1,469 184 1,490 39% 61% 100% 97% 6% 311
Basrah Bank 623 979 974 5 84 556 1% 35% 0% 89% 16% 107
Gulf Bank 1,136 2,296 1,750 546 75 1,118 24% 47% 92% 98% 3% 78
Iraq MEI Bank 717 1,844 1,229 616 44 695 33% 53% 81% 97% 18% 73
Mosul Bank 829 1,634 1,580 55 99 799 3% 92% 87% 96% 11% 7
National Bank 673 939 925 14 73 562 2% 5% 90% 83% 9% 5
North Bank 1,476 3,100 2,141 959 86 1,467 31% 60% 55% 99% 6% 205
Sumer Bank 459 589 579 10 33 410 2% 0% 100% 89% 14% 17
TOTAL 8,231 17,107 12,989 4,119 749 7,878 24% 53% 75% 95% 10% 915
Equ. $ 000's 7,000 14,547 11,045 3,502 6,699
  • This chart combines the $ 6.000.000 USAID-Tijara and $ 1 Million USAID-Inma grants.
  • (Columns 3/6): Average Loan Size: $19,422 ( ID 22.8 million);
  • (Columns 2 and 4) Loan Origination using ICF-SME funding exceeds USAID grant by $ 4,045.
  • (Column 10)) Estimated (weighted average) tenor of entire portfolio is 20 months on average per loan.
  • (Column 11) At 30 November 2010, 95% of the $7,000 USAID grant was in loans. Policy now requires minimum of 95%,
  • Number of loans at- 30-November is 749.
ICF-SME Loan Distribution by Bank Branch as of End-Nov 2010 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH North
Dohuk 372 26 128 4 $500 30
Erbil 289 15 25 1 117 2 335 17 $766 35
Suleymaniya 261 12 90 8 $351 20
Ninewah 12 1 433 36 39 5 $484 42
Kirkuk 51 4 $51 4
$2,151 131
 
CENTRAL Central
Tikrit 238 13 7 1 43 3 $287 17
Baquba 87 4 $87 4
Baghdad 910 31 1,244 50 539 52 1,042 32 815 30 116 9 759 68 1,042 42 501 33 $6,968 347
Anbar 567 47 1,233 30 $1,800 77
Wassit 188 18 32 3 $219 21
Babel 421 25 82 11 93 2 631 11 $1,227 49
Kerbala 91 7 72 7 59 3 234 10 $456 27
$11,044 542
 
SOUTH South
Najaf 200 15 279 18 $479 33
Diwaniyah 120 5 15 2 $135 7
Muthana 204 7 $204 7
Nassiriyah 49 4 67 9 126 2 $242 15
Missan $0 0
Basrah 136 3 72 5 78 5 5 1 $291 14
$1,352 76
Total 1,697 71 3,172 184 832 84 1,952 75 1,568 44 1,389 99 798 73 2,636 86 501 33 $14,547 749