September - 2010

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Sep 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 783.00 1,863.00 1,459.00 404.00 66 782 21.7% 43% 38% 100% 19% 107
Baghdad Bank 1,535.00 3,023.00 1,952.00 1,071.00 153 1,376 35.4% 60% 99% 90% 6% 288
Basrah Bank 623.00 829.00 824.00 5.00 67 459 0.6% 30% 0% 74% 18% 86
Gulf Bank 1,136.00 2,086.00 1,600.00 486.00 70 1,097 23.3% 49% 92% 97% 3% 74
Iraq MEI Bank 717.00 1,679.00 1,092.00 587.00 39 667 35.0% 48% 78% 93% 27% 61
Mosul Bank 829.00 1,502.00 1,452.00 50.00 91 796 3.3% 94% 75% 96% 10% 7
National Bank 673.00 848.00 834.00 14.00 68 564 1.7% 7% 88% 84% 6% 5
North Bank 1,476.00 2,818.00 1,969.00 849.00 79 1,443 30.1% 64% 57% 98% 6% 194
Sumer Bank 459.00 589.00 579.00 10.00 33 397 1.7% 0% 100% 86% 14% 17
TOTAL 8,231.00 15,237.00 11,761.00 3,476.00 666 7,581 22.8% 52% 72% 92% 11% 839
Equ. $ 000's 7,000.00 12,956.63 10,000.85 2,955.78 6,446.43
  • This chart combines the $ 6.000.000 USAID-Tijara and $ 1 Million USAID-INMA grants.
  • (Columns 3/6): Average Loan Size: $19,480 ( ID 22.9 million);
  • (Columns 2 and 4) Loan Origination using ICF-SME funding exceeds USAID grant by $ 3,001.
  • (Column 10) Estimated (weighted average) tenor of entire portfolio is 20 months on average per loan.
  • (Column 11) At 30 September 2010, 91% of the $7,000 USAID grant was in loans. Policy now requires minimum of 95%.
  • Number of loans at- 30-September is 666.
ICF-SME Loan Distribution by Bank Branch as of End-Sep 2010 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH North
Dohuk 336 24 128 4 $464 28
Erbil 290 15 25 1 118 2 337 17 $769 35
Suleymaniya 103 7 91 8 $193 15
Ninewah 417 34 44 6 $462 40
Kirkuk 51 4 $51 4
$1,940 122
 
CENTRAL Central
Tikrit 239 13 7 1 26 2 $272 16
Baquba 81 3 $81 3
Baghdad 842 31 1,001 40 496 46 919 31 678 25 78 6 680 62 870 36 504 33 $6,068 310
Anbar 546 45 1,175 29 $1,721 74
Wassit 181 17 32 3 $212 20
Babel 359 18 81 1 634 11 $1,074 30
Kerbala 92 7 73 7 59 3 235 10 $459 27
$9,887 480
 
SOUTH South
Najaf 201 15 242 15 $443 30
Diwaniyah 61 3 15 2 $76 5
Muthana 205 7 $205 7
Nassiriyah 68 9 126 2 $194 11
Missan $0 0
Basrah 73 5 78 5 5 1 $156 11
$1,074 64
Total 1,474 66 2,580 153 709 67 1,783 70 1,435 39 1,284 91 725 68 2,409 79 504 33 $12,901 666