February - 2012

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Feb 2012
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 953 4,085 3,157 928 165 950 23% 56% 67% 100% 9% 117
Baghdad Bank 1,166 5,167 3,513 1,654 243 1,150 32% 67% 100% 99% 10% 325
Basrah Bank 529 1,808 1,808 0 170 525 0% 57% 0% 99% 11% 132
Gulf Bank 1,337 4,263 3,294 969 160 1,233 23% 62% 96% 92% 6% 144
Iraq MEI Bank 928 3,475 2,285 1,191 80 910 34% 36% 82% 98% 16% 153
Mosul Bank 1,000 3,055 2,785 270 202 951 9% 85% 84% 95% 8% 7
National Bank 473 1,390 1,378 12 95 438 1% 3% 78% 93% 8% 14
North Bank 971 5,109 3,675 1,434 150 823 28% 37% 33% 85% 9% 278
Sumer Bank 613 1,186 1,104 82 76 572 7% 0% 96% 93% 16% 23
TOTAL 7,971 29,537 22,998 6,539 1,341 7,552 22% 51% 72% 95% 11% 1193
Equ. $ 000's 6,778 25,117 19,556 5,561 6,422
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 4%
  • Recycled Funds: (Columns (4) - (2) / (2)) = 189%
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $ 7835
  • Average Loan Size: (Columns (3) / (6)): $19 ( ID 22.3 million)
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $ 12,778
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 95% of the $7,000,000 was in loans. Policy now requires minimum of 95%,
  • Excessive cash at 4 of the 9 banks.
ICF-SME Loan Distribution by Bank Branch as of End-Feb 2012 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH
Dohuk 9 1 616 40 128 4 752 45
Erbil 490 28 88 2 142 3 335 17 1,056 50
Suleymaniya 387 16 133 12 519 28
Ninewah 27 3 776 65 39 5 843 73
Kirkuk 58 5 200 23 258 28
$3,428 224
 
NORTH CENTRAL
Salah Ad Din 1,060 55 25 2 135 11 1,219 68
Diyala 87 4 87 4
Baghdad 1,538 66 1,460 65 663 69 1,386 52 1,773 61 402 34 1,143 90 2,741 105 1,009 76 12,115 618
Al Anbar 631 56 1,241 31 1,872 87
$15,294 777
 
SOUTH CENTRAL
Najaf 200 15 552 41 255 1 1,008 57
Diwaniyah 91 6 57 7 148 13
Babel 941 38 628 76 292 10 780 14 2,641 138
Kerbala 342 16 94 9 115 8 234 10 784 43
Wassit 180 17 42 4 221 21
$4,801 272
 
SOUTH
Muthanna 230 8 230 8
Dhi Qar 71 5 72 10 768 21 911 36
Mesan 72 3 9 1 81 4
Basrah 209 8 81 6 78 5 5 1 373 20
$1,594 68
Total 3,474 165 4,394 243 1,537 170 3,625 160 2,955 80 2,597 202 1,182 95 4,344 150 1,009 76 $25,117 1,341