January - 2012

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Jan 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 3,903 2,985 918 159 899 24% 54% 65% 94% 9% 117
Baghdad Bank 1,166 5,112 3,458 1,654 240 1,163 32% 67% 100% 100% 10% 325
Basrah Bank 529 1,762 1,762 0 165 529 0% 56% 0% 100% 12% 132
Gulf Bank 1,337 4,223 3,254 969 158 1,284 23% 61% 96% 96% 6% 144
Iraq MEI Bank 928 3,150 2,060 1,091 78 676 35% 35% 81% 73% 16% 150
Mosul Bank 1,000 2,876 2,606 270 188 845 9% 85% 83% 85% 9% 7
National Bank 473 1,380 1,368 12 94 444 1% 3% 77% 94% 8% 13
North Bank 971 4,919 3,530 1,389 147 791 28% 38% 35% 81% 9% 278
Sumer Bank 613 1,115 1,033 82 71 504 7% 0% 96% 82% 16% 23
TOTAL 7,971 28,440 22,055 6,384 1,300 7,134 22% 51% 72% 90% 10% 1189
Equ. $ 000's 6,778 24,183 18,754 5,429 6,067
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 5%
  • Recycled Funds: (Columns (4) - (2) / (2)) = 177%
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $ 7401
  • Average Loan Size: (Columns (3) / (6)): $19 ( ID 22.3 million)
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $ 11,977
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 90% of the $7,000,000 was in loans. Policy now requires minimum of 95%,
  • Excessive cash at 6 of the 9 banks.
ICF-SME Loan Distribution by Bank Branch as of End-Jan 2012 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH
Dohuk 9 1 537 34 128 4 673 39
Erbil 490 28 88 2 142 3 335 17 1,056 50
Suleymaniya 387 16 133 12 519 28
Ninewah 27 3 756 63 39 5 822 71
Kirkuk 58 5 185 21 243 26
$3,313 214
 
NORTH CENTRAL
Salah Ad Din 921 51 25 2 128 10 1,073 63
Diyala 87 4 87 4
Baghdad 1,522 64 1,414 62 663 69 1,386 52 1,752 60 372 31 1,134 89 2,580 102 949 71 11,771 600
Al Anbar 631 56 1,241 31 1,872 87
$14,803 754
 
SOUTH CENTRAL
Najaf 200 15 518 39 718 54
Diwaniyah 91 6 57 7 148 13
Babel 941 38 588 71 292 10 780 14 2,602 133
Kerbala 342 16 94 9 115 8 234 10 784 43
Wassit 180 17 42 4 221 21
$4,473 264
 
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 3,319 159 4,347 240 1,498 165 3,591 158 2,679 78 2,445 188 1,173 94 4,183 147 949 71 $24,183 1,300