December - 2011

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End- Dec 2011
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 823 3,575 2,693 882 144 781 25% 53% 62% 95% 10% 117
Baghdad Bank 1,535 4,741 3,083 1,659 235 839 35% 65% 100% 55% 10% 319
Basrah Bank 529 1,692 1,692 0 158 500 0% 54% 0% 95% 10% 132
Gulf Bank 1,207 3,951 3,069 882 153 1,130 22% 59% 96% 94% 2% 140
Iraq MEI Bank 797 3,125 2,045 1,081 77 742 35% 35% 81% 93% 16% 149
Mosul Bank 869 2,755 2,510 245 180 846 9% 85% 82% 97% 9% 7
National Bank 473 1,380 1,368 12 94 457 1% 4% 77% 97% 8% 13
North Bank 1,516 4,829 3,464 1,365 144 978 28% 39% 35% 65% 9% 274
Sumer Bank 483 1,028 952 77 64 415 7% 0% 99% 86% 16% 19
TOTAL 8,232 27,075 20,874 6,201 1,249 6,689 23% 50% 71% 81% 9% 1170
Equ. $ 000's 7,000 23,023 17,750 5,273 5,688
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 3%
  • Recycled Funds: (Columns (4) - (2) / (2)) = 154%
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $ 6996
  • Average Loan Size: (Columns (3) / (6)): $18 ( ID 21 million)
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $ 10,750
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 81% of the $7,000,000 was in loans. Policy now requires minimum of 95%,
  • Excessive cash at 5 of the 9 banks.
ICF-SME Loan Distribution by Bank Branch as of End-Dec 2011 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH
Dohuk 515 33 128 4 643 37
Erbil 490 28 88 2 142 3 335 17 1,056 50
Suleymaniya 387 16 133 12 519 28
Ninewah 27 3 735 61 52 6 814 70
Kirkuk 58 5 146 18 204 23
$3,235 208
 
NORTH CENTRAL
Salah Ad Din 748 43 25 2 119 9 892 54
Diyala 87 4 87 4
Baghdad 1,415 57 1,431 63 663 69 1,386 52 1,730 59 360 30 1,122 88 2,503 99 875 64 11,484 581
Al Anbar 631 56 1,241 31 1,872 87
$14,335 726
 
SOUTH CENTRAL
Najaf 200 15 512 38 712 53
Diwaniyah 91 6 57 7 148 13
Babel 681 36 529 64 139 9 780 14 2,129 123
Kerbala 342 16 94 9 102 7 234 10 771 42
Wassit 180 17 42 4 221 21
$3,982 252
 
SOUTH
Muthanna 230 8 230 8
Dhi Qar 71 5 72 10 717 20 860 35
Mesan 60 2 9 1 68 3
Basrah 150 5 81 6 78 5 5 1 313 17
$1,471 63
Total 3,040 144 4,032 235 1,439 158 3,359 153 2,657 77 2,342 180 1,173 94 4,106 144 875 64 $23,023 1,249