November - 2011

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Nov 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 3,489 2,607 882 140 819 25% 52% 61% 99% 10% 117
Baghdad Bank 1,535 4,741 3,083 1,659 235 1,316 35% 65% 100% 86% 10% 319
Basrah Bank 529 1,662 1,662 0 155 529 0% 53% 0% 100% 10% 132
Gulf Bank 1,207 3,939 3,057 882 152 1,201 22% 59% 96% 100% 2% 140
Iraq MEI Bank 797 2,945 1,937 1,009 73 717 34% 37% 83% 90% 16% 143
Mosul Bank 869 2,648 2,449 199 173 848 8% 84% 82% 98% 9% 7
National Bank 473 1,193 1,181 12 86 281 1% 4% 82% 59% 10% 11
North Bank 1,516 4,674 3,342 1,332 141 921 29% 40% 37% 61% 8% 274
Sumer Bank 483 1,113 927 186 61 412 17% 0% 99% 85% 14% 19
TOTAL 8,232 26,403 20,244 6,159 1,216 7,043 23% 53% 77% 86% 9% 1162
Equ. $ 000's 7,000 22,452 17,214 5,237 5,989
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 2%.
  • Recycled Funds: (Columns (4) - (2) / (2)) = 146%.
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $ 7366.
  • Average Loan Size: (Columns (3) / (6)): $18 ( ID 21 million).
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $ 10,214.
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 86% 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-Nov 2011 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH
Dahuk 515 33 128 4 643 37
Erbil 485 27 88 2 142 3 335 17 1,051 49
Sulaymaniyah 387 16 133 12 519 28
Ninawa 27 3 662 56 39 5 729 64
Kirkuk 58 5 113 14 170 19
$3,112 197
 
NORTH CENTRAL
Salah ad Din 549 32 25 2 119 9 693 43
Diyala 87 4 87 4
Baghdad 1,421 58 1,431 63 659 68 1,376 51 1,547 54 317 26 942 79 2,325 93 947 61 10,964 553
Anbar 631 56 1,241 31 1,872 87
$13,616 687
 
SOUTH CENTRAL
Najaf 200 15 512 38 712 53
Diwaniyah 91 6 57 7 148 13
Babil 681 36 469 57 139 9 780 14 2,070 116
Karbala 342 16 94 9 85 6 234 10 754 41
Wasit 180 17 42 4 221 21
$3,905 244
 
SOUTH
Muthanna 204 7 204 7
Dhi Qar 71 5 72 10 674 18 817 33
Maysan 60 2 9 1 68 3
Basrah 150 5 81 6 78 5 5 1 313 17
$1,403 60
Total 2,842 133 4,032 235 1,375 150 3,264 148 2,475 72 2,194 167 981 84 3,927 138 947 61 $22,036 1,188