September - 2011

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Sep 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 3,229 2,433 796 127 813 25% 50% 59% 99% 11% 117
Baghdad Bank 1,535 4,656 2,998 1,658 233 1,377 36% 66% 75% 90% 8% 317
Basrah Bank 529 1,577 1,572 5 146 526 0% 51% 0% 99% 11% 132
Gulf Bank 1,207 3,550 2,774 776 136 1,117 22% 54% 96% 93% 2% 128
Iraq MEI Bank 797 2,853 1,879 974 70 778 34% 38% 82% 98% 16% 139
Mosul Bank 869 2,498 2,305 193 163 864 8% 86% 82% 99% 9% 7
National Bank 473 1,129 1,117 12 82 246 1% 4% 84% 52% 10% 9
North Bank 1,516 4,481 3,204 1,277 132 1,014 28% 42% 38% 67% 8% 266
Sumer Bank 483 1,076 877 199 57 423 18% 0% 100% 88% 14% 19
TOTAL 8,232 25,049 19,159 5,890 1,146 7,158 24% 50% 68% 87% 9% 1134
Equ. $ 000's 7,000 21,300 16,292 5,009 6,087
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 6%.
  • Recycled Funds: (Columns (4) - (2) / (2)) = 133%.
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $ 7,487.
  • Average Loan Size: (Columns (3) / (6)): $19 ( ID 22.3 million).
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $ 9,292.
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 87% 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-Sep 2011 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH
Dahuk 494 32 128 4 622 36
Erbil 485 27 88 2 142 3 335 17 1,051 49
Sulaymaniyah 374 15 133 12 507 27
Ninawa 27 3 628 54 39 5 695 62
Kirkuk 58 5 108 14 165 19
$3,040 193
 
NORTH CENTRAL
Salah ad Din 525 31 25 2 119 9 669 42
Diyala 87 4 87 4
Baghdad 1,361 54 1,358 61 659 68 1,376 51 1,499 52 308 25 921 77 2,208 87 914 57 10,604 532
Anbar 631 56 1,241 31 1,872 87
$13,232 665
 
SOUTH CENTRAL
Najaf 200 15 492 34 692 49
Diwaniyah 91 6 57 7 148 13
Babil 681 36 435 53 139 9 780 14 2,036 112
Karbala 342 16 94 9 85 6 234 10 754 41
Wasit 180 17 42 4 221 21
$3,851 236
 
SOUTH
Muthanna 204 7 204 7
Dhi Qar 71 5 72 10 449 10 592 25
Maysan 60 2 9 1 68 3
Basrah 150 5 81 6 78 5 5 1 313 17
$1,177 52
Total 2,746 127 3,959 233 1,341 146 3,018 136 2,426 70 2,125 163 960 82 3,811 132 914 57 $21,300 1,146