August - 2011

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Aug 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 3,132 2,360 772 124 814 25% 49% 58% 99% 11% 117
Baghdad Bank 1,535 4,184 2,553 1,631 210 941 39% 67% 73% 61% 8% 317
Basrah Bank 529 1,481 1,476 5 136 468 0% 43% 0% 88% 12% 132
Gulf Bank 1,207 3,470 2,694 776 131 1,153 22% 54% 95% 96% 2% 126
Iraq MEI Bank 797 2,701 1,787 914 66 775 34% 40% 86% 97% 17% 134
Mosul Bank 869 2,402 2,209 193 157 842 8% 87% 82% 97% 9% 7
National Bank 473 1,069 1,057 12 80 209 1% 4% 83% 44% 11% 7
North Bank 1,516 4,232 3,006 1,226 121 1,315 29% 45% 39% 87% 7% 252
Sumer Bank 483 893 842 51 53 371 6% 0% 100% 77% 15% 19
TOTAL 8,232 23,564 17,984 5,580 1,078 6,888 24% 51% 67% 84% 9% 1111
Equ. $ 000's 7,000 20,037 15,293 4,745 5,857
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 4%.
  • Recycled Funds: (Columns (4) - (2) / (2)) = 118%.
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $8,454.
  • Average Loan Size: (Columns (3) / (6)): $18.6 (ID 22 million).
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $8,293.
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 85% 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-Aug 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 15 111 10 486 25
Ninawa 27 3 581 50 39 5 647 58
Kirkuk 51 4 85 11 136 15
$2,941 183
 
NORTH CENTRAL
Salah ad Din 277 19 25 2 111 8 412 29
Diyala 87 4 87 4
Baghdad 1,361 54 1,172 47 637 65 1,298 45 1,217 46 247 20 842 74 1,885 73 727 50 9,385 474
Anbar 631 56 1,241 30 1,872 86
$11,756 593
 
SOUTH CENTRAL
Najaf 200 15 466 31 666 46
Diwaniyah 91 6 57 7 148 13
Babil 545 30 282 35 129 7 780 14 1,736 86
Karbala 270 14 81 8 77 5 234 10 661 37
Wasit 180 17 42 4 221 21
$3,432 203
 
SOUTH
Muthanna 204 7 204 7
Dhi Qar 71 5 72 10 406 7 549 22
Maysan 60 2 60 2
Basrah 150 5 81 6 78 5 5 1 313 17
$1,126 48
Total 2,497 115 3,558 210 1,153 124 2,844 120 2,144 64 1,963 148 881 79 3,488 117 727 50 $19,255 1,027