July - 2011

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-July 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 2,937 2,213 724 115 771 25% 45% 55% 94% 12% 117
Baghdad Bank 1,535 4,184 2,553 1,631 210 935 39% 67% 73% 61% 8% 317
Basrah Bank 529 1,356 1,351 5 124 363 0% 45% 0% 69% 13% 132
Gulf Bank 1,207 3,345 2,579 766 120 1,066 23% 54% 95% 88% 2% 123
Iraq MEI Bank 797 2,521 1,664 857 64 724 34% 43% 85% 91% 18% 131
Mosul Bank 869 2,309 2,136 173 148 830 7% 87% 81% 96% 9% 7
National Bank 473 1,036 1,022 14 79 335 1% 4% 83% 71% 11% 5
North Bank 1,516 4,102 2,929 1,173 117 1,399 29% 46% 41% 92% 7% 248
Sumer Bank 483 855 806 49 50 422 6% 0% 100% 87% 16% 19
TOTAL 8,232 22,645 17,253 5,392 1,027 6,845 24% 51% 67% 83% 10% 1099
Equ. $ 000's 7,000 19,256 14,671 4,585 5,821
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 5%.
  • Recycled Funds: (Columns (4) - (2) / (2)) = 110%.
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $8475.
  • Average Loan Size: (Columns (3) / (6)): $18.7 ( ID 22 million).
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $7,671.
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 83% of the $7,000,000 was in loans. Policy now requires minimum of 95%,
  • Excessive cash at 8 of the 9 banks.
ICF-SME Loan Distribution by Bank Branch as of End-July 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