June - 2011

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Jun 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 2,612 1,970 642 89 816 25% 49% 52% 99% 14% 117
Baghdad Bank 1,535 4,184 2,553 1,631 210 1,274 39% 67% 73% 83% 8% 317
Basrah Bank 623 1,356 1,351 5 124 555 0% 45% 0% 89% 13% 132
Gulf Bank 1,177 3,046 2,322 724 98 1,070 24% 54% 95% 91% 3% 106
Iraq MEI Bank 757 2,481 1,640 841 62 726 34% 43% 84% 96% 19% 127
Mosul Bank 869 2,182 2,055 127 134 865 6% 89% 80% 100% 9% 7
National Bank 473 1,036 1,022 14 79 394 1% 4% 83% 83% 11% 5
North Bank 1,516 3,783 2,661 1,122 107 1,344 30% 50% 46% 89% 7% 231
Sumer Bank 459 855 806 49 50 422 6% 0% 100% 92% 16% 19
TOTAL 8,232 21,535 16,380 5,155 953 7,466 24% 52% 68% 91% 10% 1061
Equ. $ 000's 7,000 18,312 13,929 4,384 6,349
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 2%.
  • Recycled Funds: (Columns (4) - (2) / (2)) = 99%.
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $7872.
  • Average Loan Size: (Columns (3) / (6)): $19.2 ( ID 22.5 million).
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $6929.
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 91% of the $7,000,000 was in loans. Policy now requires minimum of 95%,
  • Excessive cash at 6 of the 9 banks.
ICF-SME Loan Distribution by Bank Branch as of End-Jun 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 468 26 89 2 142 3 335 17 1,034 48
Sulaymaniyah 374 15 111 10 485 25
Ninawa 27 3 563 48 39 5 629 56
Kirkuk 51 4 32 4 83 8
$2,853 173
 
NORTH CENTRAL
Salah ad Din 243 15 25 2 110 8 378 25
Diyala 87 4 87 4
Baghdad 1,136 33 1,172 47 637 65 1,182 38 1,203 45 211 15 842 74 1,614 63 727 50 8,724 430
Anbar 631 56 1,241 30 1,872 86
$11,061 545
 
SOUTH CENTRAL
Najaf 200 15 427 28 627 43
Diwaniyah 91 6 36 3 127 9
Babil 545 30 282 35 100 3 758 13 1,685 81
Karbala 270 14 81 8 59 3 234 10 644 35
Wasit 180 17 31 3 211 20
$3,294 188
 
SOUTH
Muthanna 204 7 204 7
Dhi Qar 70 5 72 10 385 6 527 21
Maysan 59 2 59 2
Basrah 150 5 81 6 78 5 5 1 314 17
$1,104 47
Total 2,221 89 3,558 210 1,153 124 2,591 98 2,108 62 1,856 134 881 79 3,217 107 727 50 $18,312 953