May - 2011

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-May 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 2,427 1,831 596 78 809 25% 45% 48% 98% 15% 117
Baghdad Bank 1,535 4,148 2,524 1,624 207 1,345 39% 67% 72% 88% 8% 317
Basrah Bank 623 1,340 1,335 5 122 617 0% 45% 0% 99% 13% 132
Gulf Bank 1,177 3,030 2,304 726 96 1,129 24% 45% 95% 96% 2% 104
Iraq MEI Bank 757 2,389 1,568 821 59 717 34% 41% 85% 95% 19% 122
Mosul Bank 869 2,072 1,978 94 128 848 5% 90% 79% 98% 10% 7
National Bank 473 1,036 1,022 14 79 421 1% 4% 83% 89% 11% 5
North Bank 1,516 3,783 2,661 1,122 107 1,477 30% 50% 46% 97% 7% 231
Sumer Bank 459 855 806 49 50 442 6% 0% 100% 96% 16% 19
TOTAL 8,232 21,080 16,029 5,051 926 7,805 24% 50% 67% 95% 10% 1054
Equ. $ 000's 7,000 17,925 13,630 4,295 6,637
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 2%
  • Recycled Funds: (Columns (4) - (2) / (2)) = 95%
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $ 8230
  • Average Loan Size: (Columns (3) / (6)): $19.3 ( ID 22.7 million)
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $6630
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 95% of the $7,000,000 was in loans. Policy now requires minimum of 95%,
  • Excessive cash at 2 of the 9 banks.
ICF-SME Loan Distribution by Bank Branch as of End-May 2011 in $000's
Ashur Baghdad Basrah Gulf IMEB Mosul National North Sumer TOTALS
$ # $ # $ # $ # $ # $ # $ # $ # $ # $000's # Loans
NORTH
Dahuk 473 31 128 4 601 35
Erbil 328 17 89 2 117 2 335 17 869 38
Sulaymaniyah 374 15 111 10 485 25
Ninawa 17 2 542 46 39 5 598 53
Kirkuk 51 4 23 3 74 7
$2,627 158
 
NORTH CENTRAL
Salah ad Din 225 13 25 2 110 8 360 23
Diyala 87 4 87 4
Baghdad 1,136 33 1,172 47 623 63 1,410 41 1,194 44 168 13 842 74 1,614 63 727 50 8,886 428
Anbar 631 56 1,241 30 1,872 86
$11,205 541
 
SOUTH CENTRAL
Najaf 200 15 427 28 627 43
Diwaniyah 79 5 36 3 115 8
Babil 545 30 282 35 93 2 716 12 1,636 79
Karbala 270 14 81 8 59 3 234 10 644 35
Wasit 180 17 180 17
$3,202 182
 
SOUTH
Muthanna 204 7 204 7
Dhi Qar 70 5 72 10 181 5 323 20
Maysan 59 2 59 2
Basrah 141 4 81 6 78 5 5 1 305 16
$891 45
Total 2,063 78 3,527 207 1,139 122 2,577 96 2,032 59 1,762 128 881 79 3,217 107 727 50 $17,925 926