April - 2011

Consolidated USAID-Tijara and Inma Grant ICF-SME Shareholder Loan Results - End-Apr 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 2,381 1,788 593 76 818 25% 44% 48% 99% 14% 118
Baghdad Bank 1,535 4,148 2,524 1,624 207 1,345 39% 67% 72% 88% 8% 317
Basrah Bank 623 1,284 1,279 5 116 596 0% 40% 0% 96% 13% 132
Gulf Bank 1,177 2,925 2,209 716 90 1,043 24% 43% 95% 89% 2% 98
Iraq MEI Bank 757 2,339 1,538 801 58 757 34% 42% 85% 100% 19% 120
Mosul Bank 869 1,996 1,922 74 122 860 4% 92% 79% 99% 9% 7
National Bank 473 1,036 1,022 14 79 446 1% 4% 83% 94% 11% 15
North Bank 1,516 3,752 2,662 1,090 105 1,491 29% 50% 46% 98% 8% 227
Sumer Bank 459 755 724 31 45 381 4% 0% 68% 83% 14% 19
TOTAL 8,232 20,616 15,668 4,948 898 7,737 24% 50% 66% 94% 10% 1053
Equ. $ 000's 7,000 17,531 13,323 4,207 6,579
  • Percentage of Monthly Loan Origination: (Columns (3) - (3) last month / Column (3) last month) = 3%
  • Recycled Funds: (Columns (4) - (2) / (2)) = 90%
  • Outstanding Total Loans: (Columns (7) + (8) x (7)) = $ 8158
  • Average Loan Size: (Columns (3) / (6)): $19.5 ( ID 23 million)
  • Loan Origination using ICF-SME funding: (Columns (4) - (2)) exceeds USAID grant by $6323
  • Percentage of grant funds used in loans: (Columns (7) / (2))= 94% 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-Apr 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 289 15 88 2 117 2 335 17 829 36
Sulaimaniyah 374 15 111 10 485 25
Ninewah 17 2 537 45 39 5 593 52
Kirkuk 51 4 15 2 66 6
$2,574 154
 
NORTH CENTRAL
Salah ad Din 225 13 25 2 85 6 335 21
Diyala 87 4 87 4
Baghdad 1,136 33 1,172 47 623 63 1,410 41 1,151 43 142 11 842 74 1,588 61 642 45 8,706 418
Anbar 631 56 1,241 30 1,872 86
$11,000 529
 
SOUTH CENTRAL
Najaf 200 15 338 22 538 37
Diwaniyah 79 5 36 3 115 8
Babil 545 30 235 29 93 2 716 12 1,589 73
Karbala 270 14 81 8 59 3 234 10 644 35
Wasit 180 17 180 17
$3,066 170
 
SOUTH
Muthanna 204 7 204 7
Dhi Qar 70 5 72 10 180 5 322 20
Maysan 59 2 59 2
Basrah 141 4 81 6 78 5 5 1 305 16
$890 45
Total 2,024 76 3,527 207 1,092 116 2,486 90 1,989 58 1,698 122 881 79 3,191 105 642 45 $17,531 898