Bank Capital

Comprehensive information about capital structure and investments

400 Billion Dinars

400 billion dinars in 2025

536%

Growth rate since 2009

15 Years

Period of continuous growth

Bank Capital Growth (1992-2025)

The bank has witnessed continuous capital growth since its establishment in 1992 with 126.4 million dinars, reaching 325 billion dinars in 2024, and reaching 400 billion dinars in 2025

Capital (Billion Dinars)

Overview of Capital Growth

The continuous growth in the capital of the Iraqi Islamic Bank for Investment and Development reflects the strength of the institution and the confidence of shareholders and investors. The capital has witnessed accelerated growth from 126.4 million dinars at establishment in 1992 to reach 325 billion dinars in 2024, and reaching 400 billion dinars in 2025, which reflects the bank's successful strategy in expansion and strengthening its position in the Iraqi banking market.

Capital Increase Objectives

  • Enhancing the ability to face banking risks
  • Expanding the scope of banking and investment services
  • Increasing the bank's share in the Iraqi banking market
  • Developing new branches in various governorates
  • Enhancing digital and technological services

Important Achievements

2014 Capital exceeded 240 billion dinars
2020 Establishing mobile branches to reach customers during the COVID-19 pandemic
2024 Capital reached 325 billion dinars in 2024

Anti-Money Laundering and Terrorism Policies

Commitment to anti-money laundering and terrorism financing regulations

Our Commitment to Anti-Money Laundering

The Iraqi Islamic Bank places top priority on strict compliance with Anti-Money Laundering and Counter-Terrorism Financing (AML/CFT) and full adherence to international sanctions, in line with applicable regulations issued by the Central Bank of Iraq and international standards and best practices, including FATF recommendations.

Anti-Money Laundering and Counter-Terrorism Financing Policy (AML/CFT)

Apply precise onboarding and customer acceptance policies
Apply Know Your Customer (KYC) for all customers
Classify customers by risk level
Continuously monitor accounts and transactions
Report suspicious transactions to authorities
Conduct periodic internal audits
Implement training programs for employees

Sanctions Compliance Policy

The bank adopts a strict sanctions compliance approach based on Zero Risk Tolerance for violations of local and international sanctions regulations.

Compliance Sources:

National Terrorist List
United Nations Security Council
European Union (EU)
Office of Foreign Assets Control (OFAC)

The bank utilizes electronic screening systems for names and beneficiaries with automated processing

Risk Appetite Policy

Clearly define acceptable and prohibited risks
Refrain from dealing with virtual currencies and unlicensed entities
Support decision-making based on risk assessments
Continuously evaluate internal controls

Our Commitment

The bank is committed to the highest levels of transparency and integrity, and believes AML/CFT and sanctions compliance is a collective responsibility starting from the Board of Directors and extending to all employees, reinforcing a strong culture of compliance.

Contact Us

For inquiries about policies 6566

Tax Compliance Law (FATCA) Commitment

Commitment to the Foreign Account Tax Compliance Act

About the Law

It is a law enacted by the United States government in 2010 that came into effect on July 1, 2014. The law aims to combat tax evasion by American citizens who own accounts and financial assets outside the United States by requiring foreign (non-American) financial institutions to report on them to the American tax authority.

American Account

It is any account belonging to an American person (whether natural or legal), or belonging to a foreign institution/company owned by an American person with more than 10% of shares or capital stakes, whether directly or indirectly.

For Individuals

  • American citizen or resident in the United States
  • Place of birth in the United States
  • Residence address or mailing address in the United States
  • Phone number in the United States
  • Standing payment orders to transfer funds to an account in the United States
  • Agent address in an agency based on the account in the United States

Institutions/Companies

  • American institution/company
  • Resident in the United States
  • Residence address or mailing address in the United States
  • Standing payment orders to transfer funds to an account in the United States
  • Phone number in the United States
  • Agent address in an agency based on the account or address of the authorized signatory on the account in the United States

Required Documents and Papers

Documents and papers required from customers of the Iraqi Islamic Bank for Investment and Development to be submitted to the bank related to FATCA law:

Individual Form

Forms specific to natural persons

View Form
Company Form

Forms specific to institutions and companies

View Form

For More Information

For more information about FATCA law, you can visit the American tax authority website:

www.irs.gov

Corporate Governance Guide for Banks

Foundations and standards of corporate governance in banking

Corporate Governance Guide for Banks

This guide contains comprehensive foundations and standards for corporate governance in banking, aimed at enhancing transparency and accountability and ensuring compliance with international standards.

Key Points in the Guide:

Board of Directors

Formation, powers and responsibilities of the Board of Directors

Risk Management

Frameworks and mechanisms for banking risk management

Transparency and Disclosure

Standards for transparency and financial disclosure

Regulatory Compliance

Commitment to banking laws and regulations

Complete Guide

To view the complete version of the Corporate Governance Guide for Banks

For Inquiries and Assistance

info@iraqiislamicb.iq

Detailed Banking Performance Index

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Banking Performance Indicators

Date: 2022/9/30

First: Liquidity and Trading Ratios

992,171,844 / 766,096,877 0.7 times
1,471,700,238 / 667,373,512 45%
509,212 / 509,485 100%
927,498 / 932,278 101%
Average liquidity and total deposits and current accounts were calculated based on Central Bank of Iraq instructions regarding banking liquidity ratio extraction

Second: Operating Ratios

378,478,636 / 60,679,542 16%
378,478,636 / 1,054,680,989 279%
266,672,753 / 1,054,680,989 395%

Third: Debt Ratios

1,372,601,191 / 78,201,412 6%
266,672,753 / 78,201,412 29%
** Accounts receivable represent amounts owed by persons who have a financial relationship with the bank, and do not include amounts related to settlement of dues and advances or deferred expenses.

Fourth: Activity Cost Ratios

592,126,014 / 9,884,818 2%
19,232,328 / 4,469,904 23%
19,232,328 / 11,751,847 61%
39,078,612 / 19,232,328 49%

Fifth: Profitability Ratios

= 250,000,000 / 19,846,283 = 8%

Sixth: Risk Ratios

= 906,120,537 / 300,371,780 = 33%
= (79,133,306+388,906,137) / 66,737,843 = 14%

Seventh: Achieved Return Ratios

= 1,372,601,191 / 19,846,283 = 1%
= 274,445,075 / 19,846,283 = 7%

Anti-Money Laundering and Counter-Terrorism Financing Policies

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Corporate Governance Guide for Banks

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