Page 1
6 M
on
ths
year
2 y
ears
Mo
re th
an
2
years
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Less th
an
a y
ear
A y
ear
Mo
re th
an
a y
ear
Sh
ort te
rm le
ss
than
a y
ear
Mid
ium
term
a
year
Lo
ng
term
mo
re
than
on
e y
ear
Lo
ng
term
mo
re
than
two
years
7% 8% 9% 10% 14% 15% 16%
1 Rafidain Bank 4.00 5.00 5.50 6.00 9.00 9.00 9.00 10.00 11.00 1.00 1.50 1.75 2.00 8.00 9.00 10.00
2 Rasheed Bank 3.50 4.50 5.00 6.50 10.00 10.00 10.00 11.00 12.00 1.00 1.50 1.50 2.50 10.00 10.00 10.00
3 T.B.I 3.00 3.25 3.75 10.00 10.00 10.00 10.00 1.00 1.50 2.00 8.00 8.00 8.00 8.00
4 Bank of Baghdad 2.50 3.00 3.00 7.00 8.00 10.00 1.00 1.50 1.50 8.00 9.00 9.00 9.00
5 Commercial Bank of Iraq 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00
6 Iraqi Middle East Investment Bank 5.00 6.00 8.00 12.00 15.00 16.00 3.00 3.50 4.00 14.00 15.00 15.00
7 Investment Bank Of Iraq 7.00 7.50 8.00 14.00 14.00 14.00 4.50 4.50 5.00 12.00
8 United Bank For Investment 6.00 8.00 8.50 14.00 12.00 12.00 12.00 3.00 4.00 5.00 5.50 12.00 12.00
9 Dar Es Salaam Investment Bank 1.00 3.00 4.00 5.00 15.00 14.00 14.00 14.00 0.50 13.00 13.00 13.00 13.00
10 Mosul Bank 5.00 5.50 6.00 6.00 6.00 12.00 12.00 12.00 12.00 12.00 1.50 2.00 2.50 2.50 12.00 12.00 12.00 12.00
11 Babylon Bank 7.00 9.00 9.00 16.00 15.00 15.00 5.00 6.00 6.00 14.00
12 National Bank Of Iraq 4.70 5.60 5.80 7.00 13.00 13.00 13.00 13.00 14.00 2.40 2.90 3.15 14.00 14.00
13 Credit Bank Of Iraq 1.00 1.00 1.25 12.00 12.00 12.00 13.00 13.00 0.25 0.25 0.25 12.00 13.00 13.00 13.00
14 Economic Bank of Iraq 2.00 2.50 3.00 3.00 17.00 16.00 16.00 16.00 17.00 1.00 1.50 2.00 3.00 16.00 17.00
15 Sumer Bank 7.00 9.00 10.00 8.00 8.00 6.00 8.00 5.00 7.00 8.00 11.00
16 Gulf Commercial Bank 6.50 7.00 7.00 7.00 7.00 14.50 13.50 13.50 14.50 4.50 5.00 5.00 5.00 13.50
17 Warka Bank Of Investment & Finance 5.00 5.50 7.00 25.00 25.00 25.00 2.00 25.00
18 North-Bank 5.00 5.50 6.00 11.00 16.00 11.00 4.00 4.50 5.00 11.00
19 Union Bank of Iraq 8.00 9.00 10.00 14.00 14.00 12.00 13.00 2.00 2.50 3.00 13.00
20 Ashur International Bank For Investment 3.00 5.90 6.70 16.00 16.00 10.00 2.00 2.90 3.35 3.50 15.00
21 Mansour Bank 4.00 4.30 11.00 11.00 10.50 2.30 2.50 11.00
22 Agricultur Turkish Bank 2.00 2.50 3.00 25.00 27.00 0.50 1.00 1.00 25.00
23 ALHUDA BANK 7.00 8.00 8.50 9.00 15.00 15.00 13.00 14.00 4.00 5.00 5.50 6.00 10.00 11.00
24 BYBLOS BANK 2.25 2.25 8.00 1.25 1.25 8.00
25 TRANS IRAQ BANK 7.00 8.00 8.50 9.00 8.00 8.00 8.00 8.00 14.00 3.00 4.00 5.00 5.50 8.00
26 Inter kontnntal 3.39 4.15 14.00 12.71 10.11 9.93 2.65 1.79 10.65 9.43 11.50 6.68
27 Vakif Bank 2.00 12.00 13.00
28 Credit Libanais 2.00 2.00 2.00 14.00 15.00 16.00 2.75 2.75 2.75 2.75 14.00 15.00
29 IS BANK 1.50 10.00 10.00 10.00 10.00
30 ERBIL BANK 7.25 8.00 8.50 15.00 15.00 15.00 3.00 3.00 3.50 15.00 15.00 15.00 15.00
31 ALBaraka Bank 9.00 9.00 9.00 9.00 9.00 9.00 9.00
32 INTERNATIONAL DEVELOPMENT BANK 4.00 6.00 8.00 8.00 14.00 15.00 16.00 2.00 3.00 4.00 10.00 11.00 12.00
33 Bank ASYA 11.00 12.00 12.00 14.00
34 BANK MELLI IRAN 2.00 14.00
35 Bank MED 2.50 2.75 3.00 13.00 10.00 10.00 10.00 11.00 2.50 2.75 3.00 9.00 10.00
36 Banque Libano Francaise SAL 2.00 7.00 10.00 2.25 3.25
37 Fransabank 2.75 3.00 3.00 3.50
38RT BANK (Region Trade Bank For Investment &
Finance (Formerly Emerald)8.00 7.00 8.00 14.00 10.00 12.00 5.00 5.50 6.00 10.00 12.00
39 BBAC (Bank of Beirut & the Arab Countries) 2.00 3.00 11.00 11.00 2.50 3.00 11.00
40 Parsian Bank 6.00 8.00 15.00
41 BLOM BANK 5.00 2.30 25.00
4.5 5.0 5.9 6.4 6.5 13.3 13.2 12.4 12.2 12.7 2.5 2.9 3.6 3.8 12.2 12.1 11.9 11.1
Interest rates on Depeosits
Loans
A Tabel of interest rates Posted by the Commercial Banks for January 2015 *
Interest rates on deposits Interest rates on credit
Deb
ited
Cu
rren
t acco
un
ts (o
verd
raft)
Savin
g
Bank Name
1- Denominted in ID 2- Denominated in USD
Average Interest Rate
Interest rates on credit
savin
g
Fixed deposits Fixed deposits
Dis
co
un
ted
bills
of
exch
an
ge
Loans
Central Bank of Iraq
Statistics & Research Dep. / Financial Market Research Division
CBI Prescribed Rate (Before 31/3/2004)
Page 2
6 M
on
ths
year
2 y
ea
rs
Mo
re th
an
2
ye
ars
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Le
ss
tha
n a
y
ea
r
A y
ea
r
Mo
re th
an
a
ye
ar
Sh
ort te
rm
les
s th
an
a
year
Mid
ium
term
a
year
Lo
ng
term
m
ore
tha
n o
ne
year
Lo
ng
term
m
ore
tha
n tw
o
ye
ars
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4.00 5.00 6.00 7.00 12.00 12.00 9.00 11.00 12.00 1.00 1.00 1.50 9.00 9.00 11.00 12.00
2 Agricultural Cooperative Bank 4.00 5.00 5.50 14.00 14.00 10.00 12.00 12.00
3 Realestate Bank 3.00 3.50 4.00 5.00 10.00 12.00 13.00
3.67 4.50 5.17 6.00 13.00 13.00 9.67 11.67 12.33 1.00 1.00 1.50 9.00 9.00 11.00 12.00
19.7
* ((Primary Data))
A Tabel of interest rates Posted by the Specialized Banks for January 2015 *
Bank Name
1- Denominted in ID 2- Denominated in USD
Interest rates on Depeosits Interest rates on credit Interest rates on deposits
sa
vin
g
Sa
vin
g
CBI Prescribed Rate (Before 31/3/2004)
Average Interest Rate
Statistics & Research Dep./ Financial Market Research Division
Interest rate on loans extended in ID of "Iraqi Company for Financing Small & Medium Enterprises" is (10%).
Interest rate (12% - 13%) annually charged monthly on debited current accounts (overdraft) in foreign currency.
Interest rate (11%) annually on loans extended in foreign currency guaranteed by "Iraqi Company for Banking Guarantees".
Central Bank of Iraq
Fixed deposits De
bite
d C
urre
nt
ac
co
un
ts
(ov
erd
raft)
Dis
co
un
ted
bills
o
f ex
ch
an
ge
Union Bank of Iraq: Interest rate on (long term) credit in ID is determined according to the agreement between the the bank & customer.
Mansour Bank: Interest rate on fixed deposits for (a year , two years) in Iraqi Dinar & American Dollar is determined according to the agreement between the bank & customer.
Interest rate on monetary credit for (more than a year) in Iraqi Dinar & American Dollar is determined according to the agreement between the bank & customer for every case.
Trans Iraq Bank: (8% - 15%) , (8% - 14%) , (8% - 14%) Interest rate on an debited current accounts (overdraft) & discounted bills & loans (short term , medium term) is respectively in ID.
Loans
Interest rate on fixed deposits for (a year) in ID is (3% - 3.75% - 4.5%) (According deposit premium).
Interest rate on fixed deposits for (6 months) in American Dollar is (3% - 3.5% - 4%) (According deposit premium).
Interest rate on fixed deposits for (a year) in American Dollar is (3.5% - 4% - 4.5%) (According deposit premium).
Fixed deposits
Interest rate on loans extended in ID guaranteed by "Iraqi Company for Banking Guarantees" is (12%).
Bank of Baghdad: (11%) Interest rate on long term credit (5 years) in foreign currency.
Gulf Commercial Bank: (12%) annually Interest rate on loans extended guaranteed by "Iraqi Company for Banking Guarantees" Accept commissions of guarantee.
Summary of interest rates determined of some banks for January 2015:
Iraqi Middle Eaast Investment Bank: The interest rate on fixed deposits respectively in ID for (a year , two years) (7% - 8%) , (7.5% - 8.5%).
Interest rate on debited current accounts (overdraft) in ID (12% - 14%) & there is an interest percentage on this accounts is (10.5%) annually charged monthly.
Loans
Interest rates on credit
BBAC (Bank of Beirut & the Arab Countries): (3% - 4%) Interest rate on fixed deposits for (6 months) , & (11% - 13%) Interest rate on an debited current accounts (overdraft), & loans (short term) in ID.
Interest rate on saving & fixed deposits for (6 months) & loans (medium term) is respectively in foreign currency is (2.5% - 3%) , (3% - 6%) , (11% - 13%).
Interest rate on loans extended of "Iraqi Company for Financing Small & Medium Enterprises" is (10%) annually.
Sumer Bank: (7% - 10%) Interest rate on saving deposits in Iraqi currency.
Interest rate on fixed deposits for (a year) in ID is (10% -11%).
Interest rate on an debited current accounts (overdraft) & discounted bills & loans for (medium term) in ID is (8% - 18%).
Interest rate on loans (short term) in ID is (6% - 18%).
Interest rate on loans (medium term for a year ) & an debited current accounts (overdraft) respectively in foreign currency is (11% - 16%) , (11% - 13%) .
Turkey IS Bank: (10% - 12%) Interest rate on loans for (medium term , long term: more than a year ) respectively in foreign currency.
Fransabank: (2.75% - 3.5% - 4.25%) Interest rate on fixed deposits for (6 months) in ID (According deposit premium).
Page 3
6 M
on
ths
year
2 y
ears
Mo
re th
an
2
years
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Less th
an
a
year
A y
ear
Mo
re th
an
a
year
Sh
ort te
rm
less th
an
a
year
Mid
ium
term
a y
ear
Lo
ng
term
m
ore
than
o
ne y
ear
mo
re th
an
tw
o y
ears
7% 8% 9% 10% 14% 15% 16%
1 Rafidain Bank 4.00 5.00 5.50 6.00 9.00 9.00 9.00 10.00 11.00 1.00 1.50 1.75 2.00 8.00 9.00 10.00
2 Rasheed Bank 3.50 4.50 5.00 6.50 10.00 10.00 10.00 11.00 12.00 1.00 1.50 1.50 2.50 10.00 10.00 10.00 3 T.B.I 3.00 3.25 3.75 10.00 10.00 10.00 10.00 1.00 1.50 2.00 8.00 8.00 8.00 8.004 Bank of Baghdad 2.50 3.00 3.00 7.00 8.00 10.00 1.00 1.50 1.50 8.00 9.00 9.00 9.005 Commercial Bank of Iraq 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.006 Iraqi Middle East Investment Bank 5.00 6.00 8.00 12.00 15.00 16.00 3.00 3.50 4.00 14.00 15.00 15.007 Investment Bank Of Iraq 7.00 7.50 8.00 14.00 14.00 14.00 4.50 4.50 5.00 12.008 United Bank For Investment 6.00 8.00 8.50 14.00 12.00 12.00 12.00 3.00 4.00 5.00 5.50 12.00 12.009 Dar Es Salaam Investment Bank 1.00 3.00 4.00 5.00 15.00 14.00 14.00 14.00 0.50 13.00 13.00 13.00 13.00
10 Mosul Bank 5.00 5.50 6.00 6.00 6.00 12.00 12.00 12.00 12.00 12.00 1.50 2.00 2.50 2.50 12.00 12.00 12.00 12.0011 Babylon Bank 7.00 9.00 9.00 16.00 15.00 15.00 5.00 6.00 6.00 14.0012 National Bank Of Iraq 4.70 5.60 5.80 7.00 13.00 13.00 13.00 13.00 14.00 2.40 2.90 3.15 14.00 14.0013 Credit Bank Of Iraq 1.00 1.00 1.25 12.00 12.00 12.00 13.00 13.00 0.25 0.25 0.25 12.00 13.00 13.00 13.0014 Economic Bank of Iraq 2.00 2.50 3.00 3.00 17.00 16.00 16.00 16.00 17.00 1.00 1.50 2.00 3.00 16.00 17.0015 Sumer Bank 7.00 9.00 10.00 8.00 8.00 6.00 8.00 5.00 7.00 8.00 11.0016 Gulf Commercial Bank 6.50 7.00 7.00 7.00 7.00 14.50 13.50 13.50 14.50 14.50 4.50 5.00 5.00 5.00 13.5017 Warka Bank Of Investment & Finance 5.00 5.50 7.00 25.00 25.00 25.00 2.00 25.0018 North-Bank 5.00 5.50 6.00 11.00 16.00 11.00 4.00 4.50 5.00 11.0019 Union Bank of Iraq 8.00 9.00 10.00 14.00 14.00 12.00 13.00 2.00 2.50 3.00 13.0020 Ashur International Bank For Investment 3.00 5.90 6.70 16.00 16.00 10.00 2.00 2.90 3.35 3.50 15.0021 Mansour Bank 4.00 4.30 11.00 11.00 10.50 2.30 2.50 11.0022 Agricultur Turkish Bank 2.00 2.50 3.00 25.00 27.00 0.50 1.00 1.00 25.0023 ALHUDA BANK 7.00 8.00 8.50 9.00 15.00 15.00 13.00 14.00 4.00 5.00 5.50 6.00 10.0024 BYBLOS BANK 2.00 2.00 8.00 1.00 1.00 8.0025 TRANS IRAQ BANK 7.00 8.00 8.50 9.00 8.00 8.00 8.00 8.00 14.00 3.00 4.00 5.00 5.50 8.0026 Inter kontnntal 3.31 4.77 14.00 12.77 10.15 9.90 2.63 1.94 13.70 9.61 11.43 6.6627 Vakif Bank 2.00 12.00 13.0028 Credit Libanais 2.00 2.00 2.00 14.00 15.00 16.00 2.75 2.75 2.75 2.75 14.00 15.0029 IS BANK 1.50 10.00 10.00 10.00 10.0030 ERBIL BANK 7.25 8.00 8.50 15.00 15.00 15.00 3.00 3.00 3.50 15.00 15.00 15.00 15.0031 ALBaraka Bank 9.00 9.00 9.00 9.00 9.00 9.00 9.00
32 INTERNATIONAL DEVELOPMENT BANK 4.00 6.00 8.00 8.00 14.00 15.00 16.00 2.00 3.00 4.00 10.00 11.00 12.00
33 Bank ASYA 11.00 12.00 12.00 14.0034 BANK MELLI IRAN 2.00 14.0035 Bank MED 2.50 2.75 3.00 13.00 10.00 10.00 10.00 11.00 2.50 2.75 3.00 9.00 10.0036 Banque Libano Francaise SAL 2.00 7.00 10.00 2.25 3.2537 Fransabank 2.75 3.00 3.00 3.5038
RT BANK (Region Trade Bank For
Investment & Finance (Formerly Emerald)8.00 7.00 8.00 14.00 10.00 12.00 5.00 5.50 6.00 10.00 12.00
39BBAC (Bank of Beirut & the Arab
Countries)2.00 3.00 11.00 11.00 2.50 3.00 11.00
40 Parsian Bank 6.00 8.00 15.00
41 BLOM BANK 5.00 2.30 25.00
4.5 5.0 5.9 6.4 6.5 13.3 13.2 12.4 12.2 12.8 2.5 2.9 3.5 3.8 12.6 11.7 11.9 11.1
Bank Name savin
g
Loans
Dis
co
un
ted
bill
of e
xch
an
ge
CBI Prescribed Rate ( befor 3/31/2004)
A Tabel of interest rates Posted by the Commercial Banks for february 2015*
Interest rates on creditInterest rates on depositsInterest rates on creditsInterest rates on Depeosits
Loans
Savin
g
Average Interest Rate
Cu
rren
t acco
un
t(over
dra
ft)
Fixed deposits
Central Bank of Iraq
Statistics & Research Dep. / Financial Market Research Division
2- Denominated in USD1- Denominted in Iraqi Dinar
Fixed deposits
Page 4
6 M
on
ths
year
2 y
ears
Mo
re th
an
2
years
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Less th
an
a
year
A y
ear
Mo
re th
an
a
year
Sh
ort te
rm
less th
an
a
year
Mid
ium
term
a y
ear
Lo
ng
term
m
ore
than
o
ne y
ear
mo
re th
an
tw
o y
ears
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4.00 5.00 6.00 7.00 12.00 12.00 9.00 11.00 12.00 1.00 1.00 1.50 9.00 9.00 11.00 12.00
2 Agricultural Cooperation Bank 4.00 5.00 5.50 6.00 14.00 14.00 10.00 12.00 12.00
3 Realestate Bank 3.00 3.50 4.00 5.00 10.00 12.00 13.00
3.67 4.50 5.17 6.00 13.00 13.00 9.67 11.67 12.33 1.00 1.00 1.50 9.00 9.00 11.00 12.00
Rasheed Bank: (7%) interest rats on the fixed deposit rate for the six months and two years in Iraqi dinars,
Summary interest rates at some banks for the month of February 2015
Central Bank of Iraq
*((primary Data))
(11%) interest rate on loans in dollars for (six months, years) .
Byblos Bank: (2% -5%) interest rate on the fixed deposit rate (1% -3.75%) interest rate on fixed deposits (less than one year) in dollar (1% - 4%) interest rate on
fixed deposits for (years) in the us Doller
Fransabank Bank: (2.75% -3.5% -4.25%), the interest rate on fixed deposits for (6 months) in Iraqi dinars (depending on the deposit amount).
Savin
g
savin
g
Fixed deposits
the interest rate on the current accounts (overdraft) (short) and discounted bills and loans (medium term) in Iraqi dinars (8% -18%).
Interest rate on loans (short-term) in Iraqi dinars (6% -18%) and the interest rate on the (medium-term for one yea
The interest rate on fixed deposits for (years) in Iraqi dinars (10% -11%)
Bank of Sumer: (7% -10%) interest rate on savings deposits (savings) in Iraqi currency.
Bank ish: (10% -12%) interest rate on credit for (the year, and more than a year) in us Doller
The interest rate on fixed deposits for (years) in US dollars (3.5% -4% -4.5%) (according to the deposit amount).
The interest rate on fixed deposits for (6 months) to the US dollar (3% -3.5% -4%) (according to the deposit amount).
The interest rate on fixed deposits for (years) in Iraqi dinars (3% -3.75% -4.5%) (according to the deposit amount).
Cu
rren
t acco
un
t(over d
raft)
(12%) interest rats on the loans granted to ensure the Iraqi Company for guarantees prices
(10%) interest rates on loans granted from by the Iraqi Company for Financing SMEs Iraqi dinars .
Middle East Bank: (12% -16%) interest rats on the current account and prices (10.5%) meet monthly on those accounts and
*((primary Data))
TRANS Iraq Bank : (8% -15%) interest rate on current accounts receivable (short), (8% -14%), discounted bills, loans (short-term, medium-term) in Iraqi dinars.
Dis
co
un
ted
bill o
f exch
an
ge
Bank Name
Fixed deposits
Statistics & Research Dep./ Financial Market Research Division
1- Denominted in Iraqi Dinar
Interest rates on Depeosits Interest rates on credits Interest rates on deposits
A Tabel of interest rates Posted by the Specialized Banks for february 2015*
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rat
2- Denominated in USD
Interest rates on credts
Loans Loans
Page 5
6 M
on
ths
ye
ar
2 y
ea
rs
Mo
re th
an
2
ye
ars
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Le
ss
tha
n a
y
ea
r
A y
ea
r
Mo
re th
an
a
ye
ar
Sh
ort te
rm
les
s th
an
a
ye
ar
Mid
ium
term
a
ye
ar
Lo
ng
term
m
ore
tha
n o
ne
y
ea
r
Lo
ng
term
m
ore
tha
n tw
o
ye
ars
7% 8% 9% 10% 14% 15% 16%
1 Rafidain Bank 4.00 5.00 5.50 6.00 9.00 9.00 9.00 10.00 11.00 1.00 1.50 1.75 2.00 8.00 9.00 10.002 Rasheed Bank 3.50 4.50 5.00 6.50 10.00 10.00 10.00 11.00 12.00 1.00 1.50 1.50 2.50 10.00 10.00 10.003 T.B.I 3.00 3.25 3.75 10.00 10.00 10.00 10.00 1.00 1.50 2.00 8.00 8.00 8.00 8.004 Bank of Baghdad 2.50 3.00 3.00 7.00 8.00 10.00 1.00 1.50 1.50 8.00 9.00 9.00 9.005 Commercial Bank of Iraq 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.006 Iraqi Middle East Investment Bank 5.00 6.00 8.00 12.00 15.00 16.00 3.00 3.50 4.00 14.00 15.00 15.007 Investment Bank Of Iraq 7.00 7.50 8.00 14.00 14.00 14.00 4.50 4.50 5.00 12.008 United Bank For Investment 6.00 8.00 8.50 14.00 12.00 12.00 12.00 3.00 4.00 5.00 5.50 12.00 12.009 Dar Es Salaam Investment Bank 1.00 3.00 4.00 5.00 15.00 14.00 14.00 14.00 0.50 13.00 13.00 13.00 13.00
10 Mosul Bank 5.00 5.50 6.00 6.00 6.00 12.00 12.00 12.00 12.00 12.00 1.50 2.00 2.50 2.50 12.00 12.00 12.00 12.0011 Babylon Bank 7.00 9.00 9.00 16.00 15.00 15.00 5.00 6.00 6.00 14.0012 National Bank Of Iraq 4.70 5.60 5.80 7.00 8.00 13.00 13.00 13.00 13.00 14.00 2.40 2.75 2.90 3.15 13.00 14.00 14.0013 Credit Bank Of Iraq 1.00 1.00 1.25 12.00 12.00 12.00 13.00 13.00 0.25 0.25 0.25 12.00 13.00 13.00 13.0014 Economic Bank of Iraq 2.00 2.50 3.00 3.00 17.00 16.00 16.00 16.00 17.00 1.00 1.50 2.00 3.00 16.00 17.0015 Sumer Bank 7.00 9.00 10.00 8.00 8.00 6.00 8.00 5.00 7.00 8.00 11.0016 Gulf Commercial Bank 6.50 7.00 7.00 7.00 7.00 14.50 13.50 13.50 14.50 14.50 4.50 5.00 5.00 5.00 13.5017 Warka Bank Of Investment & Finance 5.00 5.50 7.00 25.00 25.00 25.00 2.00 25.0018 North-Bank 5.00 5.50 6.00 11.00 16.00 11.00 4.00 4.50 5.00 11.0019 Union Bank of Iraq 8.00 9.00 10.00 14.00 14.00 12.00 13.00 2.00 2.50 3.00 13.0020 Ashur International Bank For Investment 3.00 5.90 6.70 16.00 16.00 10.00 2.00 2.90 3.35 3.50 15.0021 Mansour Bank 4.00 4.30 11.00 11.00 10.50 2.30 2.50 11.0022 Agricultur Turkish Bank 2.00 2.50 3.00 25.00 27.00 0.50 1.00 1.00 25.0023 ALHUDA BANK 7.00 8.00 8.50 9.00 15.00 15.00 13.00 14.00 4.00 5.00 5.50 6.00 10.00 11.0024 BYBLOS BANK 2.00 2.00 8.00 1.00 1.00 8.0025 TRANS IRAQ BANK 7.00 8.00 8.50 9.00 8.00 8.00 8.00 8.00 14.00 3.00 4.00 5.00 5.50 8.0026 Inter kontnntal 3.10 5.50 14.00 12.54 10.15 9.92 2.71 1.75 10.50 8.00 8.79 6.6527 Vakif 2.00 11.00 12.00 13.00 13.0028 Credit Libanais 2.00 2.00 2.00 14.00 15.00 16.00 2.75 2.75 2.75 2.75 14.00 15.0029 IS BANK 1.50 10.00 10.00 10.00 10.0030 ERBIL BANK 7.25 8.00 8.50 15.00 15.00 15.00 3.00 3.00 3.50 15.00 15.00 15.00 15.0031 ALBaraka Bank 11.00 11.00 11.00 10.00 10.00 10.00 10.0032 INTERNATIONAL DEVELOPMENT BANK 4.00 6.00 8.00 8.00 14.00 15.00 16.00 2.00 3.00 4.00 10.00 11.00 12.0033 Bank ASYA 11.00 12.00 12.00 14.0034 BANK MELLI IRAN 2.00 14.0035 Bank MED 2.50 2.75 3.00 13.00 10.00 10.00 10.00 11.00 2.50 2.75 3.00 9.00 10.0036 Banque Libano Francaise SAL 2.00 7.00 10.00 2.25 3.2537 Fransabank 4.00 4.25 4.00 4.5038
RT BANK (Region Trade Bank For Investment
& Finance (Formerly Emerald)8.00 7.00 8.00 14.00 10.00 12.00 5.00 5.50 6.00 10.00 12.00
39 BBAC (Bank of Beirut & the Arab Countries) 2.00 3.00 11.00 11.00 2.50 3.00 11.0040 Parsian Bank 6.00 8.00 15.0041 BLOM BANK 5.00 2.30 25.00
4.5 5.1 5.9 6.4 7.0 13.3 13.2 12.5 12.3 12.9 2.5 2.9 3.6 3.8 12.2 12.0 11.9 11.3
Loans
Interest rates on credit Interest rates on deposits Interest rates on credit
Loans
Sa
vin
g
sa
vin
g
A Tabel of Interest Rates Posted By the Commercial Banks for March 2015
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits
Fixed deposits
Cu
rren
t ac
co
un
t (o
ve
rdra
ft)
Dis
co
un
ted
bill
of e
xc
ha
ng
e
Fixed deposits
Central Bank of Iraq
Statistics & Research Dep. / Financial Market Research Division
CBI Prescribed Rat (Befor 31/3/ 2004)
Average Interest Rate
Page 6
6 M
on
ths
ye
ar
2 y
ea
rs
Mo
re th
an
2
ye
ars
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Le
ss
tha
n a
y
ea
r
A y
ea
r
Mo
re th
an
a
ye
ar
Sh
ort te
rm le
ss
th
an
a y
ea
r
Mid
ium
term
a
ye
ar
Lo
ng
term
m
ore
tha
n o
ne
y
ea
r
Lo
ng
term
m
ore
tha
n tw
o
ye
ars
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4.00 5.00 6.00 7.00 12.00 12.00 10.00 12.00 12.00 1.00 1.00 1.50
2 Agricultural Cooperative Bank 3.00 1.00 2.00 3.00 14.00 14.00 10.00 12.00 12.00
3 Realestate Bank 3.00 3.50 4.00 5.00 10.00 12.00 13.00
3.33 3.17 4.00 5.00 13.00 13.00 10.00 12.00 12.33 1.00 1.00 1.50
Trans Iraq Bank: (8% -15%) interest rates on current accounts (overdraft) , (8% -14%) discounted bills, (8% -14%) Loans (short & medium-term) ID .
(%14-% 8) the interest rate on short-term credit in USD.
Middle East Bank : (12% -16%) interest rates on current account (overdraft) ID ، (10.5%) meet monthly on those account .
(14%) interest Rate on the loans granted in ID and guaranteed by iraqi company for Bank Guarantees .
(10%) Interest Rate on loans granted in ID by the financing of small and medium enterprises .
(11%) interest Rate on the loans granted in USD and guaranteed by company for Bank Guarantees price.
Is Bank: (10% -12%) interest rates on credit (short-term, medium-term, long-term for more than a year, long-term for more than two years) in USD .
Sumer Bank: (7% -10%) interest rates on savings deposits (savings) ID .
(10% -11%) interest rates on fixed deposits for ayear in ID .
(8% -18%) interest rates on current accounts (overdraft) and discounted bills and (medium term) in ID.
(6% -18%), (8% -18%) Interest rates on credit (short-term, medium-term) ID .
(11% -13%) (11% -16%) Interest rates in the (medium-term for one year), in USD .
*((primary Data))
Summary of interest rates of some banks for March 2015:
Central Bank of Iraq
Economic & Research Dep. / Financial Market Research Division
Loans Loans
CBI Prescribed Rate (Befor 31/3/2004)
Bank Name
1- Denominted in Iraqi Dinar
A Tabel of Interest Rates Posted By the Specialized Banks for March 2015
Interest rates on deposits Interest rates on credt
Sa
vin
g
Fixed deposits
Interest rates on Depeosits
sa
vin
g
*((primary Data))
Average Interest Rat
Fixed deposits Cu
rren
t ac
co
un
t (o
ve
rdra
ft)
Dis
co
un
ted
bill o
f e
xc
ha
ng
e
2- Denominated in USD
Interest rates on credit
Page 7
6 M
on
ths
year
2 y
ears
Mo
re th
an
2
years
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Less th
an
a
year
A y
ear
Mo
re th
an
a
year
Sh
ort te
rm
less th
an
a
year
Mid
ium
term
a y
ear
Lo
ng
term
m
ore
than
o
ne y
ear
mo
re th
an
tw
o y
ears
7% 8% 9% 10% 14% 15% 16%
4 Rafidain Bank 4.0 5.0 5.5 6.0 9.0 9.0 9.0 10.0 11.0 1.0 1.5 1.75 2.0 8.0 9.0 10.0
2 Rasheed Bank 3.50 4.50 5.00 6.50 10.00 10.00 10.00 11.00 12.00 1.00 1.50 1.50 2.50 10.00 10.00 10.003 T.B.I 3.00 3.25 3.75 10.00 10.00 10.00 10.00 1.00 1.50 2.00 8.00 8.00 8.004 Bank of Baghdad 2.5 3.0 3.0 7.0 8.0 10.0 1.0 1.5 1.5 8.0 9.0 9.0 9.05 Commercial Bank of Iraq 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00
6 Iraqi Middle East Investment Bank 5.00 6.00 8.00 12.00 15.00 16.00 3.00 3.50 4.00 14.00 15.00 15.007 Investment Bank Of Iraq 6.50 7.00 7.50 15.00 15.00 15.00 4.50 4.00 5.00 12.008 United Bank For Investment 6.00 8.00 8.50 14.00 12.00 12.00 12.00 3.00 4.00 5.00 5.50 12.00 12.009 Dar Es Salaam Investment Bank 1.00 3.00 4.00 5.00 15.00 14.00 14.00 14.00 0.50 13.00 13.00 13.00 13.0010 Mosul Bank 5.00 5.50 6.00 6.00 6.00 12.00 12.00 12.00 12.00 12.00 1.50 2.00 2.50 2.50 12.00 12.00 12.00 12.00
11 Babylon Bank 7.00 9.00 9.00 16.00 15.00 15.00 5.00 6.00 6.00 14.0012 National Bank Of Iraq 4.70 5.60 5.80 7.00 8.00 13.00 13.00 13.00 13.00 14.00 2.40 2.75 2.90 3.15 13.00 14.00 14.0013 Credit Bank Of Iraq 1.00 1.00 1.25 12.00 12.00 12.00 13.00 13.00 0.25 0.25 0.25 12.00 13.00 13.00 13.0014 Economic Bank of Iraq 2.00 2.50 3.00 3.00 17.00 16.00 16.00 16.00 17.00 1.00 1.50 2.00 3.00 16.00 17.0015 Sumer Bank 7.00 9.00 10.00 8.00 8.00 6.00 8.00 5.00 7.00 8.00 11.0016 Gulf Commercial Bank 6.50 6.75 6.75 6.75 6.75 15.00 14.00 14.00 15.00 3.50 3.75 3.75 3.75 14.0017 Warka Bank Of Investment & Finance 5.00 5.50 7.00 25.00 25.00 25.00 2.00 25.0018 North-Bank 5.00 5.50 6.00 11.00 16.00 11.00 4.00 4.50 5.00 11.0019 Union Bank of Iraq 8.00 9.00 10.00 14.00 14.00 12.00 13.00 2.00 2.50 3.00 13.0020 Ashur International Bank For Investment 3.00 5.90 6.70 16.00 16.00 10.00 2.00 2.90 3.35 3.50 15.0021 Mansour Bank 4.00 4.30 11.00 11.00 10.50 2.30 2.50 11.0022 Agricutur Turkish Bank 2.00 2.50 3.00 25.00 27.00 0.50 1.00 1.00 25.0023 ALHUDA BANK 7.00 8.00 8.50 9.00 15.00 15.00 13.00 14.00 4.00 5.00 5.50 6.00 10.00 11.0024 BYBLOS BANK 2.00 2.00 8.00 1.00 1.00 8.0025 TRANS IRAQ BANK 7.00 8.00 8.50 9.00 8.00 8.00 8.00 8.00 14.00 3.00 4.00 5.00 5.50 8.00
26 Inter kontnntal 3.39 4.02 14.0 12.39 10.14 9.95 2.65 2.11 10.30 8.0 7.00 6.6527 VakIf Bank 2.00 11.00 12.00 13.00 13.00
28 Credit Libanais 2.0 2.0 2.0 14.0 15.0 16.0 2.75 2.75 2.75 2.75 14.0 15.0
29 IS BANK 1.50 10.00 10.00 10.00 10.0030 ERBIL BANK 7.25 8.00 8.50 15.00 15.00 15.00 3.00 3.00 3.50 15.00 15.00 15.00 15.0031 ALBaraka BANK 11.00 11.00 11.00 10.00 10.00 10.00 10.0032 INTERNATIONAL DEVELOPMENT BANK 4.00 6.00 8.00 8.00 14.00 15.00 16.00 2.00 3.00 4.00 10.00 11.00 12.0033 BANK ASYA 11.00 12.00 12.00 14.00
34 BANK MELLI IRAN 2.00 14.00
35 BANK MED 2.50 2.75 3.00 13.00 10.00 10.00 10.00 11.00 2.50 2.75 3.00 9.00 10.00
36 Banque Libano Francaise SAL 2.00 7.00 10.00 2.25 3.25
37 Fransbank 4.00 4.25 4.00 4.50
38 Region Trade BANK FOR investment 8.00 7.00 8.00 14.00 10.00 12.00 5.00 5.50 6.00 16.00 12.00
39 BBAC(Bank of Beirut &The aArab Countries) 2.00 3.00 11.00 11.00 2.50 3.00 11.00
40 Parsian Bank 6.00 8.00 15.00
41 BLOM BANK 5.00 2.30 25.00
4.5 5.0 5.9 6.4 6.9 13.4 13.3 12.5 12.3 12.8 2.5 2.8 3.5 3.7 12.2 12.2 11.9 11.6
Central Bank of Iraq Statistics & Research Dep./Finantial
Market Division
A Tabel of interest rates Posted by the Commercial Banks for April 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits Interest rates on deposits Interest rates on credit
Savin
g
Fixed deposits
Cu
rren
t acco
un
t(over
dra
ft)
Dis
co
un
ted
bill
of e
xch
an
ge
Loans
savin
g
Fixed deposits Loans
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rate
Page 8
6 M
on
ths
year
2 y
ea
rs
Mo
re th
an
2
ye
ars
Sh
ort te
rm
Mid
ium
te
rm
Ion
g te
rm
Le
ss
tha
n
a y
ea
r
A y
ea
r
Mo
re th
an
a
ye
ar
Sh
ort te
rm
les
s th
an
a
year
Mid
ium
te
rm a
ye
ar
Lo
ng
term
m
ore
tha
n
on
e y
ea
r
mo
re th
an
tw
o y
ea
rs
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4.00 5.00 6.00 7.00 12.00 10.00 1.00 1.00 1.50
2 Agricultural Cooperation Bank 3.00 1.00 2.00 3.00 14.00 14.00 10.00 12.00 12.00
3 Realestate Bank 3.00 3.50 4.00 5.00 10.00 12.00 13.00
3.3 3.2 4.0 5.0 14.0 14.0 10.0 12.0 11.7 1.0 1.0 1.5
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits
Loans
sa
vin
g
Fixed deposits Loans
Economic & Research Dep./ Financial Market Research Division
A Tabel of interest rates Posted by the Specialized Banks for April 2015*
Source: official books for all banks operating in Iraq and received the Central Bank of Iraq for the month of April 2015
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rat
*((primary Data))
Interest rates on deposits Interest rates on credts
Sa
vin
g
Fixed deposits
Cu
rren
t a
cc
ou
nt(o
ve
r d
raft)
Dis
co
un
ted
bill
of e
xc
ha
ng
e
Page 9
6 M
on
ths
ye
ar
2 y
ea
rs
Mo
re th
an
2
ye
ars
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Le
ss
tha
n a
y
ea
r
A y
ea
r
Mo
re th
an
a
ye
ar
Sh
ort te
rm
les
s th
an
a
ye
ar
Mid
ium
term
a
ye
ar
Lo
ng
term
m
ore
tha
n
on
e y
ea
r
mo
re th
an
tw
o y
ea
rs
7% 8% 9% 10% 14% 15% 16%
1 Rafidain Bank 4.00 5.00 5.50 6.00 9.00 9.00 9.00 10.00 11.00 1.00 1.50 1.75 2.00 8.00 9.00 10.00
2 Rasheed Bank 3.50 4.50 5.00 6.50 10.00 10.00 10.00 11.00 12.00 1.00 1.50 1.50 2.50 10.00 10.00 10.003 T.B.I 3.00 3.25 3.75 10.00 10.00 10.00 10.00 1.00 1.50 2.00 8.00 8.00 8.004 Bank of Baghdad 2.50 3.00 3.00 7.00 8.00 10.00 1.00 1.50 1.50 8.00 9.00 9.00 9.005 Commercial Bank of Iraq 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.006 Iraqi Middle East Investment Bank 5.00 6.00 8.00 12.00 15.00 16.00 3.00 3.50 4.00 14.00 15.00 15.007 Investment Bank Of Iraq 6.50 7.00 7.50 15.00 15.00 15.00 4.50 4.30 5.00 12.008 United Bank For Investment 6.00 8.00 8.50 14.00 12.00 12.00 12.00 3.00 4.00 5.00 5.50 12.00 12.009 Dar Es Salaam Investment Bank 1.00 3.00 4.00 5.00 15.00 14.00 14.00 14.00 0.50 13.00 13.00 13.00 13.00
10 Mosul Bank 5.00 5.50 6.00 6.00 6.00 12.00 12.00 12.00 12.00 12.00 1.50 2.00 2.50 2.50 12.00 12.00 12.00 12.0011 Babylon Bank 7.00 9.00 9.00 16.00 15.00 15.00 5.00 6.00 6.00 14.0012 National Bank Of Iraq 4.70 5.60 5.80 7.00 8.00 13.00 13.00 13.00 13.00 14.00 2.40 2.75 2.90 3.15 13.00 14.00 14.0013 Credit Bank Of Iraq 1.00 1.00 1.25 12.00 12.00 12.00 13.00 13.00 0.25 0.25 0.25 12.00 13.00 13.00 13.0014 Economic Bank of Iraq 2.00 2.50 3.00 3.00 17.00 16.00 16.00 16.00 17.00 1.00 1.50 2.00 3.00 16.00 17.0015 Sumer Bank 7.00 9.00 10.00 8.00 8.00 6.00 8.00 5.00 7.00 8.00 11.0016 Gulf Commercial Bank 6.50 6.75 6.75 6.75 6.75 15.00 14.00 14.00 15.00 3.50 3.75 3,75 3.75 14.0017 Warka Bank Of Investment & Finance 5.00 5.50 7.00 25.00 25.00 25.00 2.00 25.0018 North Bank 5.00 5.50 6.00 11.00 16.00 11.00 4.00 4.50 5.00 11.0019 Union Bank of Iraq 8.00 9.00 10.00 14.00 14.00 12.00 13.00 2.00 2.50 3.00 13.0020 Ashur International Bank For Investment 3.00 5.90 6.70 16.00 16.00 10.00 2.00 2.90 3.35 3.50 15.0021 Mansour Bank 4.00 4.30 11.00 11.00 10.50 2.30 2.50 11.0022 Agricutur Turkish Bank 2.00 2.50 3.00 25.00 27.00 0.50 1.00 1.00 25.0023 ALHUDA BANK 7.00 8.00 8.50 9.00 15.00 15.00 13.00 14.00 4.00 5.00 5.50 6.00 10.00 11.0024 BYBLOS BANK 2.00 2.00 8.00 1.00 1.00 8.0025 TRANS IRAQ BANK 7.00 8.00 8.50 9.00 8.00 8.00 8.00 8.00 14.00 3.00 4.00 5.00 5.50 8.0026 Inter kontnntal 3.37 4.38 14.00 12.33 9.96 9.95 2.66 2.27 10.29 8.00 8.79 6.6527 VAKIF Bank 2.00 11.00 12.00 13.00 13.0028 Credit Libanais 2.00 2.00 2.00 14.00 15.00 16.00 2.75 2.75 2.75 2.75 14.00 15.0029 Turkiye IS Bankasi 1.50 10.00 10.00 10.00 10.0030 ERBIL BANK 7.25 8.00 8.50 15.00 15.00 15.00 3.00 3.00 3.50 15.00 15.00 15.00 15.0031 ALBaraka Bank 11.00 11.00 11.00 10.00 10.00 10.00 10.00
32 INTERNATIONAL DEVELOPMENT BANK 6.00 8.00 10.00 10.00 14.00 15.00 16.00 3.00 4.00 6.00 10.00 11.00 12.00
33 Bank AsyA 11.00 12.00 12.00 14.0034 BANK MELLI IRAN 2.00 14.0035 Bank MED 2.50 2.75 3.00 13.00 10.00 10.00 10.00 11.00 2.50 2.75 3.00 9.00 9.00 9.00 9.0036 Banque Libano Francaise SAL 2.00 7.00 10.00 2.25 3.2537 Fransabank 4.00 4.25 4.00 4.50
38RT BANK (Region Trade Bank For
Investment & Finance (Formerly 8.00 7.00 8.00 14.00 10.00 12.00 5.00 5.50 6.00 10.00 12.00
39BBAC (Bank of Beirut & the Arab
Countries)2.00 3.00 11.00 11.00 2.50 3.00 11.00
40 Parsian Bank 6.00 8.00 15.00
41 BLOM BANK 5.00 2.30 25.00
4.5 5.1 6.0 6.5 6.9 13.4 13.3 12.5 12.3 12.8 2.5 2.9 3.6 3.7 12.1 12.0 11.9 11.4
Central Bank of Iraq
Statistics & Research Dep. / Financial Market Research Division
A Tabel of interest rates Posted by the Commercial Banks for may 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits Interest rates on deposits
Sa
vin
g
Cu
rren
t a
cc
ou
nt(o
ve
r d
raft)
Dis
co
un
ted
bill
of e
xc
ha
ng
e
Fixed deposits
sa
vin
g
Fixed deposits Loans
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rate
Interest rates on credit
Loans
Page 10
6 M
on
ths
ye
ar
2 y
ears
Mo
re th
an
2 y
ears
Sh
ort te
rm
Mid
ium
te
rm
Ion
g te
rm
Les
s th
an
a y
ear
A y
ear
Mo
re th
an
a y
ear
Sh
ort te
rm
less
than
a
ye
ar
Mid
ium
te
rm a
yea
r
Lo
ng
term
m
ore
than
o
ne y
ear
mo
re th
an
tw
o y
ea
rs
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4.0 5.0 6.0 7.0 12.0 10 1.0 1.0 1.5
2 Agricultural Cooperation Bank 3.0 1.0 2.0 3.0 14.0 14.0 10.0 12.0 12.0
3 Realestate Bank 3.0 3.5 4.0 5.0 10.0 12.0 13.0
3.3 3.2 4.0 5.0 14.0 14.0 10.0 12.0 11.7 1.0 1.0 1.5
Economic & Research Dep./ Financial Market Research Division
A Tabel of interest rates Posted by the Specialized Banks for may 2015*
Fixed deposits Loans
sa
vin
g
Bank Name
Interest rates on credits
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on deposits
Dis
co
un
ted
bill
of e
xc
han
ge
Fixed deposits Loans
Cu
rren
t ac
co
un
t(ove
r d
raft)
*((primary Data))
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rat
Interest rates on credts
Sav
ing
Source: Official books for all banks operating in Iraq and received the Central Bank of Iraq for the month of May 2015
Page 11
6 M
on
ths
year
2 y
ears
Mo
re th
an
2
years
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Less th
an
a
year
A y
ear
Mo
re th
an
a
year
Sh
ort te
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less th
an
a
year
Mid
ium
term
a y
ear
Lo
ng
term
m
ore
than
o
ne y
ear
mo
re th
an
tw
o y
ears
7% 8% 9% 10% 14% 15% 16%
1 Rafidain Bank 4.00 5.00 5.50 6.00 9.00 9.00 9.00 10.00 11.00 1.00 1.50 1.75 2.00 8.00 9.00 10.00
2 Rasheed Bank 3.5 4.5 5.0 6.5 10.0 10.0 10.0 11.0 12.0 1.0 1.5 1.5 2.5 10.0 10.0 10.0
3 T.B.I 3.0 3.25 3.75 10.0 10.0 10.0 10.0 1.0 1.5 2.0 8.0 8.0 8.0
4 Bank of Baghdad 2.50 3.00 3.00 7.00 8.00 10.00 1.00 1.50 1.50 8.00 9.00 9.00 9.00
5 Commercial Bank of Iraq 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00
6 Iraqi Middle East Investment Bank 5.00 6.00 8.00 12.00 15.00 16.00 3.00 3.50 4.00 14.00 15.00 15.00
7 Investment Bank Of Iraq 6.50 7.00 7.50 15.00 15.00 15.00 4.50 4.30 5.00 12.00
8 United Bank For Investment 6.00 8.00 8.50 14.00 12.00 12.00 12.00 3.00 4.00 5.00 5.50 12.00 12.00
9 Dar Es Salaam Investment Bank 1.00 3.00 4.00 5.00 15.00 14.00 14.00 14.00 0.50 13.00 13.00 13.00 13.00
10 Mosul Bank 5.00 5.50 6.00 6.00 6.00 12.00 12.00 12.00 12.00 12.00 1.50 2.00 2.50 2.50 12.00 12.00 12.00 12.00
11 Babylon Bank 7.00 9.00 9.00 16.00 15.00 15.00 5.00 6.00 6.00 14.00
12 National Bank Of Iraq 4.70 5.60 5.80 7.00 8.00 13.00 13.00 13.00 13.00 14.00 2.40 2.75 2.90 3.15 13.00 14.00 14.00
13 Credit Bank Of Iraq 1.00 1.00 1.25 12.00 12.00 12.00 13.00 13.00 0.25 0.25 0.25 12.00 13.00 13.00 13.00
14 Economic Bank of Iraq 2.00 2.50 3.00 3.00 17.00 16.00 16.00 16.00 17.00 1.00 1.50 2.00 3.00 16.00 17.00
15 Sumer Bank 7.00 9.00 10.00 8.00 8.00 6.00 8.00 5.00 7.00 8.00 11.00
16 Gulf Commercial Bank 6.50 6.75 6.75 6.75 6.75 15.00 14.00 14.00 15.00 3.50 3.75 3,75 3.75 14.00
17 Warka Bank Of Investment & Finance 5.00 5.50 7.00 25.00 25.00 25.00 2.00 25.00
18 North-Bank 5.00 5.50 6.00 11.00 16.00 11.00 4.00 4.50 5.00 11.00
19 Union Bank of Iraq 8.0 9.0 10.0 14.0 14.0 12.0 14.0 14.0 2.0 2.5 3.0 12.0 14.0 14.0 14.020 Ashur International Bank For Investment 3.00 5.90 6.70 16.00 16.00 10.00 2.00 2.90 3.35 3.50 15.00
21 Mansour Bank 4.00 4.30 11.00 11.00 10.50 2.30 2.50 11.00
22 Agricutur Turkish Bank 2.00 2.50 3.00 25.00 27.00 0.50 1.00 1.00 25.00
23 ALHUDA BANK 7.00 8.00 8.50 9.00 15.00 15.00 13.00 14.00 4.00 5.00 5.50 6.00 10.00 11.00
24 BYBLOS BANK 2.00 2.00 8.00 1.00 1.00 8.00
25 TRANS IRAQ BANK 7.00 8.00 8.50 9.00 8.00 8.00 8.00 8.00 14.00 3.00 4.00 5.00 5.50 8.00
26 Inter kontnntal 3.42 3.50 14.00 10.29 8.67 10.17 2.71 10.37 8.00 8.80 6.65
27 VAKIF Bank 2.00 11.00 12.00 13.00 13.00
28 Credit Libanais 2.0 2.0 2.0 2.0 14.0 15.0 16.0 2.75 2.75 2.75 2.75 14.0 14.0 15.0 16.0
29 IS BANK 1.50 10.00 10.00 10.00 10.00
30 ERBIL BANK 7.25 8.00 8.50 8.50 15.00 15.00 15.00 15.00 15.00 3.00 3.00 3.50 15.00 15.00 15.00 15.00
31 ALBaraka BANK 11.00 11.00 11.00 10.00 10.00 10.00 10.00
32 INTERNATIONAL DEVELOPMENT BANK 6.00 8.00 10.00 10.00 14.00 15.00 16.00 3.00 4.00 6.00 10.00 11.00 12.00
33 BANK ASYA 11.00 12.00 12.00 14.00
34 BANK MELLI IRAN 2.00 14.00 16.00
35 BANK MED 2.50 2.75 3.00 13.00 10.00 10.00 10.00 10.00 2.50 2.75 3.00 9.00 9.00 9.00 9.00
36 Banque Libano Francaise SAL 2.00 7.00 10.00 2.25 3.25 8.00
37 Fransbank 2.75 3.0 3.0 5.0 6.0 9.0 12 13 14 2 2.5 3.00 3.50 12.00 12.00 12.50 13.00
38 Region Trade BANK FOR investment 8.00 7.00 8.00 14.00 10.00 12.00 5.00 5.50 6.00 10.00 12.00
39 BBAC(Bank of Beirut &The aArab 2.00 3.00 11.00 11.00 2.50 3.00 11.00
40 Parsian Bank 6.00 8.00 15.00
41 BLOM BANK 2.23 3.00 2.78 7.30 12.60 12.20
4.4 4.9 6.0 6.3 6.7 13.3 13.4 12.4 12.5 12.9 2.5 2.9 3.5 3.7 11.8 11.6 12.0 12.0
Savin
g
Fixed deposits
Central Bank of Iraq Statistics & Research Dep./Finantial Market Division
A Tabel of interest rates Posted by the Commercial Banks for June 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits Interest rates on deposits Interest rates on credit
Fixed deposits
Cu
rren
t acco
un
t(over
dra
ft)
Dis
co
un
ted
bill
of e
xch
an
ge
Loans
savin
g
Loans
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rate
Page 12
6 M
on
ths
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ar
2 y
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Mo
re th
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2 y
ea
rs
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Le
ss
tha
n a
ye
ar
A y
ea
r
Mo
re th
an
a y
ea
r
Sh
ort te
rm le
ss
tha
n
a y
ea
r
Mid
ium
term
a y
ea
r
Lo
ng
term
mo
re th
an
o
ne
ye
ar
mo
re th
an
two
ye
ars
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4.00 5.00 6.00 7.00 12.00 10.00 1.00 1.00 1.50
2 Agricultural Cooperation Bank 3.00 1.00 2.00 3.00 14.00 14.00 10.00 12.00 12.00
3 Realestate Bank 3.0 3.5 4.0 5.0 10.0 10.0 10.0 12.0 13.0
3.3 3.2 4.0 5.0 12.0 12.0 10.0 12.0 11.7 1.0 1.0 1.5
Source: official books for all banks operating in Iraq and received Central Bank of Iraq for the month of June 2015
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits
Dis
co
un
ted
bill o
f e
xc
ha
ng
e
sa
vin
g
Fixed deposits Loans
CBI Prescribed Rate ( befor 3/31/2004)
Economic & Research Dep./ Financial Market Research Division
A Tabel of interest rates Posted by the Specialized Banks for June 2015*
Interest rates on deposits Interest rates on credts
Sa
vin
g
Fixed deposits
Cu
rren
t ac
co
un
t(ov
er d
raft)
Loans
Average Interest Rat
Primary Data
Page 13
6 M
on
ths
year
2 y
ears
Mo
re th
an
2
years
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Le
ss
tha
n a
year
A y
ea
r
Mo
re th
an
a
year
Sh
ort te
rm
less th
an
a
year
Mid
ium
term
a y
ear
Lo
ng
term
m
ore
than
o
ne
ye
ar
mo
re th
an
tw
o y
ears
7% 8% 9% 10% 14% 15% 16%1 Rafidain Bank 4.00 5.00 5.50 6.00 9.00 10.00 11.00 1.00 1.50 1.75 2.00 8.00 9.00 10.002 Rasheed Bank 3.50 4.50 5.00 6.50 10.00 10.00 10.00 11.00 12.00 1.00 1.50 1.50 2.50 10.00 10.00 10.003 T.B.I 3.00 3.25 3.75 10.00 10.00 10.00 10.00 1.00 1.50 2.00 8.00 8.00 8.004 Bank of Baghdad 2.50 3.00 3.00 8.00 8.00 10.00 1.00 1.50 1.50 9.00 9.00 9.00 9.005 Commercial Bank of Iraq 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.006 Iraqi Middle East Investment Bank 5.00 6.00 8.00 12.00 15.00 16.00 3.00 3.50 4.00 14.00 15.00 15.007 Investment Bank Of Iraq 6.50 7.00 7.50 15.00 15.00 4.50 3.40 5.00 12.008 United Bank For Investment 6.00 8.00 8.50 14.00 12.00 12.00 12.00 3.00 4.00 5.00 5.50 12.00 12.009 Dar Es Salaam Investment Bank 1.00 3.00 4.00 5.00 15.00 14.00 14.00 14.00 0.50 13.00 13.00 13.00 13.0010 Mosul Bank 5.00 5.50 6.00 6.00 6.00 12.00 12.00 12.00 12.00 12.00 1.50 2.00 2.50 2.50 12.00 12.00 12.00 12.0011 Babylon Bank 7.00 9.00 9.00 16.00 15.00 15.00 5.00 6.00 6.00 14.0012 National Bank Of Iraq 4.70 5.60 5.80 7.00 8.00 13.00 13.00 13.00 13.00 14.00 2.40 2.75 2.90 3.15 13.00 14.00 14.0013 Credit Bank Of Iraq 1.00 1.00 1.25 12.00 12.00 12.00 13.00 13.00 0.25 0.25 0.25 12.00 13.00 13.0014 Economic Bank of Iraq 2.00 2.50 3.00 3.00 17.00 16.00 16.00 16.00 17.00 1.00 1.50 2.00 3.00 16.00 17.0015 Sumer Bank 7.00 9.00 10.00 8.00 8.00 6.00 8.00 5.00 7.00 8.00 11.0016 Gulf Commercial Bank 6.50 6.75 6.75 6.75 6.75 15.00 14.00 14.00 15.00 3.50 3.75 3.75 3.75 14.0017 Warka Bank Of Investment & Finance 5.00 5.50 7.00 25.00 25.00 25.00 2.00 25.0018 North-Bank 5.00 5.50 6.00 11.00 16.00 11.00 4.00 4.50 5.00 11.0019 Union Bank of Iraq 8.00 9.00 10.00 14.00 14.00 12.00 14.00 14.00 2.00 2.50 3.00 12.00 14.00 14.00 14.0020
Ashur International Bank For
Investment3.00 5.90 6.70 16.00 16.00 10.00 2.00 2.90 3.35 3.50 15.00
21 Mansour Bank 4.00 4.30 11.00 11.00 10.50 2.30 2.50 11.0022 Agricutur Turkish Bank 2.00 2.50 3.00 25.00 27.00 0.50 1.00 1.00 25.0023 ALHUDA BANK 7.00 8.00 8.50 9.00 15.00 15.00 13.00 14.00 4.00 5.00 5.50 6.00 10.00 11.0024 BYBLOS BANK 2.00 2.00 8.00 1.00 1.00 8.0025 TRANS IRAQ BANK 7.00 8.00 8.50 9.00 8.00 8.00 8.00 8.00 14.00 3.00 4.00 5.00 5.50 8.0026 Inter kontnntal 3.37 4.12 14.00 10.11 8.52 10.19 2.61 2.37 10.43 6.02 6.46 6.6727 VAKIF Bank 2.00 11.00 12.00 13.00 13.0028 Credit Libanais 6.90 6.90 14.00 15.00 16.00 4.40 4.40 14.00 14.00 15.00 16.0029 IS BANK 1.50 8.50 8.50 8.00 6.7530 ERBIL BANK 7.25 8.00 8.50 8.50 15.00 15.00 15.00 15.00 15.00 3.00 3.00 3.50 15.00 15.00 15.00 15.0031 ALBaraka BANK 11.00 11.00 11.00 10.00 10.00 10.00 10.0032
INTERNATIONAL DEVELOPMENT
BANK6.00 8.00 10.00 10.00 14.00 15.00 16.00 3.00 4.00 6.00 10.00 11.00 12.00
33 BANK ASYA 11.00 12.00 12.00 14.0034 BANK MELLI IRAN 2.00 14.00 16.0035 BANK MED 2.50 2.75 3.00 13.00 10.00 10.00 10.00 10.00 2.50 2.75 3.00 9.00 9.00 9.00 9.0036 Banque Libano Francaise SAL 2.00 7.00 10.00 2.25 3.25 8.0037 Fransbank 2.75 3.00 3.00 5.00 6.00 9.00 12.00 13.00 14.00 2.00 2.50 3.00 3.50 12.00 12.00 12.50 13.0038 Region Trade BANK FOR investment 6.00 6.50 7.00 12.00 10.00 12.00 3.00 4.00 5.00 11.00 12.0039
BBAC(Bank of Beirut &The aArab
Countries)4.00 3.00 4.00 5.50 7.00 12.00 12.00 13.00 13.00 14.00 3.00 4.00 5.00 5.50 9.00 10.00 11.00 12.00
40 Parsian Bank 5.00 7.00 14.0041 BLOM BANK 1.62 3.00 2.44 7.23 12.60 12.22
4.6 5.0 6.0 6.5 6.8 13.4 13.5 12.4 12.4 12.9 2.5 2.8 3.6 3.9 11.7 11.5 11.8 11.8
Savin
g
Fixed deposits
Central Bank of Iraq Statistics & Research Dep./Financial Market Division
A Tabel of interest rates Posted by the Commercial Banks for July 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits Interest rates on deposits Interest rates on credit
Fixed deposits
Cu
rren
t acco
un
t(over
dra
ft)
Dis
co
un
ted
bill
of e
xc
ha
ng
e
Loans
savin
g
Loans
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rate
Page 14
6 M
on
ths
ye
ar
2 y
ea
rs
Mo
re th
an
2
ye
ars
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Le
ss
tha
n a
y
ea
r
A y
ea
r
Mo
re th
an
a
ye
ar
Sh
ort te
rm
les
s th
an
a y
ea
r
Mid
ium
term
a
ye
ar
Lo
ng
term
m
ore
tha
n o
ne
y
ea
r
mo
re th
an
two
y
ea
rs
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4.00 5.00 6.00 7.00 12.00 10.00 1.00 1.00 1.50
2 Agricultural Cooperation Bank 3.00 1.00 2.00 3.00 14.00 14.00 2.00 2.00 2.00
3 Realestate Bank 3.00 3.50 4.00 5.00 10.00 10.00 10.00 12.00 13.00
3.3 3.2 4.0 5.0 12.0 12.0 6.0 8.7 8.3 1.0 1.0 1.5
** Decreased interest of Agricultural Loans of self bank resources according of the itme (18 ) of the federal budget law for year 2015
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits Interest rates on deposits Interest rates on credts
Dis
co
un
ted
bill o
f e
xc
ha
ng
e
sa
vin
g
Fixed deposits Loans
CBI Prescribed Rate ( befor 3/31/2004)
Economic & Research Dep./ Financial Market Research Division
A Tabel of interest rates Posted by the Specialized Banks for July 2015*
Average Interest Rate
Primary Data
Source: official latters for all banks operating in Iraq and received Central Bank of Iraq for the month of July 2015
Sa
vin
g
Fixed deposits
Cu
rren
t a
cc
ou
nt(o
ve
r d
raft)
Loans
Page 15
6 M
on
ths
year
2 y
ears
Mo
re th
an
2
years
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Le
ss th
an
a
year
A y
ear
Mo
re th
an
a
year
Sh
ort te
rm
less th
an
a
year
Mid
ium
term
a y
ear
Lo
ng
term
m
ore
tha
n
on
e y
ear
mo
re th
an
tw
o y
ears
7% 8% 9% 10% 14% 15% 16%
1 Rafidain Bank 4.00 5.00 5.50 6.00 9.00 10.00 11.00 1.00 1.50 1.75 2.00 8.00 9.00 10.00
2 Rasheed Bank 3.50 4.50 5.00 6.50 10.00 10.00 10.00 11.00 12.00 1.00 1.50 1.50 2.50 10.00 10.00 10.00
3 T.B.I 3.00 3.25 3.75 3.75 10.00 10.00 10.00 10.00 1.00 1.50 2.00 8.00 8.00 8.00
4 Bank of Baghdad 2.50 3.00 3.00 8.00 8.00 10.00 1.00 1.50 1.50 9.00 9.00 9.00
5 Commercial Bank of Iraq 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00 4.00 4.00 4.00 4.00 12.00 12.00 12.00 12.00
6 Iraqi Middle East Investment Bank 5.00 6.00 8.00 12.00 15.00 16.00 3.00 3.50 4.00 14.00 15.00 15.00
7 Investment Bank Of Iraq 6.50 7.00 7.50 15.00 15.00 4.50 3.40 5.00 12.00
8 United Bank For Investment 6.00 8.00 8.50 14.00 12.00 12.00 12 3.00 4.00 5.00 5.50 12.00 12.00
9 Dar Es Salaam Investment Bank 1.00 3.00 4.00 5.00 15.00 14.00 14.00 14.00 0.50 13.00 13.00 13.00 13.00
10 Mosul Bank 5.00 5.50 6.00 6.00 6.00 12.00 12.00 12.00 12.00 12.00 1.50 2.00 2.50 2.50 12.00 12.00 12.00 12.0011 Babylon Bank 7.00 9.00 9.00 16.00 15.00 15.00 5.00 6.00 6.00 14.00
12 National Bank Of Iraq 4.70 5.60 5.80 7.00 8.00 13.00 13.00 13.00 13.00 14.00 2.40 2.75 2.90 3.15 13.00 14.00 14.00
13 Credit Bank Of Iraq 1.00 1.00 1.25 12.00 12.00 12.00 13.00 13.00 0.25 0.25 0.25 12.00 13.00 13.0014 Economic Bank of Iraq 2.00 2.50 3.00 3.00 17.00 16.00 16.00 16.00 17.00 1.00 1.5 2.00 3.00 16.00 17.00
15 Sumer Bank 7.00 9.00 10.00 8.00 8.00 6.00 8.00 5.00 7.00 8.00 11.00
16 Gulf Commercial Bank 6.5 6.75 6.75 6.75 6.75 15.00 14.00 14.00 15.00 3.5 3.75 3.75 3.75 14.00
17 Warka Bank Of Investment & Finance 5.00 5.50 7.00 25.00 25.00 25.00 2.00 25.00
18 North Bank 5.00 5.50 6.00 11.00 16.00 11.00 4.00 4.5 5.00 11.00
19 Union Bank of Iraq 8.00 9.00 10.00 14.00 14.00 12.00 13.00 2.00 2.5 3.00 13.00
20 Ashur International Bank For Investment 3.00 5.90 6.70 16.00 16.00 10.00 2.00 2.90 3.35 3.50 15.00
21 Mansour Bank 4.00 4.30 11.00 11.00 10.50 2.30 2.50 11.00
22 Agricutur Turkish Bank 2.00 2.50 3.00 25.00 27.00 0.50 1.00 1.00 25.00
23 ALHUDA BANK 7.00 8.00 8.5 9.00 15.00 15.00 13.00 14.00 4.00 5.00 5.5 6.00 10.00 11.00
24 BYBLOS BANK 2.00 2.00 8.00 1.00 1.00 8.0025 TRANS IRAQ BANK 7.00 8.00 8.50 9.00 8.00 8.00 8.00 8.00 14.00 3.00 4.00 5.00 5.50 8.0026 Inter kontnntal 3.37 4.12 14 10.11 8.52 10.19 2.61 2.37 10.43 6.02 6.46 6.6727 VAKIF Bank 2.00 11.00 12.00 13.00 13.0028 Credit Libanais 6.90 6.90 14.00 15.00 16.00 4.40 4.40 14.00 14.00 15.00 16.0029 Turkiye IS Bankasi 1.50 8.50 8.50 8.00 6.7530 ERBIL BANK 7.25 8.00 8.50 15.00 15.00 15.00 3.00 3.00 3.50 15.00 15.00 15.00 15.0031 ALBaraka Bank 11.00 11.00 11.00 10.00 10.00 10.00 10.0032 INTERNATIONAL DEVELOPMENT BANK 6.00 8.00 10.00 10.00 14.00 15.00 16.00 3.00 4.00 6.00 10.00 11.00 12.0033 Bank AsyA 11.00 12.00 12.00 14.0034 BANK MELLI IRAN 2.00 14.00 16.0035 Bank MED 2.50 2.75 3.00 13.00 10 10.00 10.00 10.00 2.50 2.75 3.00 9.00 9.00 9.00 9.0036 Banque Libano Francaise SAL 2.00 7.00 10.00 2.25 3.25 8.0037 Fransabank 2.75 3.00 3.00 5.00 6.00 9.00 12.00 13.00 14.00 2.00 2.50 3.00 3.50 12.00 12.00 12.50 13.0038
RT BANK (Region Trade Bank For Investment & Finance
(Formerly Emerald)6.00 6.50 7.00 12.00 10.00 12.00 3.00 4.00 5.00 11.00 12.00
39 BBAC (Bank of Beirut & the Arab Countries) 4.00 3.00 4.00 5.50 7.00 12.00 12.00 13.00 13.00 14.00 3.00 4.00 5.00 5.50 9.00 10.00 11.00 12.0040 Parsian Bank 5.0 7.0 14.041 BLOM BANK 1.65 3.00 10.20 2.48 7.30 12.60 12.20
4.6 5.0 5.9 6.4 6.8 13.3 13.4 12.4 12.4 12.7 2.5 2.8 3.6 3.9 11.8 11.4 11.7 11.8
Loans
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rate
Fixed deposits
Cu
rren
t acco
un
t(ov
er
dra
ft)
Dis
co
un
ted
bill
of e
xch
an
ge
Loans
savin
g
Fixed deposits
Central Bank of Iraq
Statistics & Research Dep. / Financial Market Research Division
A Tabel of interest rates Posted by the Commercial Banks for Augest 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USDInterest rates on Depeosits Interest rates on credits Interest rates on deposits Interest rates on credit
Savin
g
Page 16
6 M
on
ths
ye
ar
2 y
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rs
Mo
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an
2
ye
ars
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Le
ss
tha
n a
y
ea
r
A y
ea
r
Mo
re th
an
a
ye
ar
Sh
ort te
rm le
ss
th
an
a y
ea
r
Mid
ium
term
a
ye
ar
Lo
ng
term
m
ore
tha
n o
ne
y
ea
r
mo
re th
an
two
y
ea
rs
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4.00 5.00 6.00 7.00 12.00 10.00 1.00 1.00 1.50
2 Agricultural Cooperation Bank 3.00 1.00 2.00 3.00 14.00 14.00 2.00 2.00 2.00
3 Realestate Bank 3.00 3.50 4.00 5.00 10.00 10.00 10.00 12.00 13.00
3.3 3.2 4.0 5.0 12.0 12.0 6.0 8.7 8.3 1.0 1.0 1.5
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rat
Primary Data
Source: official latters for all banks operating in Iraq and received Central Bank of Iraq for the month of Augest 2015
** Decreased interest of Agricultural Loans of self bank resources according of the itme (18 ) of the federal budget law for year 2015
Interest rates on deposits Interest rates on credts
Sa
vin
g
Fixed deposits
Cu
rren
t a
cc
ou
nt(o
ve
r dra
ft)
Dis
co
un
ted
bill o
f e
xc
ha
ng
e
Loans
sa
vin
g
Fixed deposits Loans
Economic & Research Dep./ Financial Market Research Division
A Tabel of interest rates Posted by the Specialized Banks for Augest 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits
Page 17
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Lo
ng
term
m
ore
tha
n
on
e y
ea
r
mo
re th
an
tw
o y
ea
rs
7% 8% 9% 10% 14% 15% 16%
1 Rafidain Bank 4.0 5.0 5.5 6.0 9.0 10.0 11.0 1.0 1.5 1.75 2.0 8.0 9.0 10.02 Rasheed Bank 3.5 4.5 5.0 6.5 10.0 10.0 10.0 11.0 12.0 1.0 1.5 1.5 2.5 10.0 10.0 10.03 T.B.I 3.0 3.25 3.75 3.75 10.0 10.0 10.0 10.0 1.0 1.5 2.0 2.0 8.0 8.0 8.04 Bank of Baghdad 2.5 3.0 3.0 8.0 8.0 10.0 1.0 1.5 1.5 9.0 9.0 9.0 9.05 Commercial Bank of Iraq 4.0 4.0 4.0 4.0 12.0 12.0 12.0 12.0 4.0 4.0 4.0 4.0 12.0 12.0 12.0 12.06 Iraqi Middle East Investment Bank 5.0 6.0 8.0 12.0 15.0 16.0 3.0 3.5 4.0 14.0 15.0 15.07 Investment Bank Of Iraq 6.5 7.0 7.5 15.0 15.0 4.5 4.3 5.0 12.08 United Bank For Investment 6.0 8.0 8.5 14.0 12.0 12.0 12.0 3.0 4.0 5.0 5.5 12.0 12.09 Dar Es Salaam Investment Bank 1.0 3.0 4.0 5.0 15.0 14.0 14.0 14.0 0.5 13.0 13.0 13.0 13.0
10 Mosul Bank 5.0 5.5 6.0 6.0 6.0 12.0 12.0 12.0 12.0 12.0 1.5 2.0 2.5 2.5 12.0 12.0 12.0 12.011 Babylon Bank 7.0 9.0 9.0 16.0 15.0 15.0 5.0 6.0 6.0 14.012 National Bank Of Iraq 4.70 5.60 5.80 7.00 8.00 13.00 13.00 13.00 13.00 14.00 2.40 2.75 2.90 3.15 13.00 14.00 14.00
13 Credit Bank Of Iraq 1.00 1.00 1.25 12.0 12.0 12.0 13.0 13.0 0.25 0.25 0.25 12.0 13.0 13.0014 Economic Bank of Iraq 2.0 2.5 3.0 3.0 17.0 16.0 16.0 16.0 17.0 1.0 1.5 2.0 3.0 16.0 17.015 Sumer Bank 7.0 9.0 10.0 8.0 8.0 6.0 8.0 5.0 7.0 8.0 11.0 16 Gulf Commercial Bank 6.5 6.75 15.0 14.0 14.0 15.0 3.5 3.75 14.017 Warka Bank Of Investment & Finance 5.0 5.5 7.0 25.0 25.0 25.0 2.0 25.018 North Bank 5.0 5.5 6.0 11.0 16.0 11.0 4.0 4.5 5.0 11.019 Union Bank of Iraq 8.0 9.0 10.0 14.0 14.0 12.0 13.0 2.0 2.5 3.0 13.020 Ashur International Bank For Investment 3.0 5.9 6.7 16.0 16.0 10.0 2.0 2.9 3.35 3.5 15.021 Mansour Bank 4.0 4.3 11.0 11.0 10.5 2.3 2.5 11.022 Agricutur Turkish Bank 2.0 2.5 3.0 25.0 27.0 0.5 1.0 1.0 25.023 ALHUDA BANK 7.0 8.0 8.5 9.0 15.0 15.0 13.0 14.0 4.0 5.0 5.5 6.0 10.0 11.024 BYBLOS BANK 2.0 2.0 8.0 1.0 1.0 8.025 TRANS IRAQ BANK 7.0 8.0 8.5 9.0 8.0 8.0 8.0 8.0 14.0 3.0 4.0 5.0 5.5 8.026 Inter kontnntal 3.37 4.12 14.00 10.11 8.52 10.19 2.61 2.37 10.43 6.02 6.46 6.6727 VAKIF Bank 2.0 11.0 12.0 13.0 13.028 Credit Libanais 6.9 6.9 14.0 15.0 16.0 4.4 4.4 14.0 14.0 15.0 16.029 Turkiye IS Bankasi 1.5 8.5 8.5 8.0 6.7530 ERBIL BANK 7.25 8.0 8.50 15.0 15.0 15.0 3.0 3.0 3.50 15.0 15.0 15.0 15.031 ALBaraka Bank 11.0 11.0 11.0 10.0 10.0 10.0 10.032 INTERNATIONAL DEVELOPMENT BANK 6.0 8.0 10.0 10.0 14.0 15.0 16.0 3.0 4.0 6.0 10.0 11.0 12.033 Bank AsyA 11.0 12.0 12.0 14.034 BANK MELLI IRAN 2.0 14.0 16.035 Bank MED 2.50 2.75 3 13 10 10 10 10 2.50 2.75 3 9 9 9 9.0036 Banque Libano Francaise SAL 2.00 7.00 10.00 2.25 3.25 8.0037 Fransabank 2.75 3.0 3.0 5.0 6.0 9.0 12.5 13 14 1.0 2.50 3.0 3.50 12.0 12.0 12.50 12.5038
RT BANK (Region Trade Bank For
Investment & Finance (Formerly Emerald)6.00 6.50 7.00 12.00 10.00 12.00 3.00 4.00 5.00 11.00 12.00
39 BBAC (Bank of Beirut & the Arab Countries) 4.00 3.00 4.00 5.50 7.00 12.00 12.00 13.00 13.00 14.00 3.00 4.00 5.00 5.50 9.00 10.00 11.00 12.0040 Parsian Bank 5.0 7.0 14.041 BLOM BANK 1.65 3 10.20 2.48 7.30 12.60 12.20
4.6 4.9 5.8 6.3 6.8 13.3 13.4 12.5 12.4 12.7 2.5 2.8 3.6 3.9 11.8 11.4 11.7 11.6
Loans
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rate
Fixed deposits
Cu
rren
t a
cc
ou
nt(o
ve
r d
raft)
Dis
co
un
ted
b
ill of
ex
ch
an
ge
Loans
sa
vin
g
Fixed deposits
Central Bank of Iraq
Statistics & Research Dep. / Financial Market Research Division
A Tabel of interest rates Posted by the Commercial Banks for September 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits Interest rates on deposits Interest rates on credit
Sa
vin
g
Page 18
6 M
on
ths
ye
ar
2 y
ea
rs
Mo
re th
an
2
ye
ars
Sh
ort te
rm
Mid
ium
te
rm
Ion
g te
rm
Le
ss
tha
n
a y
ea
r
A y
ea
r
Mo
re th
an
a
ye
ar
Sh
ort te
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les
s th
an
a
ye
ar
Mid
ium
te
rm a
ye
ar
Lo
ng
term
m
ore
tha
n
on
e y
ea
r
mo
re th
an
tw
o y
ea
rs
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4.0 5.0 6.0 7.0 12.0 10.0 1.0 1.0 1.5
2 Agricultural Cooperation Bank 3.0 1.0 2.0 3.0 14.0 14.0 2.0 2.0 2.0
3 Realestate Bank 3.0 3.5 4.0 5.0 10.0 10.0 10.0 12.0 13.0
3.3 3.2 4.0 5.0 12.0 12.0 6.0 8.7 8.3 1.0 1.0 1.5
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rat
Primary Data
Source: official latters for all banks operating in Iraq and received Central Bank of Iraq for the month of September 2015
** Decreased interest of Agricultural Loans of self bank resources according of the itme (18 ) of the federal budget law for year 2015
Interest rates on deposits Interest rates on credts
Sa
vin
g
Fixed deposits
Cu
rren
t a
cc
ou
nt(o
ve
r d
raft)
Dis
co
un
ted
bill
of e
xc
ha
ng
e
Loans
sa
vin
g
Fixed deposits Loans
Economic & Research Dep./ Financial Market Research Division
A Tabel of interest rates Posted by the Specialized Banks for September 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits
Page 19
6 M
on
ths
yea
r
2 y
ears
Mo
re tha
n
2 y
ears
Sh
ort term
Mid
ium
term
Ion
g term
Less th
an
a
yea
r
A y
ear
Mo
re tha
n
a y
ear
Sh
ort term
less th
an
a
yea
r
Mid
ium
term
a y
ear
Lo
ng
term
mo
re tha
n
on
e yea
r
mo
re tha
n
two
yea
rs
7% 8% 9% 10% 14% 15% 16%
1 Rafidain Bank 4 5 5.5 6 9 10 11 1 1.5 1.75 2 8 9 10
2 Rasheed Bank 3.5 4.5 5.0 6.5 10.0 10.0 10.0 11.0 12.0 1.0 1.5 1.5 2.5 10.0 10.0 10.0
3 T.B.I 3.0 3.25 3.75 3.75 10.0 10.0 10.0 10.0 1.0 1.5 2.0 2.0 8.0 8.0 8.0
4 Bank of Baghdad 2.5 3.0 3.0 8.0 8.0 10.0 1.0 1.5 1.5 9.0 9.0 9.0 9.0
5 Commercial Bank of Iraq 4.0 4.0 4.0 4.0 12.0 12.0 12.0 12.0 4.0 4.0 4.0 4.0 12.0 12.0 12.0 12.0
6 Iraqi Middle East Investment Bank 5.0 6.0 8.0 12.0 15.0 16.0 3.0 3.5 4.0 14.0 15.0 15.0
7 Investment Bank Of Iraq 6.5 7.0 7.5 15.0 15.0 4.5 4.75 5.0 12.0
8 United Bank For Investment 6.0 8.0 8.5 14.0 12.0 12.0 12.0 3.0 4.0 5.0 5.5 12.0 12.0
9 Dar Es Salaam Investment Bank 1.0 3.0 4.0 5.0 15.0 14.0 14.0 14.0 0.5 13.0 13.0 13.0 13.0
10 Mosul Bank 5.0 5.5 6.0 6.0 6.0 12.0 12.0 12.0 12.0 12.0 1.5 2.0 2.5 2.5 12.0 12.0 12.0 12.0
11 Babylon Bank 7.0 9.0 9.0 16.0 15.0 15.0 5.0 6.0 6.0 14.0
12 National Bank Of Iraq 4.70 5.60 5.80 7.00 8.00 13.00 13.00 13.00 13.00 14.00 2.40 2.75 2.90 3.15 13.00 14.00 14.00
13 Credit Bank Of Iraq 1.0 1.0 1.25 12.0 12.0 12.0 13.0 13.0 0.25 0.25 0.25 12.0 13.0 13.0
14 Economic Bank of Iraq 2.0 2.5 3.0 3.0 17.0 16.0 16.0 16.0 17.0 1.0 1.5 2.0 3.0 16.0 17.0
15 Sumer Bank 8.5 9.0 10.5 13.0 13.0 12.0 13.0 5.0 7.0 8.0 13.5
16 Gulf Commercial Bank 6.5 6.75 15.0 14.0 14.0 15.0 3.5 3.75 14.0
17 Warka Bank Of Investment & Finance 5.0 5.5 7.0 25.0 25.0 25.0 2.0 25.0
18 North Bank 5.0 5.5 6.0 11.0 16.0 11.0 4.0 4.5 5.0 11.0
19 Union Bank of Iraq 8.0 9.0 10.0 14.0 14.0 12.0 14.0 14.0 2.0 2.5 3.0 13.0 14.0 14.0 14.0
20 Ashur International Bank For Investment 3.0 5.9 6.7 16.0 16.0 10.0 2.0 2.9 3.35 3.5 15.0
21 Mansour Bank 4.0 4.3 11.0 11.0 10.5 2.3 2.5 11.0
22 Agricutur Turkish Bank 2.0 2.5 3.0 25.0 27.0 0.5 1.0 1.0 25.0
23 ALHUDA BANK 7.0 8.0 8.5 9.0 15.0 15.0 13.0 14.0 4.0 5.0 5.5 6.0 10.0 11.0
24 BYBLOS BANK 3.5 3.5 8.0 2.4 2.5 8.0
25 TRANS IRAQ BANK 7.0 8.0 8.5 9.0 11.5 11.0 11.0 11.0 14.0 3.0 4.0 5.0 5.5 11.0
26 Inter kontnntal 3.43 5.23 14.0 10.07 9.29 10.21 2.59 2.24 11.55 6.0 8.82 6.70
27 VAKIF Bank 2.0 11.0 12.0 13.0 13.0
28 Credit Libanais 6.90 6.90 14.0 15.0 16.0 4.4 4.4 14.0 14.0 15.0 16.0
29 Turkiye IS Bankasi 1.6 10.25 10.25 10.25 9.40
30 ERBIL BANK 7.25 8.0 8.50 15.0 15.0 15.0 3.0 3.0 3.5 15.0 15.0 15.0 15.0
31 ALBaraka Bank 11.0 11.0 11.0 10.0 10.0 10.0 10.0
32INTERNATIONAL DEVELOPMENT
BANK6.0 8.0 10.0 10.0 14.0 15.0 16.0 3.0 4.0 6.0 10.0 11.0 12.0
33 Bank Asya 11.0 12.0 12.0 14.0
34 BANK MELLI IRAN 2.0 14.0 16.0
35 Bank MED 2.5 2.75 3.0 13.0 10.0 10.0 10.0 10.0 2.5 2.75 3.0 9.0 9.0 9.0 9.0
36 Banque Libano Francaise SAL 2.0 7.0 10.0 2.25 3.25 8.0
37 Fransabank 2.75 3.0 3.0 5.0 6.0 9.0 12.5 13.0 14.0 1.0 2.5 3.0 3.5 12.0 12.0 12.50 12.50
38 RT BANK (Region Trade Bank) 6.00 6.50 7.00 12.00 10.00 12.00 3.00 4.00 5.00 11.00 12.00
39 BBAC (Bank of Beirut & the Arab Countries) 4.00 3.00 4.00 5.50 12.00 12.00 13.00 13.00 14.00 3.00 4.00 5.00 5.50 9.00 10.00 11.00 12.00
40 Parsian Bank 5.0 7.0 14.0
41 BLOM BANK 1.65 3.00 10.20 2.48 7.30 12.60 12.20
4.7 5.0 5.9 6.3 6.7 13.6 13.9 12.7 12.8 12.8 2.5 2.9 3.6 3.9 11.9 11.7 12.0 11.9
Loans
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rate
Interest rates on credits Interest rates on deposits
Fixed deposits Cu
rrent
acco
un
t(ov
er d
raft)
Disco
un
ted
bill o
f ex
cha
ng
e
Loans
Interest rates on credit
Sa
vin
g
sav
ing
Fixed deposits
Central Bank of Iraq
Statistics & Research Dep. / Financial Market Research Division
A Tabel of interest rates Posted by the Commercial Banks for Actober 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits
Page 20
6 M
on
ths
yea
r
2 y
ears
Mo
re th
an
2 y
ears
Sh
ort ter
m
Mid
ium
term
Ion
g ter
m
Less th
an
a y
ear
A y
ear
Mo
re th
an
a y
ear
Sh
ort ter
m less
tha
n a
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r
Mid
ium
term
a
yea
r
Lo
ng
term
mo
re
tha
n o
ne y
ear
mo
re th
an
two
yea
rs
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4.0 5.0 6.0 7.0 12.0 10.0 1.0 1.0 1.5
2 Agricultural Cooperation Bank 3.0 1.0 2.0 3.0 14.0 14.0 2.0 2.0 2.0
3 Realestate Bank 3.0 3.5 4.0 5.0 10.0 10.0 10.0 12.0 13.0
3.3 3.2 4.0 5.0 12.0 12.0 6.0 8.7 8.3 1.0 1.0 1.5
** Decreased interest of Agricultural Loans of self bank resources according of the itme (18 ) of the federal budget law for year 2015
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rat
Primary Data
Source: official latters for all banks operating in Iraq and received Central Bank of Iraq for the month of Actober 2015
Interest rates on deposits Interest rates on credts
Sa
vin
g
Fixed deposits
Cu
rrent a
cco
un
t(ov
er
dra
ft)
Disco
un
ted b
ill of
exch
an
ge
Loans
sav
ing
Fixed deposits Loans
Economic & Research Dep./ Financial Market Research Division
A Tabel of interest rates Posted by the Specialized Banks for Actober 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Interest rates on Depeosits Interest rates on credits
Page 21
6 M
on
ths
yea
r
2 y
ears
Mo
re tha
n 2
yea
rs
Sh
ort term
Mid
ium
term
Ion
g term
Less th
an
a y
ear
A y
ear
Mo
re tha
n a
yea
r
Sh
ort term
less tha
n a
y
ear
Mid
ium
term a
yea
r
Lo
ng
term m
ore th
an
o
ne y
ear
mo
re tha
n tw
o y
ears
7% 8% 9% 10% 14% 15% 16%
1 Rafidain Bank 4 5 5.5 6 9 10 11 1 1.5 1.75 2 8 9 10
2 Rasheed Bank 3.5 4.5 5 6.5 10 10 10 11 12 1 1.5 1.5 2.5 10 10 10
3 T.B.I 3 3.25 3.75 3.75 10 10 10 10 1 1.5 2 2 8 8 8
4 Bank of Baghdad 2.5 3 3 10 8 9 1 1.5 1.5 9 10
5 Commercial Bank of Iraq 4 4 12 12 12 12 12
6 Iraqi Middle East Investment Bank 5 6 8 12 15 16 3 3.5 4 14 15 15
7 Investment Bank Of Iraq 6.5 7 7.5 15 15 4.5 4.75 5 12
8 United Bank For Investment 6.0 8.0 8.5 14.0 12.0 12.0 12.0 3.0 4.0 5.0 5.5 12.0 12.0
9 Dar Es Salaam Investment Bank 1 3 4 5 15 14 14 14 0.5 13 13 13 13
10 Mosul Bank 5.0 5.5 6.0 6.0 6.0 12.0 12.0 12.0 12.0 12.0 1.5 2.0 2.5 2.5 12.0 12.0 12.0 12.0
11 Babylon Bank 7 9 9 16 15 15 5 6 6 14
12 National Bank Of Iraq 4.70 5.60 5.80 7 8 13 13 13 13 14 2.4 2.75 2.90 3.15 13 14 14
13 Credit Bank Of Iraq 1 1 1.25 12 12 12 13 13 0.25 0.25 0.25 12 13 13
14 Economic Bank of Iraq 2 2.5 3 3 1 1.5 2 3
15 Sumer Bank 8.5 9.0 10.5 13.0 13.0 12.0 13.0 5.0 7.0 8.0 13.5
16 Gulf Commercial Bank 6.50 6.75 15 14 14 15 3.50 3.75 14
17 Warka Bank Of Investment & Finance 5 5.5 7 25 25 25 2 25
18 North Bank 5 5.50 6 11 16 11 4 4.50 5 11
19 Union Bank of Iraq 8 9 10 14 14 13 14 14 2 2.5 3 13.0 14 14 14
20 Ashur International Bank For Investment 3.0 5.9 6.7 16 16.0 10 2 2.90 3.35 3.5 15.0
21 Mansour Bank 4 4.3 11 11 10.5 2.3 2.5 11
22 Agricutur Turkish Bank 2 2.5 3 25 27 0.5 1 1 25
23 ALHUDA BANK 7 8 8.5 9 15 15 13 14 4 5 5.5 6 10 11.0
24 BYBLOS BANK 3.5 3.5 8.0 2.4 2.5 8.0
25 TRANS IRAQ BANK 7.0 8.0 8.5 9.0 11.5 11.0 11.0 11.0 14.0 3.0 4.0 5.0 5.5 11.0
26 Inter kontnntal 3.43 5.23 14 10.08 9.64 10.21 2.64 2.36 10.49 6.05 8.51 6.71
27 VAKIF Bank 2 11 12 13 13
28 Credit Libanais 6.9 6.9 14 15 16 4.4 4.4 14 14 15 16
29 Turkiye IS Bankasi 1.6 10.25 10.25 10.25 9.40
30 ERBIL BANK 7.25 8 8.5 15 15 15 3 3 3.5 15 15 15 15
31 ALBaraka Bank 11 11 11 10 10 10 10
32 INTERNATIONAL DEVELOPMENT BANK 6 8 10 10.0 14 15 16 3 4 6 10 11 12
33 Bank AsyA 11.0 12.0 12.0 14.0
34 BANK MELLI IRAN 2.0 14.0 16.0
35 Bank MED 2.5 2.75 3.0 13.0 10.0 10.0 10.0 10.0 2.5 2.75 3.0 9.0 9.0 9.0 9.0
36 Banque Libano Francaise SAL 2.0 7.0 10.0 2.25 3.25 8.0
37 Fransabank 2.75 3.0 3.0 5.0 6.0 9.0 12.5 13.0 14.0 1.0 2.5 3.0 3.5 12.0 12.0 12.50 12.50
38 RT BANK (Region Trade) 6 6.5 7 12 10 12 3 4 5 11 12
39 BBAC (Bank of Beirut & the Arab Countries) 4.00 3.50 4.75 6.00 7.00 12.00 12.00 13.00 13.50 14.00 3.00 4.00 5.00 5.75 9.00 10.00 11.00 12.00
40 Parsian Bank 5 7 14
41 BLOM BANK 1.65 3.00 10.20 2.48 7.30 12.60 12.20
4.7 5.0 5.9 6.6 6.8 13.4 13.7 12.6 12.7 12.8 2.5 2.8 3.6 3.9 11.9 11.5 11.9 12.1
sav
ing
Loans
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rate
Central Bank of Iraq
Statistics & Research Dep. / Financial Market Research Division
A Tabel of interest rates Posted by the Commercial Banks for November 2015*
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Disco
un
ted b
ill of ex
cha
ng
e
Loans
Interest rates on credits Interest rates on depositsInterest rates on Depeosits
Fixed deposits
Interest rates on credit
Sa
vin
g
Fixed deposits
Cu
rrent a
ccou
nt(o
ver d
raft)
Page 22
6 M
on
ths
yea
r
2 y
ears
More th
an
2 y
ears
Sh
ort term
Mid
ium
term
Ion
g term
Less th
an
a y
ear
A y
ear
More th
an
a y
ear
Sh
ort term
less than
a
yea
r
Mid
ium
term a
yea
r
Lon
g term
more th
an
on
e yea
r
more th
an
two y
ears
7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4 5 6 7 12 10 1 1 1.5
2 Agricultural Cooperation Bank 3.0 1.0 2.0 3.0 14.0 14.0 2.0 2.0 2.0
3 Realestate Bank 3 3.5 4 5 10 10 10 12 13
3.3 3.2 4.0 5.0 12.0 12.0 6.0 8.7 8.3 1.0 1.0 1.5
Source: official latters for all banks operating in Iraq and received Central Bank of Iraq for the month of November 2015
** Decreased interest of Agricultural Loans of self bank resources according of the itme (18 ) of the federal budget law for year 2015
CBI Prescribed Rate ( befor 3/31/2004)
Average Interest Rat
Primary Data
Savin
g
Fixed deposits Loans
Bank Name
1- Denominted in Iraqi Dinar 2- Denominated in USD
Cu
rrent a
ccou
nt(o
ver d
raft)
Disco
un
ted b
ill of ex
chan
ge
Fixed deposits Loans
Economic & Research Dep./ Financial Market Research Division
A Tabel of interest rates Posted by the Specialized Banks for November 2015*
savin
g
Interest rates on deposits Interest rates on credts Interest rates on Depeosits Interest rates on credits
Page 23
6 M
on
ths
yea
r
2 y
ea
rs
Mo
re th
an
2 y
ea
rs
Sh
ort te
rm
Mid
ium
term
Ion
g te
rm
Less th
an
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r
A y
ea
r
Mo
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an
a y
ea
r
Sh
ort te
rm
less th
an
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r
Mid
ium
term
a y
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ng
term
mo
re
tha
n o
ne y
ea
r
Lo
ng
term
mo
re
tha
n tw
o y
ea
rs
7% 8% 9% 10% 14% 15% 16%
1 Rafidain Bank 4 5 5.5 6 9 10 11 1 1.5 1.75 2 8 9 10
2 Rasheed Bank 3.5 4.5 5 6.5 10 10 10 11 12 1 1.5 1.5 2.5 9 10 11
3 T.B.I 3 3.25 3.25 3.75 10 10 10 10 1 1.5 2.0 2 8 8 8
4 Bank of Baghdad 2.5 3 3 8 8 10 1 1.5 1.5 9 9 9 9
5 Commercial Bank of Iraq 4 4 4 4 12 12 12 12 4 4 4 4 12 12 12 12
6 Iraqi Middle East Investment Bank 5 6 8 14 15 16 3 3.5 4 14 15 15
7 Investment Bank Of Iraq 6.5 7 7.5 15 15 4.5 4.75 5 12
8 United Bank For Investment 6 8 8.5 14 12 12 12 3 4 5 5.5 12 12
9 Dar Es Salaam Investment Bank 1 3 4 5 15 14 14 14 0.5 13 13 13 13
10 Mosul Bank 5 5.5 6 6 6 12 12 12 1.5 2 2.5 2.5 12 12 12 12
11 Babylon Bank 7 9 9 16 15 15 5 6 6 14
12 National Bank Of Iraq 4.49 5.29 5.49 6.13 8 13 13 13 13 14 2.18 2.45 2.60 2.85 13 14 14
13 Credit Bank Of Iraq 1 1 1.25 12 12 12 13 13 0.25 0.25 0.25 12 13 13
14 Economic Bank of Iraq 2 2.5 3 3 1 1.5 2 3
15 Sumer Bank 8.5 9 10.5 13 13 12 13 5 7 8 13.5
16 Gulf Commercial Bank 6.50 6.75 15 14 14 15 3.50 3.75 14
17 Warka Bank Of Investment & Finance 5 5.5 7 25 25 25 2 25
18 North-Bank 5 5.5 6 11 16 11 4 4.5 5 11
19 Union Bank of Iraq 8 9 10 14 14 12 13 2 2.5 3 13
20 Ashur International Bank For Investment 3 5.90 6.70 16 16 10 2 2.90 3.35 3.50 15
21 Mansour Bank 4 4.3 11 11 10.5 2.3 2.5 11
22 Agricultur Turkish Bank 2 2.5 3 25 27 0.5 1 1 25
23 ALHUDA BANK 7 8 8.5 9 15 15 13 14 4 5 5.5 6 10 11
24 BYBLOS BANK 3.5 3.5 8 2.4 2.5 8
25 TRANS IRAQ BANK 7 8 8.5 9 11.5 11 11 11 14 3 4 5 5.5 11
26 Inter kontnntal 3.42 5.24 14 11.87 9.64 10.20 2.62 2.67 10.86 6.05 8.48 6.71
27 Vakif Bank 2 11 12 13 13
28 Credit Libanais 6.90 6.90 14 15 16 4.40 4.40 14 14 15 16
29 IS BANK 1.63 10.25 10.25 10.00 9.38
30 ERBIL BANK 7.25 8 8.50 15 15 15 3 3 3.50 15 15 15 15
31 ALBaraka Bank 11 11 11 10 10 10 10
32 INTERNATIONAL DEVELOPMENT BANK 6 8 10 10 14 15 16 3 4 6 10 11 12
33 Bank Asya 11 12 12 14
34 BANK MELLI IRAN 2 14 16
35 Bank MED 2.5 2.75 3 13 10 10 10 10 2.5 2.75 3 9 9 9 9
36 Banque Libano Francaise SAL 2 7 10 2.25 3.25 8
37 Fransabank 2.75 3 3 5 6 9 12.5 13 14 1 2.5 3 3.5 12 12 12.5 12.5
38RT BANK (Region Trade Bank For Investment
& Finance (Formerly Emerald)6 6.5 7 12 10 12 3 4 5 11 12
39 BBAC (Bank of Beirut & the Arab Countries) 4 3.50 4.75 6 7 12 12 13 13.50 14 3 4 5 5.75 9 10 11 12
40 Parsian Bank 5 7 14
41 BLOM BANK 1.65 3.00 10.20 2.48 7.30 12.60 12.20
4.7 5.0 5.9 6.3 6.8 13.6 13.8 12.7 12.7 12.5 2.5 2.9 3.6 3.9 11.9 11.4 11.7 11.8
Central Bank of Iraq
Statistics & Research Dep. / Financial Market Research Division
CBI Prescribed Rate (Before 31/3/2004)
Interest rates on credit Interest rates on deposits
Loans
1- Denominted in ID 2- Denominated in USD
sav
ing
Sa
vin
g
Interest rates on credit
Fixed deposits
Interest rates on Depeosits
Loans
A Tabel of interest rates Posted by the Commercial Banks for December 2015 *
Bank Name
Average Interest Rate
Deb
ited
Cu
rren
t a
cco
un
ts (ov
erd
ra
ft)
Disc
ou
nte
d b
ills of
ex
ch
an
ge
Fixed deposits
Page 24
6 M
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Less th
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A y
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a y
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mo
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mo
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7% 8% 9% 10% 14% 15% 16%
1 Industrial Bank 4 5 6 7 11.5 9 1 1 1.5
2 Agricultural Cooperative Bank** 3 1 2 3 14 14 2 2 2
3 Realestate Bank 3 3.5 4 5 10 10 10 12 13
3.3 3.2 4.0 5.0 12.0 12.0 6.0 8.5 8.0 1.0 1.0 1.5
** Decreased interest of Agricultural Loans of self bank resources according of the itme (18 ) of the federal budget law for year 2015
* ((Primary Data))
Fixed deposits Deb
ited
Cu
rren
t acco
un
ts (o
verd
ra
ft)
Disc
ou
nte
d b
ills of e
xch
an
ge
Loans
Central Bank of Iraq
CBI Prescribed Rate (Before 31/3/2004)
Average Interest Rate
Interest rates on Depeosits
Source: official latters for all banks operating in Iraq and received Central Bank of Iraq for the month of November 2015
Fixed deposits
Sa
vin
g
Loans
Interest rates on creditInterest rates on credit
sav
ing
1- Denominted in ID
A Tabel of interest rates Posted by the Specialized Banks for December 2015 *
Statistics & Research Dep./ Financial Market Research Division
Interest rates on deposits
Bank Name
2- Denominated in USD
