Banks · Islamic · Private
A private Islamic bank, based in Baghdad, listed on the Iraq Stock Exchange as BMAL, licensed by the Central Bank of Iraq.
71
Very goodFinancial health · out of 100
USD dealing restricted · Restricted in dealing in US dollars under published restrictions. A published USD account does not mean every dollar transaction is possible.
From the 2026 half-year statements
Shareholders' equity is 71% of assets. Better than 78% of the banks scored.
Return on assets 0%, on equity 0%. Better than 49% of the banks scored.
Cash and balances with banks cover 421% of customer deposits. Better than 78% of the banks scored.
Financing granted is 13% of assets. Better than 27% of the banks scored.
An indicator built from statements filed with the Securities Commission. Not a credit rating and not advice. · Full financial statements
One rate per product: the ordinary retail scenario as the bank publishes it, with its conditions. What the bank does not publish is said so rather than left blank.
The bank publishes no rate that can be shown
The bank’s page gives 6.5% in its text and 7% in its own worked example. The two cannot be reconciled from the page, so no rate is shown.
checked 13 September 2026
8%the bank does not state the basis
checked 13 September 2026
Rates as the bank publishes them; not confirmed with the bank directly.
Read in Arabic · The editorial notes are available in Arabic.
Every figure on this page comes from the bank's own source or its exchange filings, with the date it was checked. What the bank does not publish is stated as such rather than left blank.
Rates are as the bank publishes them and were not confirmed with it directly; a figure the bank published more than a year ago stays on the page with its date and is never shown as a current offer.
The rating is editorial, from published sources — the bank's site, the app store and what users write — and neither measures the bank's safety nor is endorsed by it.