SectionBanks
Banks · Commercial · Private
Gulf Commercial Bank
A private commercial bank, based in Baghdad, listed on the Iraq Stock Exchange as BGUC, licensed by the Central Bank of Iraq.
50
FairFinancial health · out of 100
Bank card
- Type
- Commercial
- Ownership
- Private
- Head office
- Baghdad
- Share
- BGUC
- Website
- gcb.iq
- App
- ★ 4.1 · 52
From a sample of store reviews, not verified experiences.
Financial health
From the 2026 half-year statements
- Capital57
Capital adequacy 15%; the Central Bank minimum is 12.5%. Better than 5% of the banks scored.
- Profitability61
Return on assets 0%, on equity 1%. Better than 54% of the banks scored.
- Liquidity57
Liquidity coverage 136%; at least 100% is required.
- Efficiency29
Costs take 87% of operating income. Better than 38% of the banks scored.
- Activity32
Financing granted is 12% of assets. Better than 20% of the banks scored.
An indicator built from statements filed with the Securities Commission. Not a credit rating and not advice. · Full financial statements
Services
As the bank announces on its site, with the date checked. «Unchecked» means we found no announcement, not that the service does not exist.
- ✓Internet bankingAvailable · 13 September 2026
- ✓CardsAvailable · 13 September 2026
- ✓International transfersAvailable · 13 September 2026
- ✓Salary domiciliationAvailable · 13 September 2026
Financial snapshot
Bank links
Read in Arabic · The editorial notes are available in Arabic.
About this page
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.