Current account
The bank publishes no rate that can be shown
A current account; it carries no return.
- How to apply
- Withdrawals, deposits, transfers and electronic services, per the bank’s page
checked 14 September 2026
SectionBanks
Banks · Commercial · Private
National Bank of Iraq
A private commercial bank, based in Baghdad, listed on the Iraq Stock Exchange as BNOI, licensed by the Central Bank of Iraq.
70
Very goodFinancial health · out of 100
IQWealth is independent: not affiliated with, endorsed by or speaking for National Bank of Iraq. The bank's name and logo belong to the bank and appear here only to identify it.
Bank card
- Type
- Commercial
- Ownership
- Private
- Head office
- Baghdad
- Share
- BNOI
- Website
- nbi.iq
- App
- ★ 4.6 · 32K
From a sample of store reviews, not verified experiences.
Financial health
From the 2026 first-quarter statements
- Capital41
Capital adequacy 23%; the Central Bank minimum is 12.5%. Better than 13% of the banks scored.
- Profitability99
Return on assets 5%, on equity 30%. Better than 93% of the banks scored.
- Liquidity43
Liquidity coverage 111%; at least 100% is required.
- Efficiency92
Costs take 31% of operating income. Better than 85% of the banks scored.
- Activity87
Financing granted is 46% of assets. Better than 74% of the banks scored.
An indicator built from statements filed with the Securities Commission. Not a credit rating and not advice. · Full financial statements
Published products
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.
Zanagin prize savings
The bank publishes no rate that can be shown
Prize-based savings; no fixed return.
checked 14 September 2026
Rates as the bank publishes them; not confirmed with the bank directly.
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.
- ✓Mobile bankingAvailable · 13 September 2026
- ✓Internet bankingAvailable · 13 September 2026
- ✓USD accountAvailable · 13 September 2026
- ✓International transfersAvailable · 13 September 2026
Financial snapshot
Total assets6.42 TFrom exchange disclosures · 2026 Q1
Customer deposits4.05 TFrom exchange disclosures · 2026 Q1
Total equity1.01 TFrom exchange disclosures · 2026 Q1
Net income53.9 BFrom exchange disclosures · 2026 Q1
Capital adequacy22.9%From exchange disclosures · 2026 Q1
Bank links
- موقع المصرف — تحقق من صفحة العراق للجهات الأجنبية ↗
- دليل البنك المركزي ↗
- صفحة التطبيق الصحيح ↗
- تعرفة الرسوم التي استندنا إليها ↗
Sources (12)
- Central Bank of Iraq - Local banks
- NBI - Personal accounts
- NBI - Corporate fixed deposits
- NBI - Corporate current account
- Google Play - National Bank of Iraq app · 23 August 2026
- National Bank of Iraq — Apple App Store
- NBI — Fees list April 2026, pp.10–12
- NBI — Electronic services
- NBI — Personal cards
- NBI — Zanageen account 2026
- nbi.iq/
- nbi.iq/zanagin
Read in Arabic · The editorial notes are available in Arabic.
About this page
IQWealth is independent: it has no tie to any bank and is paid by none. Bank names and logos belong to their owners and appear only to identify them.
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.