Long term more than two years 6.68 9.00 11.1 8.00 9.00 10.00 15.00 14.00 12.00 12.00 13.00 13.00

Long term more than one year 9.00 11.9 8.00 9.00 11.50 15.00 10.00 15.00 12.00 12.00 10.00 12.00 10.00 10.00 12.00 15.00 12.00 13.00 12.00 13.00 17.00

Loans Midium term a year 9.43 9.00 9.00 9.00 12.1 9.00 8.00 13.00 14.00 10.00 15.00 11.00 12.00 10.00 11.00 25.00 11.00 11.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 13.00 16.00 Interest rates on credit on rates Interest Short term less than a year 8.00 9.00 8.00 8.00 12.2 8.00 8.00 10.65 12.00 10.00 15.00 10.00 11.00 13.50 25.00 11.00 13.00 15.00 11.00 25.00 10.00 10.00 12.00 14.00 12.00 13.00 12.00 14.00 14.00 12.00

More than a year 3.8 5.50 2.75 5.00 3.50 6.00 2.00 2.50 2.00 4.00 5.50 2.50 6.00 3.15 3.00 2- Denominated in USD in Denominated 2-

A year 3.6 5.00 2.75 3.50 4.00 3.00 3.25 3.50 6.00 1.50 8.00 5.00 5.00 3.00 3.35 1.00 5.50 1.25 1.75 1.50 4.00 4.00 5.00 5.00 2.50 6.00 2.90 0.25 2.00 Fixed deposits deposits Fixed Less than a year 2.9 4.00 1.79 2.00 2.75 1.50 3.00 3.00 2.75 2.25 3.00 5.50 3.00 2.30 1.50 7.00 5.00 4.50 2.50 2.90 2.50 1.00 5.00 1.25 1.50 1.50 1.50 4.00 3.50 4.50 4.00 2.00 0.25 1.50 Interest rates on deposits on rates Interest saving 2.5 3.00 2.65 2.75 3.00 2.00 2.50 5.00 2.50 1.00 5.00 4.50 2.00 4.00 2.00 2.00 2.30 0.50 4.00 1.00 1.00 1.00 4.00 3.00 4.50 3.00 0.50 1.50 5.00 2.40 0.25 1.00

Iong term 9.00 9.93 12.7 16% 16.00 11.00 10.00 14.00 16.00 15.00 11.00 12.00 10.00 12.00 12.00 14.00 12.00 14.00 13.00 17.00

Midium term 9.00 8.00 8.00 12.2 8.00 15% Loans 15.00 10.00 12.00 15.00 10.11 15.00 15.00 10.00 11.00 10.00 12.00 16.00 12.00 14.00 12.00 13.00 13.00 16.00 14.50 13.00 14.00

Short term 9.00 7.00 8.00 12.4 9.00 6.00 8.00 14% 14.00 14.00 10.00 10.00 10.00 11.00 12.71 14.00 15.00 10.00 10.00 12.00 15.00 14.00 12.00 14.00 12.00 15.00 13.00 12.00 16.00 13.50 25.00 11.00 12.00 10.00 10.50 27.00 13.00

Discounted bills of

Interest rates on credit on rates Interest exchange 8.00 13.2 9.00 8.00 10.00 10.00 14.00 12.00 15.00 13.00 12.00 16.00 13.50 25.00 16.00 14.00 16.00 11.00 15.00

Debited Current accounts (overdraft) 7.00 8.00 13.3 9.00 8.00 13.00 14.00 11.00 15.00 14.00 10.00 10.00 12.00 12.00 14.00 14.00 12.00 16.00 13.00 12.00 17.00 14.50 25.00 11.00 14.00 16.00 11.00 25.00 15.00

More than 2

years 6.5 6.00 7.00 1- Denominted in ID in Denominted 1-

2 years 6.4 8.00 9.00 6.00 6.50 3.75 4.00 5.00 6.00 9.00 7.00 3.00 7.00 9.00 10%

year 5.9 9% Fixed deposits Fixed 8.00 2.00 3.00 3.00 8.00 8.00 3.00 8.50 2.00 8.50 5.50 5.00 4.00 8.00 8.00 8.50 4.00 6.00 9.00 5.80 1.25 3.00 7.00 7.00 6.00 6.70 3.00 8.50 2.25 10.00 10.00

6 Months 5.0 8% 6.00 2.75 2.00 2.75 7.00 3.00 6.00 5.00 3.00 8.00 4.15 2.00 8.00 5.00 4.50 3.25 4.00 6.00 7.50 8.00 3.00 5.50 5.60 1.00 2.50 9.00 7.00 5.50 5.50 9.00 5.90 4.30 2.50 8.00 2.25 Interest rates on Depeosits Depeosits on rates Interest A Tabel of interest rates Posted by the Commercial Banks for January 2015 * 2015 January for Banks Commercial the by Posted rates interest of Tabel A Saving 4.5 7% 2.00 7.00 3.39 2.00 7.25 4.00 2.50 8.00 3.00 2.50 7.00 6.00 1.00 5.00 7.00 4.70 1.00 2.00 7.00 6.50 5.00 5.00 8.00 3.00 4.00 2.00 4.00 3.50 4.00 5.00 7.00 Bank Name Bank Average Interest Rate Interest Average CBI PrescribedCBI Rate (Before 31/3/2004) Bank MED Bank SAL Francaise Libano Banque Fransabank & Investment For Bank Trade (Region RTBANK Emerald) (Formerly Finance Countries) Arab the & Beirut of (Bank BBAC Bank Parsian BLOMBANK Vakif Bank Vakif Libanais Credit BANK IS BANK ERBIL Bank ALBaraka DEVELOPMENT BANK INTERNATIONAL ASYA Bank IRAN MELLI BANK Union Bank of Iraq of Bank Union Investment For Bank International Ashur Bank Mansour Bank Turkish Agricultur BANK ALHUDA BANK BYBLOS BANK IRAQ TRANS kontnntal Inter National Bank OfIraq Bank National OfIraq Bank Credit Iraq of Bank Economic Bank Sumer Bank Commercial Gulf Finance & OfInvestment Bank Warka North-Bank Bank of Baghdad of Bank Iraq of Bank Commercial Bank Investment East Middle Iraqi OfIraq Bank Investment Investment For Bank United Bank Investment Salaam Es Dar Bank Mosul Bank Babylon Rafidain Bank Rafidain Bank Rasheed T.B.I 4 5 6 7 8 9 1 2 3 35 36 37 38 39 40 41 27 28 29 30 31 32 33 34 19 20 21 22 23 24 25 26 12 13 14 15 16 17 18 10 11 Central Bank of Iraq of Bank Central Division Research Market Financial / Dep. Research & Statistics Long term more than two

years 12.00 12.00 Long term more than one in ID. 11.00 year 11.00

Loans Midium term a (short term)

year 9.00 9.00

Short term Interest ratescredit on less than a , & loans 9.00 year 9.00

More than a year (overdraft) 2- Denominated in USD 2- Denominated respectively in ID.

A year 1.50 1.50 is

Fixed deposits deposits Fixed Less than a

year 1.00 1.00 . .

Interest ratesdeposits on saving 1.00 1.00 . Iong term charged monthly. (11% - 13%) (11% 16% 12.33 12.00 12.00 13.00 (short term , mediumterm) , annually Interest rate on an debited current accounts

Midium term Accept commissions of guarantee. 15% 11.67 11.00 12.00 12.00 Loans (11% - 16%) (11% . (10.5%) (10.5%)

Short term . 9.67 9.00 14% . (11% - 13%) (11% 10.00 10.00 (2.5% - 3%) , (3% - 6%) , - - 6%) 13%) , (11% (2.5% - 3%) (3% , & (7% - 8%) ,- 8%) (7% - (7.5% 8.5%) .

Discounted bills . & discounted bills & loans of exchange . 12.00 14.00 13.00 (8% - 18%) (8% Interest ratescredit on annually.

Debited Current (10%) . (6 months) respectively in foreign currency. accounts is in is ID

(overdraft) 12.00 14.00 13.00 (10%) (10%) (overdraft) (overdraft) (12%) is

is More than 2 , two (a years) year years in foreign currency. respectively in foreign currency is (According deposit premium)(According "Iraqi Company for Banking"Iraqi Company Guarantees" 1- Denominted in ID 1- Denominted (medium term) (According deposit premium)(According 2 years in ID 6.00 7.00 5.00 10% "Iraqi Company for Banking"Iraqi Company Guarantees" (overdraft) (overdraft) is respectively in foreign currency is

year 9% 5.17 6.00 5.50 4.00 & there is an interest percentage on this accounts is (6 months) Interest rate on fixed deposits for Fixed deposits Fixed in Iraqi Dinar & American Dollar is determined according to the agreement between the bank & customer. in foreign currency. (3% - 3.5% - (3% 4%) 6 Months (medium term) 8% (3.5% - 4% - 4.5%) (According deposit - 4.5%)(3.5% - premium) 4% (According . 4.50 5.00 5.00 3.50 Interest rates on Depeosits Interest ratesDepeosits on (12% - 14%) (12% (5 years) (5 years) A Tabel of interest rates Posted by the Specialized Banks for January 2015 * 2015 January for Banks Specialized the by Posted rates interest of Tabel A

Interest rate on an debited current accounts (medium term , long term: more ) than a year & discounted bills & loans for & loans

Saving in Iraqi Dinar & American Dollar is determined according to the agreement between the bank & customer case.for every . 7% 3.67 3.00 4.00 4.00 "Iraqi Company for Banking "Iraqi Company Guarantees" (10% -11%) (10% deposit - 3.75%(3% - 4.5%) premium). (According (a year , two (a years) year credit isin ID determined according to the agreement between the the bank & customer. & an debited current accounts in American Dollar is (overdraft) (6 months) (6% - 18%) (6% in is ID in is ID in American Dollar is The interest rate on fixed deposits respectively in for ID "Iraqi Company for Financing "Iraqi Company Small & Medium Enterprises" Interest rate on fixed deposits for (long term) (more than a year) isin ID "Iraqi Company for Financing "Iraqi Company Small & Medium Enterprises" (6 months) (a year) (a year) (a year) (a year) annually Interest rate on loans extended guaranteed by by guaranteed on loans extended rate Interest annually Interest rate on loans for Interest rate on long term credit Interest rate on saving deposits in Iraqi currency. annually charged monthly on debited current accounts (short term) (medium ) term for a year Interest rate on annually on loans extended in foreign currency guaranteed by Bank Name Bank Interest rate on fixed deposits for (2.75% - 3.5% - 4.25%) Average Interest Rate Average

BBAC (Bank of Beirut & the Arab Countries): (Bank of Beirut -& the 4%) (3% Arab BBAC (12% - 13%) (12% (11%) Industrial Bank Cooperative Bank Agricultural Realestate Bank CBI Prescribed Rate (Before 31/3/2004) ((Primary Data)) ((Primary 19.7 1 2 3 Trans Iraq Bank: - - - 15%) 14%) 14%) , , (8% (8% (8% IS Bank:Turkey - (10% 12%) Fransabank: Interest rate on fixed deposits for Interest rate on fixed deposits for Interest rate on fixed deposits for Interest rate on saving & fixed deposits for Interest rate on an debited current accounts Interest rate on loans Interest rate on loans Union Bank of Iraq: Mansour Bank: Interest rate on monetary credit for Interest rate Interest rate Bank of Baghdad: (11%) CommercialGulf Bank: (12%) Interest rate on loans extended of Sumer Bank: - 10%) (7% Interest rate on fixed deposits for Summary of interestSummary rates determined of some banks 2015: for January Iraqi Middle Eaast Investment Bank: Interest rate on debited current accounts (overdraft) in ID Interest rate on loans extended in guaranteed ID by Interest rate on loans extended in of ID * Central Bank of Iraq of Bank Central Division Research Market Financial Dep./ Research & Statistics more than

two years 6.66 9.00 11.1 8.00 9.00 10.00 15.00 14.00 12.00 12.00 13.00 13.00

Long term more than 9.00 11.9 8.00 9.00 11.43 15.00 10.00 15.00 12.00 12.00 10.00 17.00 one year 10.00 10.00 12.00 15.00 12.00 13.00 12.00 13.00

Loans Midium term a year 9.61 9.00 9.00 9.00 11.7 9.00 8.00 13.00 14.00 10.00 15.00 11.00 12.00 12.00 16.00 11.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 13.00

Interest rates on credit rates Interest Short term less than a 8.00 9.00 8.00 8.00 12.6 8.00 8.00 13.70 12.00 10.00 15.00 10.00 11.00 10.00 11.00 25.00 13.50 25.00 11.00 13.00 15.00 11.00 25.00 10.00 year 10.00 12.00 14.00 12.00 13.00 12.00 14.00 14.00 12.00

More than a

year 3.8 5.50 2.75 3.00 5.00 3.50 6.00 2.00 2.50 2.00 4.00 5.50 2.50 6.00 3.15 2- Denominated inDenominated 2- USD A year 3.5 5.00 2.75 3.50 4.00 3.00 3.25 3.50 6.00 1.50 2.00 8.00 5.00 5.00 3.00 3.35 1.00 5.50 1.00 1.75 1.50 4.00 4.00 5.00 5.00 2.50 6.00 2.90 0.25

Fixed deposits Less than a

year 2.9 4.00 1.94 2.00 2.75 1.50 3.00 3.00 2.75 2.25 3.00 5.50 3.00 2.30 1.50 1.50 7.00 5.00 4.50 2.50 2.90 2.50 1.00 5.00 1.00 1.50 1.50 1.50 4.00 3.50 4.50 4.00 2.00 0.25 Interest rates on deposits rates Interest saving 2.5 3.00 2.63 2.75 3.00 2.00 2.50 5.00 2.50 1.00 1.00 5.00 4.50 2.00 4.00 2.00 2.00 2.30 0.50 4.00 1.00 1.00 1.00 4.00 3.00 4.50 3.00 0.50 1.50 5.00 2.40 0.25

Iong term 9.90 9.00 12.8 16% 14.00 16.00 15.00 16.00 11.00 10.00 17.00 14.50 11.00 12.00 10.00 12.00 12.00 14.00 12.00 14.00 13.00

Midium term 9.00 8.00 8.00 12.2 8.00 15% Loans 15.00 15.00 10.00 12.00 15.00 10.15 15.00 10.00 11.00 10.00 12.00 16.00 12.00 14.00 12.00 13.00 13.00 16.00 14.50 13.00 14.00

Short term 9.00 7.00 8.00 12.4 9.00 6.00 8.00 14% 15.00 14.00 14.00 10.00 10.00 10.00 11.00 12.77 14.00 10.00 10.00 12.00 15.00 14.00 12.00 14.00 12.00 15.00 13.00 12.00 16.00 13.50 25.00 11.00 12.00 10.00 10.50 27.00 13.00

Discounted bill of exchange 8.00 13.2 9.00 8.00 10.00 10.00 14.00 12.00 15.00 13.00 12.00 16.00 13.50 25.00 16.00 14.00 16.00 11.00 15.00 Interest rates on credits rates Interest

Current account(over 7.00 8.00 13.3 9.00 8.00 13.00 14.00 11.00 14.00

draft) 10.00 10.00 12.00 12.00 14.00 14.00 15.00 12.00 16.00 13.00 12.00 17.00 14.50 25.00 11.00 14.00 16.00 11.00 25.00 15.00

More than 2

years 6.5 6.00 7.00

1- Denominted 1- in Iraqi Dinar 2 years 6.4 8.00 9.00 6.00 6.50 3.75 4.00 5.00 6.00 9.00 7.00 3.00 7.00 9.00 10%

year 5.9 9% 8.50 8.00 2.00 3.00 3.00 8.00 8.00 3.00 8.50 2.00 5.50 5.00 4.00 8.00 8.00 8.50 4.00 6.00 9.00 5.80 1.25 3.00 7.00 7.00 6.00 6.70 3.00 8.50 2.00 Fixed deposits 10.00 10.00

6 Months 5.0 8% 8.00 6.00 2.75 2.00 2.75 7.00 3.00 6.00 5.00 3.00 8.00 4.77 2.00 5.00 4.50 3.25 4.00 6.00 7.50 8.00 3.00 5.50 5.60 1.00 2.50 9.00 7.00 5.50 5.50 9.00 5.90 4.30 2.50 8.00 2.00 A Tabel of interest rates Posted by the Commercial Banks for february 2015* february for Banks Commercial the by Posted rates interest of Tabel A Interest rates on Depeosits rates Interest

Saving 4.5 7% 8.00 2.00 7.00 3.31 2.00 7.25 4.00 2.50 3.00 2.50 2.00 7.00 5.00 7.00 6.00 1.00 5.00 7.00 4.70 1.00 2.00 7.00 6.50 5.00 5.00 8.00 3.00 4.00 4.00 3.50 4.00 Bank Name Bank Average Interest Rate Interest Average CBI Prescribed Rate ( befor 3/31/2004) Rate Prescribed CBI BLOM BANK BANK MELLI IRAN BANK MEDBank Banque LibanoSAL Francaise Fransabank (RegionFor Bank Trade RT BANK Emerald) Finance& (Formerly Investment of the & (Bank Arab Beirut BBAC Countries) Bank Parsian Inter kontnntal Bank Vakif LibanaisCredit IS BANK ERBIL BANK Bank ALBaraka DEVELOPMENT BANK INTERNATIONAL ASYA Bank North-Bank Union of Bank Iraq International For Bank Investment Ashur Mansour Bank Turkish Bank Agricultur BANK ALHUDA BYBLOS BANK BANK IRAQ TRANS Mosul Bank Bank Babylon OfNational Bank Iraq Of Bank Iraq Credit ofEconomic Bank Iraq Bank Sumer Bank Gulf Commercial Finance& Of Bank Investment Warka Rasheed Bank Rasheed T.B.I of Bank Baghdad of Bank Iraq Commercial Iraqi Middle Bank Investment East Of Bank Iraq Investment ForUnited Bank Investment Bank Investment Salaam Es Dar Rafidain Bank 8 9 4 5 6 7 1 2 3 40 41 36 37 38 39 32 33 34 35 28 29 30 31 24 25 26 27 20 21 22 23 16 17 18 19 12 13 14 15 10 11 Central Bank of Bank Iraq Central Division Dep. / Financial Research Market Research & Statistics more than two years 12.00 12.00

Long term more than 11.00

one year 11.00

Loans Midium term a year 9.00 9.00

Interest rates on credts on credts rates Interest Short term less than a 9.00 year 9.00

More than a year 2- inDenominated 2- USD A year 1.50 1.50

Fixed deposits Less than a year 1.00 1.00 Interest rates on deposits rates Interest saving 1.00 1.00

Iong term 16% 12.33 12.00 12.00 13.00

Midium term 15% Loans 11.67 11.00 12.00 12.00

Short term 14% 9.67 9.00 10.00 10.00

Discounted bill of exchange 12.00 14.00 13.00 Interest rates on credits rates Interest

Current account(over draft) 12.00 14.00 13.00

More than 2 years

1- Denominted 1- in Iraqi Dinar 2 years 10% 6.00 7.00 6.00 5.00

year 9% 5.17 6.00 5.50 4.00 Fixed deposits

6 Months 8% 4.50 5.00 5.00 3.50 Interest rates on Depeosits rates Interest

Saving A Tabel of interest A rates Posted the Specialized by Banks for 2015* february 7% 3.67 4.00 3.00 4.00 (8% -15%) interest rate on current accounts receivable (short), (8% discounted bills,(short), -14%), accounts interestcurrent loans on (short-term,(8% rate receivable -15%) medium-term) in dinars. Iraqi (2.75% -3.5% -4.25%), the interest rate on fixed deposits for (6 months) in Iraqi dinars (depending on the deposit amount).on deposits months) for (6 -3.5% (2.75% (depending the -4.25%), interestfixed in dinars on Iraqi rate (12% -16%) interest pricesmeet ratsaccount -16%) (12% the (10.5%) current and on monthly those on accounts and Bank Name Bank (7% -10%) interest rate on savings deposits (savings) in currency. Iraqi interestsavings deposits on (7% rate -10%) (savings) (7%) interest rats on the fixed deposit rate for the six months and two years in dinars, Iraqi years months for the deposit rate six two interest (7%) and rats the fixed on (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 in on dollar rate deposits (lessyear) one than interestfixed on (1% deposit -3.75%) rate rate interestthe (2% fixed -5%) on rate Average Interest Rat Interest Average (10% -12%) interest rate on credit for (the year, and more than a year) in us Doller more and a year) than interestcredit on for rate -12%) year, (10% (the the interest rate on the current accounts (overdraft) (short) and discounted bills loans (mediumand and (short) term)accounts the interestthe current on (8% rate -18%). (overdraft) in dinars Iraqi Interest rate on loans (short-term) in Iraqi dinars (6% -18%) and the interestthe (medium-termon and rate Interest (6% loans -18%) (short-term) in on dinars Iraqi rate yea for one The interest rate on fixed deposits for (years) in Iraqi dinars (3% -3.75% -4.5%) (according to the deposit amount). (according (3% -4.5%) -3.75% in dinars Iraqi deposits for (years) interestfixed The on rate deposits months)for (6 to the interestfixed to deposit The (3% amount).on -3.5% (according rate the -4%) US dollar to in the deposit US (3.5% amount). dollars -4% (according -4.5%) deposits for (years) interestfixed The on rate -11%) (10% in dinars Iraqi deposits for (years) interestfixed The on rate (12%) interest rats on the loans granted to ensure the Iraqi Company for guarantees prices for guarantees the Company Iraqi to interest ensure rats (12%) the loans on granted from SMEs. for Financing dinars interest Iraqi the Company Iraqi rates loans (10%) granted on by months, interest loans rate in for (11%) on . dollars (six years) Industrial Bank Cooperation Bank Agricultural Bank Realestate CBI Prescribed Rate ( befor 3/31/2004) Rate Prescribed CBI 3 1 2 *((primary Data)) *((primary Bank of of Sumer: Bank Bank ish: Bank fixed deposits for (years) in the usdeposits Doller for (years) fixed Bank: Fransabank Byblos Bank: Byblos Rasheed Bank: Rasheed : Iraq Bank TRANS Middle Bank: East *((primary Data)) *((primary 2015 month the for some banks of at February rates interest Summary Central Bank of Bank Iraq Central Division Dep./ Financial Research Market Research & Statistics Long term more than two 6.65 11.3 8.00 9.00 13.00 10.00 15.00 10.00 14.00 12.00 12.00 13.00 years 13.00 Long term more than one 8.79 11.9 8.00 9.00 13.00 15.00 10.00 15.00 10.00 12.00 12.00 10.00 12.00 13.00 17.00 year 10.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00

Loans Midium term a 8.00 9.00 9.00 12.0 year 9.00 8.00 12.00 14.00 10.00 15.00 10.00 11.00 12.00 10.00 11.00 25.00 13.00 16.00 11.00 11.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 Short term Interest rates on credit on rates Interest less than a 8.00 8.00 8.00 12.2 8.00 8.00 10.50 11.00 10.00 15.00 10.00 10.00 11.00 12.00 13.50 25.00 11.00 13.00 15.00 11.00 25.00 10.00 year 10.00 12.00 14.00 12.00 13.00 12.00 14.00 13.00 More than a 3.8 5.50 2.75 3.00 5.00 3.50 6.00 year 2.00 2.50 2.00 4.00 5.50 2.50 6.00 3.15

2- Denominated in USD in Denominated 2- A year 3.6 5.00 2.75 3.50 4.00 3.00 3.25 4.50 6.00 1.50 0.25 2.00 8.00 5.00 5.00 3.00 3.35 1.00 5.50 1.00 1.75 1.50 4.00 4.00 5.00 5.00 2.50 6.00 2.90

Less than a Fixed deposits deposits Fixed 2.9 4.00 1.75 2.00 2.75 1.50 3.00 3.00 2.75 2.25 4.00 5.50 3.00 2.30 1.50 2.75 0.25 1.50 7.00 5.00 4.50 2.50 2.90 2.50 1.00 5.00 1.00 year 1.50 1.50 1.50 4.00 3.50 4.50 4.00 2.00

saving 2.5 Interest rates on deposits on rates Interest 3.00 2.71 2.75 3.00 2.00 2.50 5.00 2.50 1.00 0.25 1.00 5.00 4.50 2.00 4.00 2.00 2.00 2.30 0.50 4.00 1.00 1.00 1.00 4.00 3.00 4.50 3.00 0.50 1.50 5.00 2.40

Iong term 9.92 12.9 16% 14.00 16.00 15.00 11.00 16.00 11.00 13.00 17.00 14.50 11.00 12.00 10.00 10.00 12.00 12.00 14.00 12.00 14.00

Midium term 8.00 8.00 12.3 8.00 15% 15.00 11.00 15.00 10.00 12.00 15.00 10.15 15.00 10.00 11.00 10.00 12.00 16.00 12.00 14.00 12.00 13.00 13.00 16.00 14.50 13.00 14.00 Loans

Short term 7.00 8.00 12.5 9.00 6.00 8.00 14% 15.00 11.00 14.00 14.00 10.00 10.00 10.00 11.00 12.54 14.00 10.00 10.00 12.00 15.00 14.00 12.00 14.00 12.00 15.00 13.00 12.00 16.00 13.50 25.00 11.00 12.00 10.00 10.50 27.00 13.00

Discounted bill 8.00 13.2 of exchange 9.00 8.00 10.00 10.00 14.00 12.00 15.00 13.00 12.00 16.00 13.50 25.00 16.00 14.00 16.00 11.00 15.00 Interest rates on credit on rates Interest Current account 7.00 8.00 13.3 (overdraft) 9.00 8.00 13.00 14.00 11.00 15.00 14.00 10.00 10.00 12.00 12.00 14.00 14.00 12.00 16.00 13.00 12.00 17.00 14.50 25.00 11.00 14.00 16.00 11.00 25.00 15.00

More than 2 7.0

years 6.00 8.00 7.00

2 years 6.4 8.00 9.00 6.00 6.50 3.75 4.00 5.00 6.00 9.00 7.00 3.00 7.00 9.00 10% 1- Denominted in Iraqi Dinar Iraqi in Denominted 1-

year 5.9 9% 8.50 8.00 2.00 3.00 4.25 8.00 8.00 3.00 8.50 2.00 5.50 5.00 4.00 8.00 8.00 8.50 4.00 6.00 9.00 5.80 1.25 3.00 7.00 7.00 6.00 6.70 3.00 8.50 2.00 10.00 10.00 Fixed deposits Fixed

6 Months 5.1 8% 8.00 6.00 2.75 2.00 4.00 7.00 3.00 6.00 5.00 3.00 8.00 5.50 2.00 5.00 4.50 3.25 4.00 6.00 7.50 8.00 3.00 5.50 5.60 1.00 2.50 9.00 7.00 5.50 5.50 9.00 5.90 4.30 2.50 8.00 2.00 Interest rates on Depeositson rates Interest Saving 4.5 7% A Tabel A of Interest Rates Posted By the Commercial Banks for March 2015 2.00 7.00 3.10 2.00 7.25 4.00 2.50 8.00 3.00 2.50 2.00 7.00 4.00 5.00 7.00 6.00 1.00 5.00 7.00 4.70 1.00 2.00 7.00 6.50 5.00 5.00 8.00 3.00 4.00 4.00 3.50 BankName Average Interest Rate Average Bank MED Banque Libano Francaise SAL Fransabank (Region Trade Bank For InvestmentRT BANK & Finance Emerald) (Formerly Countries) (Bank of Beirut & the Arab BBAC Parsian Bank BLOM BANK Inter kontnntal Vakif Credit Libanais IS BANK BANK ERBIL Bank ALBaraka DEVELOPMENT BANK INTERNATIONAL Bank ASYA MELLI IRAN BANK North-Bank Union Bank of Iraq International BankAshur For Investment Mansour Bank Turkish Bank Agricultur BANK ALHUDA BANK BYBLOS BANK IRAQ TRANS Dar Es Salaam Investment Bank Mosul Bank Bank Babylon National Bank Iraq Of Credit Bank Iraq Of Economic Bank of Iraq Sumer Bank CommercialGulf Bank Bank Warka Investment Of & Finance Rafidain Bank Rasheed Bank T.B.I Bank of Baghdad Commercial Bank of Iraq Iraqi Middle East Investment Bank Investment Bank Iraq Of United Bank For Investment CBI Prescribed Rat (Befor 31/3/ 2004) 31/3/ (Befor Rat Prescribed CBI 9 1 2 3 4 5 6 7 8 35 36 37 38 39 40 41 26 27 28 29 30 31 32 33 34 18 19 20 21 22 23 24 25 10 11 12 13 14 15 16 17 Central Bank of Iraq Statistics & Research Dep. / Financial Market Research Division Long term more than two years

Long term more than one year

Loans Midium term a year Interest rates on credt Short term less than a year

More than a year 2- Denominated in USD

A year 1.50 1.50

Fixed deposits Less than a year 1.00 1.00

Interest rates on deposits saving 1.00 1.00

Iong term 16% 13.00 12.33 12.00 12.00

Midium term 15% Loans 12.00 12.00 12.00 12.00 .

Short term 14% 10.00 10.00 10.00 10.00

Discounted bill of

Interest rates on credit exchange 12.00 14.00 13.00

Current account (overdraft) 12.00 14.00 13.00

More than 2 meet monthly on those account

years ) 10.5% ( 1- Denominted in Iraqi Dinar

2 years ، 5.00 7.00 3.00 5.00 10% ID ID

)

year 9% 4.00 6.00 2.00 4.00 Fixed deposits overdraft ( 6 Months 8% 3.17 5.00 1.00 3.50 Interest rates on Depeosits

Saving 7% A Tabel A of Interest Rates Posted By the Specialized Banks for March 2015 3.33 4.00 3.00 3.00 interest rates on current account

) 16% - 12% (

: Bank Name (8% -15%) interest rates on current accounts (overdraft) , (8% -14%) discounted bills, (8% -14%) Loans (short & medium-term) ID . Average Interest Rat Average (7% -10%) interest rates on savings deposits (savings) ID . (10% -12%) interest rates on credit (short-term, medium-term, long-term for more than a year, long-term for years) more. in USD than two CBI Prescribed Rate (Befor 31/3/2004) Industrial Bank Cooperative Bank Agricultural Realestate Bank 1 2 3 Is Bank: Sumer Bank: Middle East Bank (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 (10%) Interest Rate on loans granted in ID theby financing of small and medium enterprises . (11%) interest Rate on the loans granted and in guaranteed USD companyby for Bank Guarantees price. (10% -11%) interest rates on fixed deposits for in ayear ID . *((primary Data)) interestof Summary ratesfor Marchbanks some of 2015: IraqTrans Bank: (%14-% 8) the interest rate on short-term credit in USD. (14%) interest Rate on the loans granted in ID and guaranteed iraqi by company for Bank Guarantees . *((primary Data)) Central Bank of Iraq Economic & Research Dep. / Financial Market Research Division more than

two years 9.0 6.65 11.6 13.00 10.00 15.00 10.00 14.00 12.00 12.00 13.00 13.00

Long term

more than 15.0 9.0 7.00 11.9 10.0 8.00

one year 13.00 10.00 15.00 10.00 12.00 12.00 10.00 12.00 13.00 17.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00

Loans Midium term 8.0 a year 9.0 9.0 14.0 9.00 12.2 8.00 12.00 10.00 15.00 10.00 11.00 12.00 16.00 11.00 25.00 13.00 16.00 11.00 11.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 Interest rates on credit on rates Interest Short term less than a 8.0 8.0 8.00 8.00 12.2 8.00

year 11.00 10.00 15.00 10.00 10.00 11.00 12.00 14.00 25.00 11.00 13.00 15.00 11.00 25.00 10.00 10.00 12.00 14.00 12.00 13.00 12.00 14.00 13.00 10.30

More than a 3.7 year 2.0 5.50 2.75 3.00 3.75 3.50 6.00 2.50 2.00 4.00 5.50 2.50 6.00 3.15 2- Denominated in USD in Denominated 2-

A year 3.5 1.5 5.00 2.75 3.50 4.00 3.00 3.25 4.50 6.00 0.25 2.00 8.00 3.75 5.00 3.00 3.35 1.00 5.50 1.00 1.75 1.50 4.00 4.00 5.00 5.00 2.50 6.00 2.90

Fixed deposits deposits Fixed Less than a 2.8 year 1.5 1.5 4.00 2.00 2.75 1.50 3.00 3.00 2.75 2.25 4.00 5.50 3.00 2.30 2.75 0.25 1.50 7.00 3.75 4.50 2.50 2.90 2.50 1.00 5.00 1.00 2.11 1.50 1.50 4.00 3.50 4.00 4.00 2.00

Interest rates on deposits on rates Interest saving 2.5 1.0 1.0 3.00 2.75 3.00 2.00 2.50 5.00 2.50 0.25 1.00 5.00 3.50 2.00 4.00 2.00 2.00 2.30 0.50 4.00 1.00 1.00 4.00 3.00 4.50 3.00 0.50 1.50 5.00 2.40 2.65

Iong term 16.0 12.8 11.0 10.0 9.95 16% 11.00 16.00 11.00 14.00 15.00 12.00 10.00 12.00 12.00 14.00 12.00 14.00 13.00 17.00

Midium term 8.0 8.00 15.0 12.3 10.0 8.00 15% 11.00 15.00 10.00 12.00 15.00 15.00 11.00 10.00 12.00 16.00 12.00 14.00 12.00 13.00 13.00 16.00 15.00 13.00 14.00 Loans 10.14

Short term 9.0 7.0 8.00 14.0 12.5 6.00 8.00 14% 11.00 14.00 14.00 10.00 10.00 10.00 11.00 15.00 10.00 10.00 12.00 15.00 15.00 12.00 14.00 12.00 15.00 13.00 12.00 16.00 14.00 25.00 11.00 12.00 10.00 10.50 27.00 13.00 12.39

Discounted bill

of exchange 9.0 8.00 13.3 8.00 10.00 10.00 15.00 12.00 15.00 13.00 12.00 16.00 14.00 25.00 16.00 14.00 16.00 11.00 15.00 Interest rates on credits on rates Interest

Current account(over 9.0 7.00 8.00 13.4 8.00 14.0

draft) 13.00 14.00 11.00 10.00 10.00 12.00 12.00 15.00 14.00 15.00 12.00 16.00 13.00 12.00 17.00 15.00 25.00 11.00 14.00 16.00 11.00 25.00 15.00

More than 2

years 6.9 6.00 8.00 6.75

1- Denominted in Iraqi Dinar Iraqi in Denominted 1- 2 years 6.4 6.0 8.00 9.00 6.50 3.75 4.00 5.00 6.00 9.00 7.00 3.00 6.75 9.00 10%

year 2.0 5.9 5.5 3.0 9% 8.00 2.00 3.00 4.25 8.00 8.00 8.50 8.50 5.00 4.00 8.00 7.50 8.50 4.00 6.00 9.00 5.80 1.25 3.00 6.75 7.00 6.00 6.70 3.00 8.50 2.00 10.00 10.00 Fixed deposits Fixed

6 Months 2.0 5.0 5.0 3.0 8% 6.00 2.75 2.00 4.00 7.00 3.00 6.00 5.00 8.00 8.00 4.50 3.25 4.00 6.00 7.00 8.00 3.00 5.50 5.60 1.00 2.50 9.00 6.75 5.50 5.50 9.00 5.90 4.30 2.50 8.00 2.00 4.02 Interest rates on Depeosits Depeosits on rates Interest

Saving 2.0 4.5 4.0 2.5 7% 4.00 2.50 8.00 2.00 3.00 7.00 7.25 3.50 4.00 5.00 6.50 6.00 1.00 5.00 7.00 4.70 1.00 2.00 7.00 6.50 5.00 5.00 8.00 3.00 4.00 2.00 7.00 3.39 A Tabel of interest rates Posted by the Commercial Banks for April 2015* April for Banks Commercial the by Posted rates interest of Tabel A Bank Name Bank Average Interest Rate Interest Average CBI Prescribed Rate ( befor 3/31/2004) befor ( Rate Prescribed CBI BANK MED BANK SAL Francaise Libano Banque Fransbank FORinvestment BANK Trade Region Countries) aArab &The Beirut of BBAC(Bank Bank Parsian BLOMBANK Inter kontnntal Inter Bank VakIf Libanais Credit BANK IS BANK ERBIL BANK ALBaraka DEVELOPMENT BANK INTERNATIONAL ASYA BANK IRAN MELLI BANK North-Bank Iraq of Bank Union Investment For Bank International Ashur Bank Mansour Bank Turkish Agricutur BANK ALHUDA BANK BYBLOS BANK IRAQ TRANS Dar Es Salaam Investment Bank Investment Salaam Es Dar Bank Mosul Bank Babylon OfIraq Bank National OfIraq Bank Credit Iraq of Bank Economic Bank Sumer Bank Commercial Gulf Finance & OfInvestment Bank Warka Rafidain Bank Rafidain Bank Rasheed T.B.I Baghdad of Bank Iraq of Bank Commercial Bank Investment East Middle Iraqi OfIraq Bank Investment Investment For Bank United 9 2 3 4 5 6 7 8 4 35 36 37 38 39 40 41 26 27 28 29 30 31 32 33 34 18 19 20 21 22 23 24 25 10 11 12 13 14 15 16 17 Central Bank of Iraq Statistics & Research Dep./Finantial Market Division more than two years

Long term more than one year

Loans Midium term a year

Short term Interest rates credts on less than a year More than a year

2- Denominated in USD 2- Denominated A year 1.5 1.50

Less than Fixed deposits deposits Fixed a year 1.0 1.00

saving 1.0 1.00 Interest ratesdeposits on

Iong term 11.7 16% 10.00 12.00 13.00

Midium

term 12.0 15% 12.00 12.00 12.00 Loans

Short term 10.0 14% 10.00 10.00

Discounted bill

of exchange 14.0 14.00

Interest ratescredits on Current account(over 14.0

draft) 14.00 More than 2 years

2 years 5.0 7.00 3.00 5.00 10% 1- Denominted in Iraqi 1- Dinar Denominted

year 4.0 9% 6.00 2.00 4.00 Fixed deposits Fixed 6 Months 3.2 8% 5.00 1.00 3.50

Interest rates on Depeosits Interest ratesDepeosits on Saving 3.3 7% 4.00 3.00 3.00 A Tabel of interest rates Posted by the Specialized Banks for April 2015* the of Specialized interest Banks Posted for April rates Tabel by A Average Interest Rat Interest Average CBI Prescribed Rate ( befor 3/31/2004) befor ( Rate Prescribed CBI Source: official books officialfor Source: in all Iraq receivedIraqoperating of books Aprilof Central and the banks Bank for 2015 month the Agricultural Cooperation Bank Cooperation Agricultural Bank Realestate Industrial Bank Industrial 2 3 1 Economic & Research Dep./ Research Financial & Market Economic Division Research *((primary Data)) *((primary more than two years 9.00 11.4 9.00 6.65 13.00 10.00 15.00 10.00 14.00 12.00 12.00 13.00 13.00

Long term more than 9.00 11.9 8.00 9.00 8.79 15.00 12.00 13.00 10.00 15.00 10.00 12.00 12.00

one year 10.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 13.00 17.00

Loans Midium term a year 9.00 9.00 12.0 9.00 8.00 8.00 25.00 12.00 14.00 10.00 15.00 10.00 11.00 12.00 10.00 11.00 11.00 11.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 13.00 16.00

Interest rateson credit Interest Short term less than a 8.00 8.00 8.00 9.00 12.1 8.00 8.00 11.00 10.00 15.00 10.00 10.00 11.00 14.00 25.00 11.00 13.00 15.00 11.00 25.00 10.00 year 10.00 12.00 14.00 12.00 13.00 12.00 14.00 13.00 12.00 10.29

More than a

year 3.7 5.50 2.75 3.75 3.50 6.00 2.00 2.50 2.00 4.00 5.50 2.50 6.00 3.15 3.00 2- Denominated2- USDin A year 3.6 5.00 2.75 3.50 6.00 3.25 4.50 6.00 1.50 8.00 3,75 5.00 3.00 3.35 1.00 5.50 1.00 3.00 1.75 1.50 4.00 4.00 5.00 5.00 2.50 6.00 2.90 0.25 2.00

Fixeddeposits Less than a

year 2.9 4.00 2.00 2.75 1.50 3.00 4.00 2.25 4.00 5.50 3.00 2.30 1.50 2.75 7.00 3.75 4.50 2.50 2.90 2.50 1.00 5.00 1.00 2.75 1.50 1.50 1.50 4.00 3.50 4.30 4.00 2.00 0.25 1.50 2.27 Interest rateson deposits Interest saving 2.5 3.00 2.75 3.00 3.00 5.00 2.50 1.00 5.00 3.50 2.00 4.00 2.00 2.00 2.30 0.50 4.00 2.50 1.00 1.00 1.00 4.00 3.00 4.50 3.00 0.50 1.50 5.00 2.40 0.25 1.00 2.66

Iong term 12.8 16% 9.95 16.00 10.00 14.00 16.00 15.00 11.00 11.00 12.00 10.00 12.00 12.00 14.00 12.00 14.00 13.00 17.00 11.00

Midium term 8.00 8.00 12.3 8.00 15% 9.96 15.00 12.00 15.00 15.00 15.00 11.00 10.00 11.00 10.00 12.00 16.00 12.00 14.00 12.00 13.00 13.00 16.00 15.00 13.00 14.00 10.00 Loans

Short term 7.00 8.00 12.5 9.00 6.00 8.00 14% 14.00 14.00 10.00 10.00 11.00 14.00 15.00 11.00 10.00 10.00 12.00 15.00 15.00 12.00 14.00 12.00 15.00 13.00 12.00 16.00 14.00 25.00 11.00 12.00 10.00 10.50 27.00 13.00 10.00 12.33

Discounted bill of exchange 8.00 13.3 9.00 8.00 Interest rateson credits Interest 10.00 15.00 12.00 15.00 13.00 12.00 16.00 14.00 25.00 16.00 14.00 16.00 11.00 15.00 10.00

Current account(over 7.00 8.00 13.4 9.00 8.00 14.00 11.00 10.00 10.00 12.00 12.00 15.00 14.00 15.00 12.00 16.00 13.00 12.00 17.00 15.00 25.00 11.00 14.00 16.00 11.00 25.00 15.00 draft) 13.00 14.00

More than 2

years 6.9 6.00 8.00 6.75 1- Denominted in Iraqi Dinar Denominted1- Iraqi in 2 years 6.5 9.00 6.00 6.50 3.75 4.00 5.00 6.00 9.00 7.00 3.00 6.75 9.00 10% 10.00

year 2.00 6.0 9% 2.00 4.25 8.00 8.00 3.00 8.50 8.50 3.00 5.50 5.00 4.00 8.00 7.50 8.50 4.00 6.00 9.00 5.80 1.25 3.00 6.75 7.00 6.00 6.70 3.00 8.50 2.00 Fixeddeposits 10.00 10.00 10.00 A Tabel of interest A Posted rates bythe Commercial for Banks 2015* may

6 Months 2.00 5.1 8% 8.00 2.00 4.00 7.00 3.00 6.00 5.00 3.00 8.00 8.00 2.75 5.00 4.50 3.25 4.00 6.00 7.00 8.00 3.00 5.50 5.60 1.00 2.50 9.00 6.75 5.50 5.50 9.00 5.90 4.30 2.50 8.00 2.00 4.38 Interest rateson Depeosits Interest

Saving 2.00 4.5 7% 7.00 7.25 6.00 8.00 2.00 3.00 2.50 2.50 6.50 6.00 1.00 5.00 7.00 4.70 1.00 2.00 7.00 6.50 5.00 5.00 8.00 3.00 4.00 2.00 7.00 4.00 3.50 4.00 5.00 3.37 BankName Average Interest Rate Interest Average BanqueLibano Francaise SAL Fransabank (Region Trade RTBANK Bank For Finance& (Formerly Investment (Bankthe&Arab Beirut of BBAC Countries) ParsianBank BANK BLOM Turkiye IS Bankasi TurkiyeIS BANK ERBIL Bank ALBaraka DEVELOPMENT BANK INTERNATIONAL Bank AsyA IRAN MELLI BANK BankMED Ashur International Bank International ForInvestment Ashur MansourBank Turkish Bank Agricutur BANK ALHUDA BYBLOSBANK BANK IRAQ TRANS kontnntal Inter Bank VAKIF Libanais Credit BabylonBank NationalBank Iraq Of Bank Credit Iraq Of EconomicBank Iraq of Bank Sumer Bank Commercial Gulf Finance& Bank Warka Investment Of BankNorth UnionBank Iraq of RasheedBank T.B.I BankBaghdadof Bank Iraq of Commercial Bank East Investment Middle Iraqi Bank Iraq Of Investment UnitedBank Investment For Bank EsDar SalaamInvestment Bank Mosul RafidainBank CBI Prescribed befor3/31/2004)CBI Rate ( 2 3 4 5 6 7 8 9 1 36 37 38 39 40 41 29 30 31 32 33 34 35 20 21 22 23 24 25 26 27 28 11 12 13 14 15 16 17 18 19 10 Central Bank ofIraq Bank Central Division Research Market Financial / Dep. Research & Statistics more than two years Long term more than one year

Loans Midium term a year Short term

Interest rates on credts less than a year More than a year

2- Denominated in USD A year 1.5 1.5

Less than Fixed deposits 1.0 a year 1.0

saving 1.0 Interest rates on deposits 1.0

Iong term 10 11.7 12.0 13.0 16%

Midium 12.0 12.0 12.0 12.0

term 15% Loans

Short term 10.0 10.0 10.0 14%

Discounted bill

of exchange 14.0 14.0 Interest rates on credits Current account(over draft) 14.0 14.0

More than 2 years

1- Denominted in Iraqi Dinar 2 years 5.0 7.0 3.0 5.0 10%

year 4.0 6.0 2.0 4.0 9% Fixed deposits

A Tabel of interest A Posted rates bythe for Banks Specialized 2015* may 6 Months 3.2 5.0 1.0 3.5 8% Interest rates on Depeosits Saving 3.3 3.0 3.0 4.0 7% Bank Name Average Interest Rat Interest Average Source: Official books for all banks operating in Iraq and the received Central Bank of Iraq for the month 2015 of May Industrial Bank Industrial Cooperation Bank Agricultural RealestateBank CBI Prescribed befor3/31/2004)CBI Rate ( 1 2 3 Economic & Research Dep./ Financial Market Research Division *((primary Data)) *((primary more than two years 6.65 16.0 9.00 12.0 9.00 14.0 13.00 10.00 15.00 10.00 14.00 12.00 12.00 13.00 13.00 13.00 12.20 Long term more than 8.0 8.80 15.0 9.00 12.0 10.0 9.00 14.0 13.00 10.00 15.00 10.00 12.00 12.00 12.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 13.00 17.00

one year 12.50 12.60

Loans Midium term

a year 8.0 8.00 14.0 9.00 9.00 11.6 9.00 10.0 14.0 12.00 10.00 15.00 10.00 11.00 12.00 10.00 11.00 11.00 11.00 12.00 15.00 12.00 13.00 12.00 14.00 13.00 16.00 12.00

Short term Interest rates on credit rates Interest less than a 8.0 8.00 14.0 9.00 8.00 8.00 8.00 11.8 8.00 10.0 7.30 12.0 10.37 11.00 10.00 15.00 10.00 10.00 11.00 14.00 25.00 11.00 15.00 11.00 25.00 10.00 12.00 14.00 12.00 13.00 12.00 14.00 13.00 12.00

year 12.00

More than a 3.7 year 2.5 2.0 5.50 2.75 3.75 3.50 6.00 2.00 4.00 5.50 2.50 6.00 3.15 3.00 3.50 2- inDenominated 2- USD A year 3.5 1.5 3.0 5.00 2.75 3.50 6.00 3.00 3.25 6.00 1.50 8.00 3,75 5.00 3.35 1.00 5.50 1.00 1.75 4.00 4.00 5.00 5.00 2.50 6.00 2.90 0.25 2.00 3.00

Less than a Fixed deposits 2.9 1.5 1.5 2.5 year 2.5 4.00 2.00 2.75 1.50 3.00 4.00 2.75 2.25 5.50 3.00 1.50 2.75 7.00 3.75 4.50 2.90 2.50 1.00 5.00 1.00 1.50 4.00 3.50 4.30 4.00 2.00 0.25 1.50 2.78

saving 2 Interest rates on deposits rates Interest 2.5 1.0 1.0 2.0 3.00 2.71 2.75 3.00 3.00 2.50 5.00 2.50 1.00 5.00 3.50 2.00 4.00 2.00 2.30 0.50 4.00 1.00 4.00 3.00 4.50 3.00 0.50 1.50 5.00 2.40 0.25 1.00

Iong term 14 16.0 12.9 12.0 10.0 14.0 16% 14.00 10.17 15.00 11.00 16.00 10.00 10.00 11.00 12.00 12.00 14.00 12.00 14.00 13.00 17.00

Midium term 13 8.00 8.00 8.67 15.0 12.5 11.0 10.0 8.00 14.0 15% 11.00 15.00 16.00 10.00 12.00 15.00 15.00 10.00 12.00 16.00 12.00 14.00 12.00 13.00 13.00 16.00 15.00 14.00 Loans

Short term 12 7.00 8.00 14.0 12.4 9.00 10.0 10.0 6.00 8.00 12.0 14% 11.00 14.00 14.00 10.00 10.00 10.00 11.00 10.29 15.00 12.00 15.00 15.00 12.00 14.00 12.00 15.00 13.00 12.00 16.00 14.00 25.00 11.00 10.00 10.50 27.00 13.00

Discounted bill of exchange 8.00 13.4 9.00 10.0 8.00 14.0 10.00 15.00 15.00 12.00 15.00 13.00 12.00 16.00 14.00 25.00 16.00 16.00 11.00 15.00 Interest rates on credits rates Interest Current account(over 9.0 7.00 8.00 13.3 9.00 10.0 10.0 8.00 14.0 13.00 14.00 11.00 14.00 15.00 draft) 12.00 12.00 15.00 14.00 15.00 12.00 16.00 13.00 12.00 17.00 15.00 25.00 11.00 16.00 11.00 25.00 15.00

More than 2 6.7 years 6.0 6.00 8.00 6.75

1- Denominted 1- in Iraqi Dinar 2 years 2.0 6.3 6.5 5.0 9.00 8.50 6.00 3.75 4.00 5.00 6.00 9.00 7.00 3.00 6.75 9.00 10% 10.00

year 3.00 2.0 6.0 5.0 3.0 9% 3.00 8.00 8.00 3.00 8.50 8.50 5.50 4.00 8.00 7.50 8.50 4.00 6.00 9.00 5.80 1.25 3.00 6.75 7.00 6.00 6.70 3.00 8.50 2.00 10.0 Fixed deposits 10.00 10.00

6 Months 2.0 4.9 4.5 3.0 9.0 8% 8.00 2.75 2.00 7.00 3.00 6.00 3.00 8.00 3.50 8.00 5.00 3.25 4.00 6.00 7.00 8.00 3.00 5.50 5.60 1.00 2.50 9.00 6.75 5.50 5.50 5.90 4.30 2.50 8.00 2.00 2.23 Interest rates on Depeosits rates Interest A Tabel of interest A rates the Posted Commercial by Banks for June2015* Saving 3.0 4.4 3.5 2.0 8.0 7% 6.00 2.00 2.50 8.00 2.00 2.50 7.00 3.42 7.25 4.00 4.00 5.00 6.50 6.00 1.00 5.00 7.00 4.70 1.00 2.00 7.00 6.50 5.00 5.00 3.00 4.00 2.00 7.00 2.75 Bank Name Bank Average InterestRate Average CBI Prescribed Rate ( befor 3/31/2004) Rate Prescribed CBI BANK MED BANK FrancaiseSAL Libano Banque Fransbank investment FOR BANK Trade Region aArab &The Beirut of BBAC(Bank ParsianBank BANK BLOM VAKIF Bank VAKIF Libanais Credit BANK IS BANK ERBIL BANK ALBaraka BANK DEVELOPMENT INTERNATIONAL ASYA BANK IRAN MELLI BANK Union Bank of Iraq Bankof Union Investment BankFor International Ashur Bank Mansour Bank Turkish Agricutur BANK ALHUDA BANK BYBLOS BANK IRAQ TRANS kontnntal Inter Babylon Bank Babylon Iraq BankOf National Iraq BankOf Credit Iraq Bankof Economic SumerBank Commercial Bank Gulf Finance & Investment BankOf Warka North-Bank RasheedBank T.B.I Baghdad Bankof IraqCommercial Bankof Bank EastInvestment Middle Iraqi Iraq BankOf Investment Investment BankFor United Bank DarSalaamEs Investment Bank Mosul Rafidain Bank Rafidain 2 3 4 5 6 7 8 9 1 35 36 37 38 39 40 41 27 28 29 30 31 32 33 34 19 20 21 22 23 24 25 26 11 12 13 14 15 16 17 18 10 Central Bank of Iraq Statistics & Research Dep./Finantial Division Market Research of& Bank Iraq Statistics Central more than two years

Long term more than one year

Loans Midium term a year

Short term less than Interest rates on credtsInterestrates on a year

More than a year

2- Denominated in USD in Denominated 2- A year 1.5 1.50

Fixed deposits deposits Fixed Less than a year 1.0 1.00

saving 1.0 1.00 Interest rates on deposits Interestrates on

Iong term 11.7 13.0 16% 12.00 10.00

Midium term 12.0 12.0 15% 12.00 12.00 Loans

Short term 10.0 10.0 14% 10.00

Discounted bill of

exchange 12.0 10.0 14.00 Interest rates on credits Interestrates on

Current account(over draft) 12.0 10.0 14.00

More than 2 years

2 years 1- Denominted in Iraqi Dinar Iraqi in Denominted 1- 5.0 5.0 7.00 3.00 10%

year 4.0 4.0 9% 6.00 2.00 Fixed deposits Fixed

6 Months 3.2 3.5 8% 5.00 1.00 Interest rates on DepeositsInterestrates on Saving 3.3 3.0 7% 4.00 3.00 A Tabel of interest rates Posted by the Specialized Banks for June 2015* Specialized Banks the Posted by Tabel of interest rates A Average Interest Rat Interest Average CBI Prescribed Rate ( befor 3/31/2004) Rate Prescribed CBI Primary Data Primary 2015 June of month the for Iraq CentralBankof received and Iraq in operating banks all for books official Source: Industrial Bank Cooperation Bank Agricultural Bank Realestate 1 2 3 Economic & Research Dep./ Financial Market Research Division Market Research Research& Financial Division Economic Dep./ more than two years 6.67 6.75 9.00 11.8 9.00 14.00 16.00 15.00 10.00 14.00 13.00 12.00 12.22 12.00 12.00 13.00 13.00 13.00 Long term more than 6.46 8.00 9.00 11.8 one year 8.00 9.00 13.00 15.00 15.00 10.00 12.00 12.00 12.50 11.00 12.60 14.00 10.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 17.00

Loans Midium term a year 6.02 8.50 9.00 11.5 9.00 8.00 9.00 12.00 14.00 15.00 10.00 11.00 12.00 12.00 12.00 10.00 14.00 11.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 13.00 16.00 11.00

Interest rates on credit Interest Short term less than a 8.00 8.50 9.00 8.00 9.00 7.23 8.00 11.7 year 8.00 8.00 9.00 10.43 11.00 14.00 15.00 10.00 10.00 11.00 12.00 11.00 14.00 25.00 11.00 12.00 15.00 11.00 25.00 10.00 10.00 12.00 14.00 12.00 13.00 12.00 14.00 13.00 12.00

More than a year 3.9 5.50 3.50 5.50 3.75 3.50 6.00 2.00 2.50 2.00 4.00 5.50 2.50 6.00 3.15 3.00 2- Denominated in USD 2- Denominated A year 3.6 5.00 4.40 3.50 6.00 3.00 3.25 3.00 5.00 5.00 3.75 5.00 3.00 3.35 1.00 5.50 1.00 1.75 1.50 1.50 4.00 4.00 5.00 5.00 2.50 6.00 2.90 0.25 2.00 8.00

Fixed deposits Fixed deposits Less than a year 2.8 4.00 2.37 2.00 1.50 3.00 4.00 2.75 2.25 2.50 4.00 4.00 2.44 3.75 4.50 2.50 2.90 2.50 1.00 5.00 1.00 1.50 1.50 1.50 1.50 4.00 3.50 3.40 4.00 2.00 2.75 0.25 1.50 7.00

Interest rates on deposits Interest saving 2.5 3.00 2.50 2.00 3.00 3.00 3.00 2.61 4.40 3.00 1.00 1.00 1.00 1.00 4.00 3.00 4.50 3.00 0.50 1.50 5.00 2.40 0.25 1.00 5.00 3.50 2.00 4.00 2.00 2.00 2.30 0.50 4.00

Iong term 12.9 16% 16.00 10.00 14.00 14.00 14.00 10.19 16.00 15.00 11.00 11.00 12.00 10.00 10.00 12.00 12.00 14.00 12.00 14.00 13.00 17.00 14.00

Midium term 8.00 8.52 12.4 8.00 8.00 15% Loans 15.00 16.00 10.00 13.00 12.00 13.00 14.00 15.00 15.00 11.00 10.00 11.00 10.00 12.00 16.00 12.00 14.00 12.00 13.00 13.00 16.00 15.00 14.00 14.00

Short term 8.00 12.4 9.00 8.00 6.00 8.00 14% 14.00 14.00 10.00 10.00 12.00 10.00 13.00 10.11 14.00 15.00 11.00 10.00 10.00 12.00 15.00 12.00 14.00 12.00 15.00 13.00 12.00 16.00 14.00 25.00 11.00 12.00 10.00 10.50 27.00 13.00

Discounted bill of exchange Interest rates on credits Interest 8.00 13.5 8.00 10.00 12.00 15.00 10.00 15.00 12.00 15.00 13.00 12.00 16.00 14.00 25.00 16.00 14.00 16.00 11.00 15.00 Current account(over 7.00 9.00 8.00 13.4 draft) 8.00 13.00 12.00 12.00 14.00 15.00 10.00 10.00 12.00 12.00 15.00 14.00 15.00 12.00 16.00 13.00 12.00 17.00 15.00 25.00 11.00 14.00 16.00 11.00 25.00 15.00

More than 2 years 6.8 6.00 7.00 6.00 8.00 6.75

1- Denominted in Iraqi Dinar 1- Denominted 2 years 6.5 5.00 5.50 9.00 8.50 6.00 6.50 3.75 4.00 5.00 6.00 9.00 7.00 3.00 6.75 9.00 10% 10.00

year 3.00 6.0 9% Fixed deposits 3.00 3.00 7.00 4.00 7.00 8.50 6.90 8.50 5.50 5.00 3.00 4.00 8.00 7.50 8.50 4.00 6.00 9.00 5.80 1.25 3.00 6.75 7.00 6.00 6.70 3.00 8.50 2.00 10.00 10.00 10.00

6 Months 5.0 8% 5.00 1.62 8.00 4.12 8.00 8.00 2.75 2.00 3.00 6.50 3.00 2.00 8.00 3.00 5.50 5.60 1.00 2.50 9.00 6.75 5.50 5.50 9.00 5.90 4.30 2.50 8.00 5.00 4.50 3.25 3.00 4.00 6.00 7.00 Interest rates on Depeosits rates on Depeosits Interest

Saving 4.6 7% 7.00 3.37 6.90 7.25 6.00 2.00 2.50 6.00 4.00 3.00 2.75 6.00 1.00 5.00 7.00 4.70 1.00 2.00 7.00 6.50 5.00 5.00 8.00 3.00 4.00 2.00 7.00 4.00 3.50 2.50 4.00 5.00 6.50 A Tabel of interest rates Posted by the Commercial Banks for July 2015* July Commercial the Banks for by Posted Tabel rates of interest A Bank Name Bank Average InterestAverage Rate Banque Libano Francaise SAL Libano Banque Fransbank investment FOR BANK Trade Region aArab Beirut of &The BBAC(Bank Countries) Parsian Bank BANK BLOM Credit Credit Libanais IS BANK BANK ERBIL BANK ALBaraka DEVELOPMENT INTERNATIONAL BANK ASYA BANK MELLI IRAN BANK MED BANK Investment Bank Mansour Bank Turkish Agricutur BANK ALHUDA BANK BYBLOS BANK IRAQ TRANS Inter kontnntal Bank VAKIF National Bank Of IraqBank National Of Credit IraqBank Iraqof Bank Economic Sumer Bank Gulf Commercial Bank Warka Of Finance & Investment Bank North-Bank Iraqof Bank Union For International Bank Ashur Commercial Bank of Iraqof Commercial Bank Iraqi Middle East Bank Investment Of IraqBank Investment For Investment Bank United Dar Es Salaam Bank Investment Mosul Bank Bank Babylon Rafidain Bank Rafidain Bank Rasheed T.B.I Baghdad of Bank CBI Prescribed CBI ( Rate 3/31/2004)befor 7 8 9 3 4 5 6 1 2 41 38 39 40 34 35 36 37 30 31 32 33 26 27 28 29 22 23 24 25 18 19 20 21 14 15 16 17 10 11 12 13 Central Bank of Iraqof Central Bank Statistics MarketDep./Financial Research & Division more than two years Long term more than one year Midium term a Loans year

Short term

Interest rates on credts less than a year

More than a year

A year 1.5 2- Denominated in USD 1.50

Less than a Fixed deposits

year 1.0 1.00

saving 1.0 1.00 Interest rates on deposits

Iong term 8.3 16% 2.00 10.00 13.00

Midium term 8.7 15% 2.00 12.00 12.00 Loans

Short term 6.0 14% 2.00 10.00 Discounted bill of exchange 12.0 14.00 10.00 Current Interest rates on credits account(over 12.0 14.00 draft) 10.00 More than 2 years

2 years 5.0 10% 7.00 3.00 5.00 1- Denominted in Iraqi Dinar year 4.0 9% 6.00 2.00 4.00 Fixed deposits 6 Months 3.2 8% 5.00 1.00 3.50 A Tabel of interest rates Posted by the Specialized Banks for July 2015* for July Banks Specialized the by rates Posted interest of Tabel A

Interest rates on Depeosits Saving 3.3 7% 4.00 3.00 3.00 ** Decreased Agricultural bankself interest of of resources Loans according (18 the of itme ) the federalof law budget yearfor 2015 Average InterestAverage Rate Industrial Bank Bank Agricultural Cooperation Realestate Bank Primary Data Primary Source: official alllatters for banks operating in Iraq and received Central July of Bank Iraq of 2015 the for month Prescribed CBI ( Rate 3/31/2004)befor 2 3 1 Economic & Research Dep./ Financial Market Research Division Research Division Financial Market Dep./ & Research Economic more than two years 6.67 6.75 9.00 11.8 13.00 16.00 15.00 10.00 14.00 13.00 12.00 12.20 12.00 13.00 12.00 13.00 Long term more than 6.46 8.00 9.00 11.7 8.00 9.00 13.00 15.00 15.00 10.00 12.00 12.00 12.50 11.00 12.60 one year 10.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 17.00

Loans Midium term a year 6.02 8.50 9.00 9.00 11.4 9.00 8.00 12.00 14.00 15.00 10.00 11.00 12.00 12.00 12.00 10.00 11.00 10.00 12.00 15.00 12.00 13.00 12.00 14.00 13.00 16.00 11.00 Short term

Interest rates on credit rates Interest less than a 8.00 8.00 8.50 9.00 8.00 9.00 7.30 9.00 11.8 8.00 8.00 10.43 11.00 14.00 15.00 10.00 10.00 11.00 12.00 11.00 14.00 25.00 11.00 13.00 15.00 11.00 25.00 10.00 year 10.00 12.00 14.00 12.00 13.00 12.00 14.00 13.00 12.00 More than a

year 3.9 5.50 3.50 5.50 3.75 3.50 6.00 2.00 2.50 2.00 4.00 5.50 2.50 6.00 3.15 3.00

2- Denominated inDenominated 2- USD A year 5.5 3.6 1.00 5.00 4.40 3.50 6.00 3.00 3.25 3.00 5.00 5.00 1.50 3.75 5.00 3.00 3.35 1.00 1.75 1.50 4.00 4.00 5.00 5.00 2.50 6.00 2.90 0.25 2.00 8.00

Less than a Fixed deposits Fixed deposits 4.5 2.5 2.8 year 1.5 1.00 4.00 2.37 2.00 1.50 3.00 4.00 2.75 2.25 2.50 4.00 4.00 2.48 1.50 2.75 3.75 2.90 2.50 1.00 5.00 1.50 1.50 1.50 4.00 3.50 3.40 4.00 2.00 0.25 7.00

saving 3.5 2.5 3.00 2.61 4.40 3.00 3.00 2.50 2.00 3.00 3.00 1.00 Interest rates on deposits rates Interest 2.00 4.00 2.00 2.00 2.30 0.50 4.00 1.00 1.00 1.00 4.00 3.00 4.50 3.00 0.50 1.50 5.00 2.40 0.25 1.00 5.00

Iong term 12 12.7 16% 14.00 10.19 16.00 15.00 11.00 16.00 10.00 14.00 14.00 10.20 10.00 11.00 12.00 10.00 12.00 14.00 12.00 14.00 13.00 17.00

Midium term 14.0 8.00 8.00 8.52 12.4 8.00 15% 11.00 15.00 16.00 10.00 13.00 12.00 13.00 15.00 15.00 10.00 11.00 10.00 12.00 16.00 12.00 14.00 12.00 13.00 13.00 16.00 15.00 13.00 14.00 Loans

Short term 8.00 8.00 8.00 12.4 9.00 6.00 14% 11.00 14.00 14.00 10.00 10.00 12.00 10.00 13.00 10.11 14.00 15.00 10.00 10.00 12.00 15.00 12.00 14.00 12.00 15.00 13.00 12.00 16.00 14.00 25.00 11.00 12.00 10.00 10.50 27.00 13.00

Discounted bill

of exchange 10 8.00 13.4 8.00 12.00 10.00 15.00 12.00 15.00 13.00 12.00 16.00 14.00 25.00 16.00 14.00 16.00 11.00 15.00 Interest rates on credits rates Interest Current account(over 14 7.00 9.00 8.00 13.3 8.00 13.00 12.00 12.00 draft) 10.00 10.00 12.00 12.00 15.00 14.00 15.00 12.00 16.00 13.00 12.00 17.00 15.00 25.00 11.00 14.00 16.00 11.00 25.00 15.00

More than 2

years 6.8 6.00 7.00 6.00 8.00 6.75

2 years 6.4 1- Denominted inDenominted 1- Iraqi Dinar 5.00 5.50 9.00 6.00 6.50 3.75 4.00 5.00 6.00 9.00 7.00 3.00 6.75 9.00 10% 10.00

year 7.0 5.9 8.5 9% 3.00 3.00 7.00 4.00 3.00 3.00 6.70 2.00 8.50 6.90 8.50 5.50 5.00 3.75 4.00 8.00 7.50 8.50 4.00 6.00 9.00 5.80 1.25 3.00 6.75 7.00 6.00 3.00 10.00 10.00 10.00 Fixed Fixed deposits

6 Months 5.0 5.0 8% 8.00 2.75 2.00 3.00 6.50 3.00 1.65 3.00 5.90 2.00 8.00 4.12 8.00 5.00 4.50 3.25 4.00 6.00 7.00 8.00 3.00 5.50 5.60 1.00 2.50 9.00 6.75 5.50 5.50 9.00 4.30 2.50 8.00 Interest rates on Depeosits on Depeosits rates Interest Saving 4.6 6.5 7% 6.00 2.00 2.50 2.75 6.00 4.00 3.00 2.50 3.00 7.00 3.37 6.90 7.25 4.00 3.50 4.00 5.00 6.50 6.00 1.00 5.00 7.00 4.70 1.00 2.00 7.00 5.00 5.00 8.00 4.00 2.00 7.00 A Tabel of interest rates Posted by the Commercial Banks for Augest 2015* Augest for Banks Commercial the by Posted rates interest of Tabel A Bank Name Bank Average Interest Rate Average CBI PrescribedCBI Rate ( befor 3/31/2004) BANK MELLI IRAN BANK Bank MED Banque Libano Francaise SAL Fransabank Finance& Investment BankTradeFor (Region RTBANK Emerald) (Formerly Countries) (Bank of Beirut & the Arab BBAC Parsian Bank BANK BLOM VAKIF Bank VAKIF Credit Libanais IS BankasiTurkiye BANK ERBIL Bank ALBaraka DEVELOPMENT BANK INTERNATIONAL Bank AsyA Union Bank of Iraq International BankAshur For Investment Mansour Bank Turkish Bank Agricutur BANK ALHUDA BANK BYBLOS BANK IRAQ TRANS Inter kontnntal National Bank Iraq Of Credit Bank Iraq Of Economic Bank of Iraq Sumer Bank CommercialGulf Bank Bank Warka Investment Of & Finance North Bank Bank of Baghdad Commercial Bank of Iraq Iraqi Middle East Investment Bank Investment Bank Iraq Of United Bank For Investment Dar Es Salaam Investment Bank Mosul Bank Bank Babylon Rafidain Bank Rasheed Bank T.B.I 4 5 6 7 8 9 1 2 3 34 35 36 37 38 39 40 41 27 28 29 30 31 32 33 19 20 21 22 23 24 25 26 12 13 14 15 16 17 18 10 11 Central Bank ofIraq Bank Central Division Research Market Financial / Dep. Research & Statistics more than two years Long term more than one year Midium term a Loans year

Short term less

Interest ratesonInterest credts than a year

More than a year

A year 1.5 2- Denominated2- USDin 1.50

Less than a Fixeddeposits year 1.0 1.00

saving 1.0 1.00 Interest ratesonInterest deposits

Iong term 8.3 2.00 16% 10.00 13.00

Midium term 8.7 2.00 15% 12.00 12.00 Loans

Short term 6.0 2.00 14% 10.00

Discounted bill of exchange 12.0 14.00 10.00

Interest ratesonInterest credits Current

account(over draft) 12.0 14.00 10.00

More than 2 years

2 years 5.0 7.00 3.00 5.00 10% 1- Denominted1- Dinar Iraqi in

year 4.0 9% 6.00 2.00 4.00 Fixeddeposits 6 Months 3.2 8% 5.00 1.00 3.50

Interest ratesonInterest Depeosits Saving 3.3 7% 4.00 3.00 3.00 A Tabel of interest rates Posted by the Specialized Banks for Augest 2015* Augest for Banks Specialized the by Posted rates interest of Tabel A BankName Average Interest RatInterest Average ** Decreased** interest of Agricultural Loans of self bank resources according of the itme (18 ) of the federal budget law for year 2015 Agricultural Cooperation Bank Agricultural RealestateBank Industrial BankIndustrial CBI PrescribedCBI befor3/31/2004) Rate ( 2 3 1 Economic & Research Dep./ Financial Market Research Division Division Research Market Financial Dep./ Research & Economic Source: official latters for all banks operating in Iraq and received Central Bank of Iraq for the month of Augest 2015 Primary Data Primary more than 16.0

two years 9.0 6.67 13.0 6.75 15.0 10.0 14.0 9.00 12.0 12.0 11.6 13.0 12.50 12.00 12.20 13.00

Long term

more than 9 15.0 8.0 8.0 9.0 6.46 13.0 15.0 10.0 12.0 12.0 11.7 one year 10.0 10.0 12.0 15.0 12.0 13.0 12.0 17.0 12.50 11.00 12.60 14.00

Loans Midium 9 14.0 8.5 9.0 term a year 9.0 8.0 6.02 12.0 15.0 10.0 11.0 12.0 12.0 11.0 11.4 10.0 12.0 15.0 12.0 13.0 12.0 13.0 16.0 11.0 12.00 10.00 14.00

Interest rates on credit Short term

less than a 9 14.0 8.0 8.5 9.0 8.0 8.0 8.0 11.0 15.0 10.0 10.0 11.0 8.00 12.0 9.00 7.30 14.0 25.0 11.0 13.0 15.0 11.0 25.0 10.0 11.8 year 10.0 12.0 14.0 12.0 13.0 12.0 14.0 12.0 10.43 11.00 13.00

More than a 5.5 3.5 6.0 3.9 year 2.0 2.5 2.0 4.0 5.5 2.5 6.0 3.0 3.50 5.50 3.15 2- Denominated in USD 4.4

A year 3 5.0 6.0 3.0 1.5 5.0 3.0 1.0 5.5 1.0 3.6 1.5 2.0 4.0 4.0 5.0 5.0 2.5 6.0 2.0 8.0 3.50 3.25 5.00 5.00 3.75 3.35 1.75 2.90 0.25

Fixed deposits Less than a 4.0 2.0 1.5 3.0 4.0 1.5 4.5 2.5 2.9 2.5 1.0 5.0 1.0 2.8 year 1.5 1.5 1.5 4.0 3.5 4.3 4.0 2.0 1.5 7.0 2.37 2.75 2.25 2.50 4.00 4.00 2.48 2.75 0.25 4.4 Interest rates on deposits saving 3.0 3.0 3.0 1.0 1.0 3.5 2.0 4.0 2.0 2.0 2.3 0.5 4.0 2.5 1.0 1.0 1.0 4.0 3.0 4.5 3.0 0.5 1.5 5.0 1.0 5.0 2.61 2.50 3.00 3.00 2.40 0.25

Iong term 10 14 16.0 11.0 16.0 10.0 14.0 15.0 12.7 11.0 12.0 10.0 12.0 12.0 14.0 12.0 13.0 17.0 16% 10.20 14.00 10.19 14.00

Midium 15.0 10 13 8.0 8.0 term 8.0 11.0 15.0 16.0 14.0 8.52 15.0 12.4 10.0 11.0 10.0 12.0 16.0 12.0 14.0 12.0 13.0 16.0 15.0 13.0 14.0 15% 12.00 13.00 13.00 Loans

Short term 14.0 10 8.0 8.0 9.0 6.0 8.0 11.0 14.0 14.0 12.5 15.0 12.5 10.0 10.0 12.0 15.0 12.0 14.0 12.0 15.0 12.0 16.0 14.0 25.0 11.0 12.0 10.0 10.5 27.0 13.0 14% 10.00 10.00 13.00 10.11 13.00 Discounted bill of 10 8.0 8.0 13.4 exchange 10.0 15.0 12.0 15.0 12.0 16.0 14.0 25.0 16.0 14.0 16.0 11.0 15.0 Interest rates on credits 12.00 13.00

Current account(over 13 9.0 8.0 8.0 7.00 13.3 draft) 10.0 10.0 12.0 12.0 15.0 14.0 15.0 12.0 16.0 12.0 17.0 15.0 25.0 11.0 14.0 16.0 11.0 25.0 15.0 12.00 12.00 14.00 13.00

More than 2 6.0 6.8 years 6.0 7.00 8.00

1- Denominted in Iraqi Dinar 2 years 5.0 9.0 6.3 6.0 6.5 4.0 5.0 6.0 9.0 3.0 9.0 10.0 5.50 3.75 7.00 10% 6.9

year 3 3 2.0 3.0 7.0 3.0 8.5 5.8 5.5 5.0 4.0 8.0 7.5 8.5 4.0 6.0 9.0 3.0 7.0 6.0 6.7 3.0 8.5 2.0 9% 10.0 7.00 4.00 8.50 3.75 5.80 1.25 10.0 6.75 10.0 Fixed deposits

6 Months A Tabel of interest rates Posted by the Commercial Banks for September 2015* September Banks Commercial the for Posted by Tabel rates of interest A 8.0 3.0 5.0 3.0 8.0 8.0 4.9 5.0 4.5 4.0 6.0 7.0 8.0 3.0 5.5 2.5 9.0 5.5 5.5 9.0 5.9 4.3 2.5 8.0 2.0 8% 2.75 2.00 6.50 3.00 1.65 4.12 3.25 5.60 1.00 Interest rates on Depeosits 6.9

Saving 7.0 6.0 3.0 2.5 4.6 7.0 6.0 1.0 5.0 7.0 2.0 7.0 6.5 5.0 5.0 8.0 3.0 4.0 2.0 4.0 3.5 4.0 5.0 6.5 7% 6.00 4.00 3.37 7.25 2.50 2.75 4.70 1.00 Bank Name Average Interest Rate Average CBI PrescribedCBI Rate ( befor 3/31/2004) Bank MED Banque Libano Francaise SAL Fransabank (Region Trade Bank For RT BANK Investment & Finance Emerald) (Formerly Countries) (Bank of Beirut & the Arab BBAC Parsian Bank BLOM BANK VAKIF Bank VAKIF Credit Libanais IS BankasiTurkiye BANK ERBIL Bank ALBaraka DEVELOPMENT BANK INTERNATIONAL Bank AsyA MELLI IRAN BANK Ashur International BankAshur For Investment Mansour Bank Turkish Bank Agricutur BANK ALHUDA BANK BYBLOS BANK IRAQ TRANS Inter kontnntal National Bank Iraq Of Credit Bank Iraq Of Economic Bank of Iraq Sumer Bank CommercialGulf Bank Bank Warka Investment Of & Finance North Bank Union Bank of Iraq Bank of Baghdad Commercial Bank of Iraq Iraqi Middle East Investment Bank Investment Bank Iraq Of United Bank For Investment Dar Es Salaam Investment Bank Mosul Bank Bank Babylon Rafidain Bank Rasheed Bank T.B.I 4 5 6 7 8 9 1 2 3 35 36 37 38 39 40 41 27 28 29 30 31 32 33 34 20 21 22 23 24 25 26 12 13 14 15 16 17 18 19 10 11 Central Bank of Iraq Statistics & Research Dep. / Financial Market Research Division more than two years

Long term more than one year

Loans Midium term a year

Interest rates on credts Short term less than a year

More than a year 2- Denominated in USD A year 1.5 1.5

Fixed deposits Less than 1.0 a year 1.0

Interest rates on deposits saving 1.0 1.0

Iong term 8.3 2.0 10.0 13.0 16%

Midium 8.7 term 2.0 12.0 12.0 15% Loans

Short term 6.0 2.0 10.0 14%

Discounted bill of exchange 14.0 12.0 10.0 Interest rates on credits

Current account(over 14.0 12.0 draft) 10.0

More than 2 years

1- Denominted in Iraqi Dinar 2 years 5.0 7.0 3.0 5.0 10%

year 4.0 6.0 2.0 4.0 9% Fixed deposits

6 Months 3.2 5.0 1.0 3.5 8% Interest rates on Depeosits A Tabel of interest rates Posted by the Specialized 2015* September Banks for Posted by Tabel rates of interest A

Saving 3.3 3.0 3.0 4.0 7% Bank Name Average Interest Rat Average ** 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) Industrial Bank Cooperation BankAgricultural Realestate Bank 1 2 3 Primary Data Primary Source: official latters for all banks operating in Iraq and received Central Bank of Iraq for the month of September 2015 Economic & Research Dep./ Financial Market Research Division more than 16.0 9.0 9.0 14.0 6.70 13.0 9.40 15.0 10.0 14.0 11.9 two years 12.0 13.0 12.0 13.0 12.00 12.20 12.50 Long term

more than 15.0 10 9.0 8.0 9.0 14.0 8.82 13.0 15.0 10.0 12.0 12.0 12.0 10.0 12.0 15.0 12.0 13.0 12.0 17.0 11.00 12.60 10.25 12.50 one year 14.00

Loans Midium 14.0 9 6.0 9.0 8.0 9.0 13.5 14.0 11.0 12.0 15.0 10.0 11.0 12.0 12.0 11.7 term a year 10.0 12.0 15.0 12.0 13.0 12.0 13.0 16.0 12.00 10.00 10.25 14.00 Short term Interest rates on credit on rates Interest 14.0

less than a 8 8.0 9.0 8.0 8.0 9.0 9.00 7.30 14.0 25.0 11.0 13.0 15.0 11.0 25.0 10.0 11.0 11.0 15.0 10.0 10.0 11.0 12.0 11.9 10.0 12.0 14.0 12.0 13.0 12.0 14.0 12.0 11.00 11.55 10.25 year 13.00 More than 2 3.5 6.0 5.5 3.5 3.9 2.5 2.0 4.0 5.5 2.5 6.0 3.0 5.50 a year 3.15 4.4

2- Denominated in USD Denominated 2- A year 8.0 5.0 3.0 1.0 5.5 2.5 5.0 3.5 6.0 3.0 3.0 3.6 1.5 2.0 1.5 4.0 4.0 5.0 5.0 2.5 6.0 2.0 5.00 5.00 3.75 3.35 3.25 1.75 2.90 0.25

Fixed deposits deposits Fixed Less than 7.0 4.5 2.5 2.9 2.5 1.0 5.0 2.4 4.0 2.0 1.6 3.0 4.0 2.5 2.9 1.5 1.5 1.5 1.5 4.0 3.5 4.0 2.0 1.5 4.00 4.00 2.48 2.75 2.24 2.75 2.25 a year 4.75 0.25 Interest rates on deposits on rates Interest 4.4

saving 1 5.0 3.5 2.0 4.0 2.0 2.0 2.3 0.5 4.0 3.0 3.0 3.0 2.5 1.0 2.5 1.0 1.0 1.0 4.0 3.0 4.5 3.0 0.5 1.5 5.0 1.0 3.00 3.00 2.59 2.40 0.25 16.0

Iong term 11 14.0 14.0 15.0 11.0 16.0 10.0 14.0 12.8 12.0 10.0 10.0 12.0 12.0 14.0 12.0 13.0 17.0 16% 14.00 10.20 14.00 10.21

Midium 15.0 10 8.0 14.0 11.0 15.0 16.0 10.0 13.0 12.8 11.0 10.0 12.0 16.0 12.0 14.0 12.0 13.0 16.0 13.0 15.0 14.0 14.0 11.0 9.29 15.0 15% Loans term 12.00 13.00 13.00 14.0 Short term 9 8.0 8.0 11.0 14.0 14.0 10.0 10.0 12.5 12.7 10.0 10.0 12.0 15.0 12.0 14.0 12.0 15.0 12.0 16.0 12.0 14.0 25.0 11.0 12.0 10.0 10.5 27.0 13.0 11.0 15.0 14% 10.00 13.00 13.00 10.07 Discounted bill of Interest rates on credits on rates Interest 10.0 13.9 10.0 15.0 12.0 15.0 12.0 16.0 13.0 14.0 25.0 16.0 14.0 16.0 11.0 15.0 11.0 12.00 exchange 13.00 Current account(over 7.0 9.0 13.0 13.6 10.0 10.0 12.0 12.0 15.0 14.0 15.0 12.0 16.0 12.0 17.0 13.0 15.0 25.0 11.0 14.0 16.0 11.0 25.0 15.0 11.5 14.0 12.00 12.00 draft) 13.00 More than 6.0 6.7 6.0

2 years 8.00 6

1- Denominted in Iraqi Dinar in Iraqi Denominted 1- 2 years 5.0 6.3 6.5 4.0 5.0 6.0 9.0 3.0 9.0 9.0 5.50 10.0 3.75 7.00 10%

year 6.90 7.0 2.0 3.0 3.0 5.9 5.5 5.0 3.0 4.0 8.0 7.5 8.5 4.0 6.0 9.0 3.0 7.0 6.0 6.7 3.0 8.5 3.5 8.5 9% 7.00 4.00 3.00 10.0 3.75 5.80 1.25 10.5 6.75 10.0 8.50 Fixed deposits Fixed

6 Months 5 5.0 8.0 2.0 3.0 5.0 4.5 3.0 4.0 6.0 7.0 8.0 3.0 5.5 1.0 2.5 9.0 5.5 5.5 9.0 5.9 4.3 2.5 8.0 3.5 8.0 8.0 8% 6.50 3.00 1.65 2.75 3.25 5.60 5.23 A Tabel interest of rates Posted by the Commercial 2015* Actober Banks for Interest rates on Depeosits Depeosits on rates Interest 6.90 Saving 4 6.0 2.5 4.7 3.5 3.0 2.5 4.0 5.0 6.5 6.0 1.0 5.0 7.0 1.0 2.0 8.5 6.5 5.0 5.0 8.0 3.0 4.0 2.0 7.0 7.0 7% 6.00 4.00 2.75 4.70 3.43 7.25 Bank Name Bank Average Interest Rate Interest Average CBI Prescribed Rate ( befor 3/31/2004) befor ( Rate CBIPrescribed Bank MED Bank FrancaiseBanque Libano SAL Fransabank BANKRT Bank) Trade (Region Countries) BeirutArab BBACthe & of (Bank Parsian Bank BLOMBANK VAKIFBank Libanais Credit IS Bankasi Turkiye ERBILBANK Bank ALBaraka INTERNATIONALDEVELOPMENT BANK Asya Bank BANKMELLI IRAN Union Bank of Iraq of Bank Union Investment For Bank Ashur International Mansour Bank Bank Turkish Agricutur BANK ALHUDA BYBLOS BANK IRAQTRANS BANK kontnntal Inter Babylon Bank Iraq Of NationalBank Iraq Of Bank Credit Iraq of Bank Economic Bank Sumer Bank GulfCommercial Finance& Investment Of Bank Warka BankNorth T.B.I Baghdad of Bank Iraq of Bank Commercial Bank East Investment Middle Iraqi Iraq Of Bank Investment Investment For Bank United Bank DarEsSalaam Investment Mosul Bank Rafidain BankRafidain Bank Rasheed 3 4 5 6 7 8 9 1 2 35 36 37 38 39 40 41 27 28 29 30 31 32 33 34 19 20 21 22 23 24 25 26 11 12 13 14 15 16 17 18 10 Central Bank of Iraq of Bank Central ResearchDivision Financial / Market Research& Dep. Statistics more than two years

Long term more than one year

Loans Midium term a year

Interest ratesInterest oncredts Short term less than a year

More than a year

2-DenominatedUSD in A year 1.5 1.5 Fixed deposits Fixed Less than a year 1.0 1.0

Interest ratesInterest ondeposits saving 1.0 1.0

Iong term 8.3 2.0 10.0 13.0 16%

Midium term 8.7 2.0 12.0 12.0 Loans 15%

Short term 6.0 2.0 10.0 14%

Discounted bill of 12.0 exchange 14.0 10.0 Interest ratesInterest oncredits

Current account(over 12.0 draft) 14.0 10.0

More than 2 years

2 years 5.0 7.0 3.0 5.0 1- Denominted in Iraqi Dinar1-Iraqi Denomintedin 10%

year 4.0 6.0 2.0 4.0 9% Fixed deposits Fixed

6 Months 3.2 5.0 1.0 3.5 8% Interest ratesInterest onDepeosits A Tabel of interest rates Posted by the Specialized for Banks Actober 2015* Saving 3.3 4.0 3.0 3.0 7% Bank Name Bank AverageRat Interest Industrial Bank Industrial AgriculturalCooperation Bank Realestate Bank CBI Prescribed RateCBIPrescribed befor ( 3/31/2004) 1 2 3 Economic & Research Dep./ Financial Market Research Division ResearchDivision Financial Research EconomicMarket Dep./ & Primary Data Data Primary 2015 Actober of month the for Iraq of Bank Central received and Iraq in operating banks all for latters official Source: 2015 year for law budget federal the of ) (18 itme the of according resources bank self of Loans Agricultural of interest **Decreased more than two years 14 13 16 10 13 15 13 9.0 6.71 9.40 14.0 12.1 12.0 12.00 12.20 12.50

Long term more than 8 13 15 10 12 14 15 10 10 15 13 14 9.0 8.51 12.0 11.9 one year 12.0 12.0 11.00 12.60 10.25 12.50 Loans 9 8 12 14 10 11 12 Midium term a year 10 13 14 15 10 15 13 14 9.0 6.05 13.5 11.0 12.0 12.0 11.5 12.0 12.0 10.00 10.25

Interest rates on rates credit Interest Short term less than a 9 8 8 11 14 10 10 11 12 14 25 11 11 25 10 15 10 12 14 12 13 14 13 8.0 9.0 8.0 9.00 7.30 13.0 15.0 11.0 11.0 12.0 11.9 year 12.0 10.49 10.25 3 6 More than a year 2 2 6 3.5 5.5 3.5 3.9 2.5 5.5 2.5 5.75 3.15 2- Denominated in USD 6 5 2 5 3 1 A year 2 4 5 6 4.4 1.5 8.0 5.5 2.5 5.0 3.5 3.0 3.0 3.6 1.5 5.0 2.5 5.00 0.25 3.75 3.35 3.25 1.75 2.90 Fixed deposits 2 4 4 Less than a year 1 5 3 1.5 1.5 7.0 2.5 2.5 2.4 4.0 1.6 2.5 2.8 1.5 1.5 1.5 3.5 4.0 2.0 2.36 4.00 2.48 2.75 0.25 4.50 2.90 2.75 2.25 4.75 Interest rates on rates deposits Interest 3 3 1 1 2 4 2 2 4 3 saving 1 1 1 3 5 4.4 5.0 2.3 0.5 3.0 2.5 1.0 2.5 4.5 3.0 0.5 1.5 2.4 2.64 3.00 0.25 3.50

Iong term 16 11 16 13 14 15 11 12 10 14 14 14.0 10.0 14.0 12.8 12.0 12.0 16% 10.21 14.00 10.20 9 11 15 12 14 Midium term 15 10 11 10 12 16 14 13 13 15 14 14 15 16.0 9.64 10.0 13.0 12.7 12.0 12.0 13.0 11.0 15% 13.50 Loans 8 9 11 14 10 Short term 14 10 10 12 15 14 15 13 12 14 25 11 13 10 27 13 15 8.0 14.0 10.0 10.0 12.5 12.6 12.0 12.0 12.0 10.5 11.0 14% 13.00 10.08

Discounted bill of exchange 10 12 15 15 13 12 14 25 16 14 11 15 10.0 13.7 12.0 13.0 16.0 11.0 12.00 Interest rates on rates credits Interest 12 Current account(over draft) 10 15 14 10 10 12 12 15 16 13 12 15 25 11 14 16 11 25 15 7.0 9.0 13.0 13.4 14.0 12.0 13.0 11.5 12.00

More than 2 years 8 6.0 6.8 6.0 7.00

2 years 6 5 9 7 3 9 1- DinarDenominted in Iraqi 5.0 6.6 6.5 6.0 9.0 6.00 10.0 3.75 10% 7 7 3 5 8 4 9 3 7 6 3

year 10 10 2.0 6.9 3.0 3.0 5.9 5.5 7.5 8.5 6.0 6.7 8.5 3.5 8.5 8.5 9% 4.75 3.00 3.75 5.80 1.25 10.5 6.75 Fixed deposits 8 5 3 8 6 Months 5 4 6 7 3 1 9 8 6.5 4.3 2.0 3.0 5.0 4.5 8.0 5.5 2.5 9.0 5.5 5.9 2.5 3.5 8.0 8% 3.50 1.65 5.23 2.75 3.25 5.60 5.50 Interest rates on rates Depeosits Interest A Tabel of interest rates Posted by the Commercial Banks for November 2015* November for Banks Commercial the by Posted rates of interest A Tabel 6 6 3 4 Saving 4 4 5 1 7 1 2 5 5 8 2 7 2.5 6.9 2.5 4.7 3.5 6.5 6.0 5.0 8.5 3.0 7.0 7% 4.00 3.43 2.75 4.70 6.50 7.25 Bank Name Average Interest Rate Interest Average CBI Prescribed Rate befor( CBI Prescribed 3/31/2004) RT BANK (Region Trade) BBAC (Bank of Beirut & Arabthe Countries) Parsian Bank BLOM BANK Agricutur Turkish Bank Turkish Agricutur ALHUDA BANK BYBLOS BANK TRANS BANK IRAQ kontnntal Inter VAKIF Bank LibanaisCredit Bankasi IS Turkiye ERBIL BANK ALBaraka Bank INTERNATIONAL DEVELOPMENT BANK Bank AsyA BANK IRAN MELLI Bank MED Banque Libano Francaise SAL Fransabank Bank of Baghdad BankCommercial of Iraq Bank Middle East Investment Iraqi Bank Of Investment Iraq United Bank For Investment BankDar Es Salaam Investment Mosul Bank Babylon Bank National Bank Of Iraq BankCredit Of Iraq Economic Bank of Iraq Sumer Bank Bank Gulf Commercial Warka Bank& Finance Of Investment North Bank Union Bank of Iraq BankAshur International For Investment Mansour Bank Rafidain Bank Rasheed Bank T.B.I 8 9 1 2 3 4 5 6 7 35 36 37 38 39 40 41 27 28 29 30 31 32 33 34 18 19 20 21 22 23 24 25 26 10 11 12 13 14 15 16 17 Central BankCentral of Iraq Dep. Division Financial&/ Research Research Statistics Market more than two years

Long term more than one year

Loans Midium term a year

Short term less than a Interest Interest rates on credts year

More than a year

2- Denominated 2- in USDDenominated A year 1.5 1.5 Fixed depositsFixed

Less than a year 1 1.0

saving 1 Interest Interest rates on deposits 1.0

Iong term 10 13 8.3 2.0 16%

Midium term 12 12 8.7 2.0 15% Loans

Short term 10 6.0 2.0 14%

Discounted bill of exchange 10 12.0 14.0 Interest Interest rates on credits

Current account(over draft) 10 12.0 14.0

More than 2 years

2 years 7 5 5.0 3.0 10% 1- Denominted 1- in Iraqi Denominted Dinar

year 6 4 4.0 2.0 9% Fixed deposits Fixed

6 Months 5 3.2 1.0 3.5 8% Interest Interest rates on Depeosits

Saving 4 3 3.3 3.0 7% A Tabel of interest rates Posted by the Specialized Banks for November 2015* November for Banks Specialized by the Posted rates interest of A Tabel Bank Name Bank Average Interest Average Rat Industrial Bank Cooperation Bank Agricultural Bank Realestate CBI Rate Prescribed ( befor 3/31/2004) 2 3 1 Primary Data Primary November 2015of month the for received Iraq CentralBankand of Iraq in operating banks lattersall for official Source: year for 2015 law federalbudget the of (18itme) the of resources bank self according of **Loans Decreased Agricultural interestof Economic & Division Research Dep./Research Financial Economic Market Long term more 9 9 13 16 15 10 14 12 12 12 13 13 6.71 9.38 12.5

than two years 11.8 12.20

Long term more 9 8 9 13 15 15 10 12 12 11 10 12 15 12 12 11 13 14 8.48 12.5

than one year 11.7 10.00 12.60 Loans 9 9 8 9 11 12 14 15 10 11 12 12 12 10 Midium term a year 12 15 12 12 13 10 13 14 13.5 6.05 11.4 10.25

Interest rates on credit ratesInterest on Short term less 8 9 8 9 8 8 9 9 11 11 25 10 11 11 14 15 10 10 11 12 11 12 14 12 12 14 12 14 25 13 15 13 13 7.30

than a year 11.9 10.86 10.25 6 2 2 4 6 More than a year 3 5.5 3.5 5.5 2.5 2.85 3.9 2.5 5.75 3.50 2- Denominated in USD in 2- Denominated 8 5 1 5 6 3 3 5 5 4 4 5 5 6 A year 2 3 5.5 2.5 2.0 1.5 2.5 2.60 3.6 1.5 4.40 3.50 3.25 1.75 0.25 3.75 3.35 Fixed deposits deposits Fixed 7 1 5 4 2 3 4 4 4 Less than a year 4 4 2 4.5 2.5 2.4 2.5 1.5 1.5 1.5 3.5 2.45 1.5 2.5 2.9 1.5 2.67 1.63 2.75 2.25 2.48 4.75 0.25 2.90 Interest rates on deposits ratesInterest on 5 4 4 3 3 3 1 3 3 1 1 1 4 3 3 5 1 2 2 2 saving 1 2.3 0.5 2.5 4.5 1.5 2.18 2.5 0.5 2.62 4.40 0.25 3.50 14 16 15 11 16 10 14 14 Iong term 11 10 10 12 12 13 12 14 14 12.5 16% 10.20 10.20 8 11 15 16 10 13 12 14 Midium term 10 10 12 16 12 13 13 14 11 15 15 11 14 15 13 13 9.64 12.7 15% 13.50 Loans 9 8 8 11 14 14 10 10 10 13 Short term 10 12 15 12 12 15 12 12 11 27 13 11 14 15 10 14 14 25 12 10 13 12.5 10.5 12.7 14% 11.87

Discounted bills of 10 12 15 12 15 12 13 16 11 15 11 10 14 25 14 16 13 13.8

Interest rates on credit ratesInterest on exchange

Debited Current 7 9 13 12 12 10 12 14 15 14 12 16 12 13 11 11 25 15 14 10 15 15 25 14 16 13 11.5

accounts (overdraft) 13.6 6 More than 2 years 6 7 8 6.8 1- Denominted in ID in 1- Denominted 5 6 6 4 6 9 9 9 5 3

2 years 10 6.13 6.3 6.5 3.75 10% 2 3 3 7 7 3 4 8 6 9 6 3 5 4 3 7

year 10 10 5.5 7.5 8.5 8.5 3.5 8.5 5.49 5.9 9% 4.75 3.00 3.25 1.25 10.5 6.90 8.50 6.75 6.70 Fixed deposits Fixed 8 2 3 5 5 3 4 6 7 8 1 9 8 8 8 6 Months 3 9 6.5 5.5 5.5 4.3 2.5 3.5 5.29 5.0 4.5 2.5 5.5 8% 2.75 3.50 1.65 3.25 5.24 5.90 Interest rates on Depeosits ratesInterest on A Tabel of interest rates Posted by the Commercial Banks for December 2015 * 2015 December for Banks Commercial the by Posted rates interest of Tabel A 6 6 4 4 3 4 5 6 5 7 1 5 4 2 7 7 Saving 1 2 5 8 3 2.5 2.5 6.5 8.5 4.49 4.7 3.5 7% 2.75 3.42 6.90 7.25 6.50 Bank Name Bank Average Rate Interest CBI Prescribed Rate (Before 31/3/2004) Bank MED Bank Francaise SAL Libano Banque Fransabank For Investment Trade RT Bank BANK (Region Emerald) (Formerly & Finance Arab Countries) & the of Beirut BBAC (Bank Parsian Bank BLOM BANK Vakif Bank Vakif Credit Libanais IS BANK ERBIL BANK ALBaraka Bank INTERNATIONAL DEVELOPMENT BANK Asya Bank BANK MELLI IRAN North-Bank of Iraq Bank Union For Investment Bank International Ashur Bank Mansour Bank Turkish Agricultur ALHUDA BANK BYBLOS BANK TRANS IRAQ BANK kontnntal Inter Dar Es Salaam Investment Bank Dar Es Investment Salaam Bank Mosul Bank Babylon Of Iraq Bank National Of Iraq Credit Bank of Iraq Bank Economic Bank Sumer Bank Commercial Gulf & Finance Of Investment Bank Warka Rafidain Bank Rafidain Bank Rasheed T.B.I of Baghdad Bank of Iraq Bank Commercial Iraqi MiddleBank East Investment Of Iraq Bank Investment For Investment Bank United 9 1 2 3 4 5 6 7 8 35 36 37 38 39 40 41 27 28 29 30 31 32 33 34 18 19 20 21 22 23 24 25 26 10 11 12 13 14 15 16 17 Central Bank of Iraq Bank Central Statistics & Market Research Research Dep.Division / Financial Long term more than two years

Long term more than one year Loans Midium term a year

Interest rates on credit ratesInterest on Short term less than a year

More than a year 2- Denominated in USD in 2- Denominated A year 1.5 1.5 Fixed deposits deposits Fixed

Less than a year 1 1.0 Interest rates on deposits ratesInterest on

saving 1 1.0

Iong term 9 2 13 8.0 16%

Midium term 2 12 8.5 11.5 15% Loans

Short term 2 10 6.0 14%

Discounted bills of exchange 14 10 12.0 Interest rates on credit ratesInterest on

Debited Current accounts 14 10

(overdraft) 12.0

More than 2 years 1- Denominted in ID in 1- Denominted 7 3 2 years 5 5.0 10% 6 2 year 4 4.0 9% Fixed deposits Fixed

6 Months 5 1 3.2 3.5 8% Interest rates on Depeosits ratesInterest on A Tabel of interest rates Posted by the Specialized Banks for December 2015 * 2015 December for Banks Specialized the by Posted rates interest of Tabel A 4 3 Saving 3 3.3 7% Bank Name Bank Average Rate Interest CBI Prescribed Rate (Before 31/3/2004) Industrial Bank Industrial Bank** Cooperative Agricultural Realestate Bank 1 2 3 ((Primary Data)) ((Primary Source: officialfor latters all banks operating in Iraq and received Central Bank of Iraq for the month of November 2015 of the itme (18 ) of the federal budget law for year 2015 resources according ** Decreased interest of Agricultural Loans of self bank Central Bank of Iraq Bank Central Market Statistics & Research Research Division Dep./ Financial *