The Iraq future basis for financial studies and Consultations suggested on Saturday that the total assets of the banking gadget reached about 275 trillion Iraqi dinars on the stop of the primary half of of 2025, registering a 5% boom as compared to the quit of the first half of 2024, in step with statistics released via the relevant bank of Iraq.
The organization’s chairman, Manar Al-Obaidi, stated in a put up today that this boom is commonly due to an boom in reserves and capital, which grew by using 26% throughout the identical length, despite a 4% decline within the money supply and an 8% decline in other deposits.
Asset distribution
The property of the Iraqi banking machine have been dispensed as follows:
foreign reserves: They constituted 58% of general property, notwithstanding a ten% decrease as compared to the same period remaining yr.
authorities debt: It accounted for 13% of total property, recording a sizeable jump of 116% compared to the primary half of of 2024.
personal quarter debt: represented approximately 20% of general belongings, an growth of 15% as compared to the equal length last 12 months.
as a result, the percentage of debt (government and private) rose to 32% of general assets.
compared to 2024
in keeping with Al-Obaidi, a evaluation with the first 1/2 of 2024 suggests a great exchange within the structure of assets. foreign reserves represented 68% of general belongings at the time, even as government debt did no longer exceed 6%, and private zone debt accounted for most effective 18%. consequently, the whole debt share at the time did now not exceed 24% of assets.
the top of the group continued by using announcing that the clean shift in the structure of property, in desire of debts on the fee of reserves, has tremendous implications for the stableness of the Iraqi banking system. If this fashion keeps, the debt ratio ought to exceed half of general property in the coming length. He concluded by way of pronouncing that situation is growing, particularly with the upward push in the volume of government debt, most of which is directed toward financing working charges in place of being invested in effective initiatives capable of producing returns that make contributions to repaying those responsibilities.
