Sunday, September 7, 2025
🚨 Iraq Has Tons of Bank Deposits — But Why Isn’t the Economy Growing? 💸🤔
🚨 Iraq Has Tons of Bank Deposits — But Why Isn’t the Economy Growing? 💸🤔
The shocking truth: Iraq’s banking system holds over 115 trillion dinars in deposits, but over 85% of that is stuck in government banks that act like “money vaults” — NOT investing in the economy. Instead of fueling growth, most funds just sit there doing nothing. 😱
What’s going on?
Nearly 80% of deposits are in short-term, non-interest accounts that don’t create real economic value.
Only 40% of these deposits are lent out — far below countries like Jordan (75%), Egypt (85%), and Turkey (100%+).
Shockingly, 66% of loans are for personal use or real estate, while less than 7% support industries like agriculture and manufacturing.
Why does it matter?
Because Iraq’s banks are stuck playing “safe” and acting as reservoirs instead of engines of economic growth. Without real investment in productive sectors, the economy remains stuck in a cycle of consumption and wasted potential. 🚫📉
How to fix it?
✔️ Shift loans to productive sectors (agriculture, industry, renewable energy)
✔️ Support small & medium businesses with state-backed financing
✔️ Boost incentives for long-term savings
✔️ Build partnerships with private investors for big projects
✔️ Improve transparency & governance to regain public trust
Iraq is NOT short on money — it just needs smarter, more productive banking policies! 💡🔥
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Q &A WITH MNT GOAT: 🇮🇶💥 "Will Iraq Ever Get Off the Petro-Dollar?"
Q &A WITH MNT GOAT:
🇮🇶💥 "Will Iraq Ever Get Off the Petro-Dollar?"
Mnt Goat Fires Back 🔥 at Critics with Cold Hard Facts
💬 Q: AshleyPikes asks — “Mnt Goat, someone says you’re wrong: Iraq can’t get off the petro-dollar because they’re in OPEC. Is this true?”
🧠 Mnt Goat’s Powerful Response:
Nope, totally false. Let’s break this down:
🔹 1. OPEC ≠ Petro-Dollar Enforcer
“OPEC wasn’t created to enforce the USD. It was formed by Middle Eastern nations (including Iraq) to coordinate oil policy and push back against Western dominance. 🇸🇦🛢️ The U.S. isn’t even part of OPEC.”
FACT: Iraq helped create OPEC — and staying in OPEC doesn’t force them to stay pegged to the dollar.
🔹 2. Petro-Dollar Was Imposed Through War & Sanctions
“Iraq sold oil in multiple currencies before 1991. The USD peg began after the Gulf War under the DFI (Development Fund for Iraq) — a tool by the U.S. Treasury to control Iraq’s oil money.”
🔍 Remember the Oil-for-Food Program? That was just the cover story.
🔹 3. Obama-Era Policy = Economic Sabotage
“Currency auctions became corrupted. Billions were funneled to Iran through stolen funds. The plan to revalue was postponed — but not forgotten. This was deep state manipulation, not economic necessity.”
🔹 4. The Float WILL Happen — But Only Post-Reinstatement
“Dr. Shabibi had a plan: reinstatement, then a managed float. The IMF backed this in 2011. The plan hasn’t changed. Iraq won’t float until it’s back on FOREX.”
So no — the IQD won’t stay stuck forever. The float is real, but it comes after reinstatement, not before.
🔹 5. Iraq Is Actively Trying to De-Dollarize
“Read the news — Iraq is struggling with dollar control, parallel market rates, and trying to de-dollarize. That tells you the peg is not working for them. They want out.”
💥 De-dollarization is real, active policy — not conspiracy theory.
🔹 6. Being in OPEC Doesn't Block Currency Freedom
“Iraq can stay in OPEC and still get off the petro-dollar. In fact, OPEC could support it under ‘national sovereignty’.”
🔚 BOTTOM LINE:
“The petro-dollar system was never permanent. It was created under sanctions and manipulation. Iraq has every reason — economic and political — to move off the USD peg when conditions are right. And those conditions are coming into place... now.”
⚠️ To All the “Fly-By-Night Intel Gurus”...
“If you don’t know the facts — don’t talk. Mnt Goat’s been in this game since 2005. You can’t fake this kind of research.” 💪
💡 "Don’t be a leech. Be a learner. Do the research."
📌 Full Q&A & Articles + More Explosive News Here:
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👀 Stay awake. Stay smart. The RV is coming — and so is the TRUTH.
Let them call it a "conundrum" — we'll call it a COMEBACK.
📉 Economist Warns: Iraq’s Banking System Is Failing the Economy
📉 Economist Warns: Iraq’s Banking System Is Failing the Economy
“Iraq is not suffering from a liquidity crisis — it’s suffering from a misuse of liquidity.”
— Economist Manar Al-Obaidi
💰 Key Points:
Over 85% of bank deposits in Iraq are held in government banks.
As of June 2025, total deposits exceeded 115 trillion IQD:
95+ trillion IQD are non-interest-bearing (checking accounts).
Less than 20 trillion IQD are in savings or fixed deposits.
📌 The majority of funds are sitting idle, not circulating through the economy in a productive way.
📊 Low Lending and Misallocated Capital:
Only ~40% of total deposits have been issued as loans — a very low rate:
Jordan: 75%
Egypt: 85%
Turkey: 100%+
Of the loans:
66% went to consumer loans or real estate purchases.
Only:
4% to the industrial sector
3% to agriculture
Banks are not fueling Iraq’s economy — they’re acting like storage vaults.
⚠️ What’s the Risk?
Without reform:
Iraq’s banking system will continue to support consumerism, not production.
Economic diversification will stall.
Job creation and growth will remain minimal.
Efforts like currency reform or RV will be undermined.
🛠️ Economist's Solutions:
Redirect loans to productive sectors: agriculture, industry, renewable energy.
Develop state-backed financing tools for SMEs.
Raise interest rates on savings/fixed deposits to attract long-term capital.
Launch joint public-private funds for national projects.
Enhance bank governance, transparency, and accountability.
✅ Bottom Line:
Iraq doesn’t need more money — it needs to use its money smarter.
Fixing the government banking system is key to unlocking Iraq’s economic potential and rebuilding public trust.
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MNT GOAT: 🇮🇶 A UNIFIED IRAQ: THE FINAL KEY TO THE RV & REINSTATEMENT 🔓
🇮🇶 A UNIFIED IRAQ: THE FINAL KEY TO THE RV & REINSTATEMENT 🔓
Security ✔ Stability ✔ Now Add… UNITY!
🧩 It’s All About a United Iraq — One Nation, One Vision
For years, Iraq has been walking a delicate line between Baghdad and Kurdistan, two very different regions under one constitutional republic. But make no mistake — true economic reform and a revaluation of the dinar (RV) will never happen without UNITY.
✅ Why UNITY = STABILITY
🛢️ Kurdistan holds the oil — Iraq’s most valuable resource.
💰 Baghdad controls the federal budget — and must manage these revenues for all Iraqis.
🛣️ The Development Road Project connects all of Iraq — Kurdistan and Baghdad — into a regional trade powerhouse. But it needs unity, investment, and coordination to succeed.
📈 Recent Headlines Show Major Progress Toward Unity:
🧾 ASYCUDA Customs System Deal Signed
Article: “BAGHDAD, ERBIL AGREE ON ASYCUDA CUSTOMS SYSTEM AND UNIFIED COMPANY ID”
Baghdad and Erbil agree to implement the ASYCUDA system + a unified company ID, allowing federal oversight of customs and tariffs.
👉 This is a HUGE step — it means federal revenue collection from all entry points, finally making those non-oil revenues a reality
.
🛢️ Tripartite Oil Agreement in the Works
Article: “TWO KURDISH DELEGATIONS TO GO TO BAGHDAD”
Two delegations from Kurdistan are in Baghdad this week to finalize a tripartite agreement on oil, domestic revenue, and salaries.
👉 These are the core issues that have caused division for years — and now they're being resolved.
📜 Urgency Behind the Oil & Gas Law
Article: “PRESIDENT: THERE IS AN URGENT NEED TO PASS THE OIL AND GAS LAW”
President Rashid is pushing hard to pass the Oil & Gas Law, which would formalize revenue sharing and end decades of confusion and power struggles.
👉 This law is foundational to a stable, unified economy — and we're closer than ever.
💡 Al-Sudani's "Economic Diplomacy" Strategy Is Working
Article: “ADVISOR: THE GOVERNMENT HAS SUCCEEDED IN HARNESSING THE ECONOMY FOR INTERNATIONAL RAPPROCHEMENT”
Al-Sudani is using economic tools like oil, investment, trade, and strategic contracts to strengthen Iraq’s international standing — exactly what’s needed before a revaluation.
He understands:
“Money talks and BS walks.”
Just like Trump used economic leverage to strengthen America, Al-Sudani is doing the same to rebuild and unite Iraq.
🤔 So... What’s This Got to Do with the RV?
EVERYTHING.
📌 Security & Stability are crucial — ✅ Achieved
📌 Currency Market Parity — ✅ Achieved
📌 Customs & Tariffs Implementation — ✅ In Motion
📌 Kurdistan-Baghdad Unity — ✅ Being Finalized
📌 Oil & Gas Law — ⏳ Nearing Final Vote
📌 Foreign Investment & US Involvement — ✅ Strengthening
And my CBI contact confirms the projected window is between September and December 2025.
We’ve just entered that window. 🚪
⚠️ Beware the Hype Machine
Don’t be fooled by intel guru charlatans claiming “any day now” RVs or secret backdoor deals. Iraq is a sovereign nation, and when it’s ready, it will pull the trigger — publicly and officially.
💥 This isn’t hopium. It’s real-world economics, law, and diplomacy coming to a head.
🎯 Final Thought:
A truly united Iraq = the green light for real, lasting monetary reform.
What we’re seeing now is the culmination of years of groundwork. The shift is happening — not through rumors, but through actual governance, reform, and unity.
🔗 Follow the journey. Stay grounded. Stay alert.
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🇮🇶 Iraq isn’t just revaluing a currency — it’s redefining itself as a unified, sovereign, economic force.
Let that sink in.
🇮🇶⚠️ “Baghdad’s Dangerous Dance with Tehran Could Sink Iraq’s Future”
🇮🇶⚠️ “Baghdad’s Dangerous Dance with Tehran Could Sink Iraq’s Future”
Tensions are rising — and Iraq’s continued alignment with Iranian-backed militias may cost it dearly, both economically and politically. Is Sudani steering Iraq into a regional storm?
🧨 THE PMF PROBLEM:
Popular Mobilization Forces (PMF) — Iran-aligned militias operating in Iraq — are technically state-sanctioned but answer directly to Tehran, not Baghdad.
These groups have attacked U.S. bases and use Iraq to help Iran circumvent sanctions, undermining Iraq’s global credibility.
🧠 Translation: Iraq is being used as a proxy corridor in Iran’s regional shadow war — and it’s not going unnoticed by the West.
💥 Israel–Iran Conflict Escalates: Iraq at Risk?
Despite Iran's mounting confrontation with Israel and the U.S. (see the 12-day war in June), PMF militias in Iraq stayed quiet. But don’t mistake silence for irrelevance — these groups are still deeply entrenched and well-armed.
🧨 If Iraq is seen as an active part of Iran’s war machine, it could be hit hard by U.S. or Israeli strikes — again.
🔌 U.S. Pulling the Plug
Trump’s renewed maximum pressure campaign is already showing:
❌ Ended Iraq’s electricity waiver from Iran
❌ Accused Rafidain Bank of funding Yemen’s Houthis
❌ Sanctioned Iraqi banks complicit in Iran’s sanction-evasion
🇺🇸 The U.S. is done playing nice — and it’s now hinting that Iraq itself could be sanctioned if PMF control continues.
🛑 Sudani Under Fire
PM Sudani is:
🤐 Accused of turning a blind eye to PMF smuggling, black markets, and attacks
⚖️ Balancing pressure from Iran-aligned blocs and U.S. expectations
🚫 Penalizing the Kurdistan Regional Government (KRG) while empowering the PMF
🔍 Washington sees through this — and it's putting pressure on Kurdish oil exports to counter Iran’s shadow economy.
🤯 Internal Cracks Widening:
Speculation grows about a power struggle within Iraq’s Shiite political class:
Some want to reform and integrate the PMF into national forces
Others see that as a threat to Iran’s proxy control
➡️ If not handled carefully, this could spark civil conflict within Iraq’s own Shiite factions.
🧭 The Crossroads:
Iraq must choose a path:
🔵 Align with the U.S.
✔️ Access to foreign aid
✔️ Economic development
✔️ Regional legitimacy
🔴 Double down with Iran
⚠️ Sanctions
⚠️ International isolation
⚠️ Security collapse
As the article warns: “The future Iran offers Iraq threatens to return the country to the 1990s.”
🗣️ Bottom Line for the Dinar Community:
Iraq’s long-term economic recovery and currency reform (including any potential RV) depends heavily on:
Restoring trust with Western powers
Dismantling the PMF’s political stranglehold
Realigning itself with global economic norms, not black-market proxy wars
💡 Without security, sovereignty, and Western partnership, monetary reform will stall — no matter how promising internal financial news may look.
📢 What Can We Do?
✅ Stay informed
✅ Watch for PMF-related sanctions news
✅ Track U.S.–Iraq energy and security negotiations
✅ Support transparency and the rule of law in Iraq
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💬 Do you think Sudani can handle this pressure, or is Iraq drifting too far into Tehran’s orbit? Let’s discuss below. 👇
MNT GOAT: 🔒 SECURITY & STABILITY: THE FINAL PIECES FALL INTO PLACE FOR IRAQ’S MONETARY RESET 💥
🔒 SECURITY & STABILITY: THE FINAL PIECES FALL INTO PLACE FOR IRAQ’S MONETARY RESET 💥
Is This the Moment We’ve Been Waiting For?
For years, the Central Bank of Iraq (CBI) has repeated the same mantra:
"We need security and stability to launch the Project to Delete the Zeros."
Well... Look around. That moment may finally be here.
✅ Financial Stability? CHECK.
In the article “ECONOMIST: IRAQ ENJOYS FINANCIAL STABILITY THANKS TO THE CENTRAL BANK’S RESERVES,”
CBI advisor Mazhar Mohammed Saleh confirmed:
“Financial stability in Iraq is solid, and no worrying indicators have emerged — despite global shocks.”
He went further:
📉 Low inflation
💼 Low unemployment
📈 High growth
🏗️ Strong fiscal & monetary coordination
All indicators of internal economic strength and a stable operating environment.
✅ Security? CHECK.
In the article “AL-SUDANI: THE PARTNERSHIP BETWEEN IRAQ AND THE UNITED STATES HAS ACHIEVED SIGNIFICANT RESULTS AND ENHANCED SECURITY,”
PM al-Sudani confirmed:
“The Iraq–U.S. partnership has contributed to enhancing security and stability.”
Not only military security — but strategic cooperation, training, and economic support.
✅ International Investment Confidence? CHECK.
In “AN ECONOMIST EXPLAINS THE REASONS FOR AMERICAN COMPANIES RETURNING TO IRAQ,” economist Nabil Al-Marsoumi detailed the U.S. corporate comeback:
Once driven away by:
🛑 Corruption
🛑 Mismanagement
🛑 Sectarian tensions
Now returning due to:
✅ Improved anti-corruption frameworks
✅ Greater administrative capacity
✅ Safer investment climate
✅ U.S. interests now directly tied to Iraq’s success
🧠 Time to THINK:
🔄 The CBI said they needed rate parity between the official rate and the market rate.
They achieved that.
🔄 They said they needed security.
They now have a secure and U.S.-supported environment.
🔄 They said they needed economic stability.
The CBI is boasting financial strength and policy coordination.
So… where is the Project to Delete the Zeros?
📅 My CBI contact has hinted it could begin between September and December.
Guess what?
It’s September.
🛑 We've been here before — years end with high hopes.
But this time, all the boxes are finally checked.
And the alignment of events is stronger than ever.
🧩 It’s all connected — the news, the reforms, the partnerships, and the economic vision.
🇮🇶 Iraq is positioning itself as a rising regional power.
Will the currency finally reflect it?
🔗 Don’t miss a single development — follow for real-time updates:
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🔥 Security ✔ Stability ✔ Parity ✔ Investment ✔
Now all eyes on the CBI...
🇮🇶🔥 “Iraq’s Oil & Gas Law: The Final Piece of the Puzzle?”
🇮🇶🔥 “Iraq’s Oil & Gas Law: The Final Piece of the Puzzle?”
President Calls It ‘Urgent’ — Could This Unlock the RV? 💰
🛢️ President Rashid Sounds the Alarm:
“There is an urgent need to pass the Oil & Gas Law and define how revenue is distributed. Parliament has failed to pass it, and the problems remain unsolved.”
📌 Why This Matters:
The Oil & Gas Law has been one of the long-standing missing pieces needed for:
🔹 Economic Unity between Baghdad & Erbil (KRG)
🔹 Fair revenue distribution across provinces
🔹 Stronger investor confidence & legal frameworks
🔹 Financial stability to support a potential RV rollout
🔍 President Also Reveals:
💸 80% of Iraq's revenues go to salaries — compared to just 6% in developed countries. He calls this unsustainable.
🗳️ Iraq remains committed to free and fair elections — no emergency government or delays.
💧 Iraq faces a climate-induced water crisis and calls for cooperation from neighbors.
🇵🇸 Iraq stands in solidarity with Palestine, calling for an immediate end to aggression in Gaza.
🤝 “Federal–KRG Ties Are Stronger Than the Differences”
Rashid emphasized that the relationship between the federal government and Kurdistan is generally positive, and that shared interests outweigh the differences.
This sets the stage for agreement on oil exports, revenues, and national unity.
🧩 Is This the Final Piece Before the Reinstatement?
Many analysts believe the Oil & Gas Law could be a major trigger for the long-awaited monetary reform, including the Project to Delete the Zeros and ultimately the RV of the Iraqi Dinar. 🧠💸
With high-level alignment across four presidencies, could we finally be heading toward a legislative breakthrough?
📣 Get Daily Updates, RV News & Analysis:
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👀 Stay alert. Things are moving fast. The oil law isn’t just legislation — it’s a signal.
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