Thursday, November 6, 2025

FRANK26….11-5-25……MR UPDATE/BANK STORY

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🏦 “Iraq Banks Step Up: Central Bank Aligns with International Standards” 🌍💰

 🏦 “Iraq Banks Step Up: Central Bank Aligns with International Standards” 🌍💰

Highlights by PDK (Summary – Not Verbatim)

📰 Central Bank & Banking Reform:

🔹 Amended Bank List: The Central Bank of Iraq has updated its list of banks — previously limited to government banks — to meet international standards for foreign financing and correspondent banking. 🌐

🔹 Sovereign Guarantees & Projects:

  • Five projects are awaiting Cabinet approval for sovereign guarantees totaling 1 trillion IQD.

  • Six projects in total, with 600 billion IQD already approved and 400 billion IQD remaining.

  • Agreements exist with Spanish, German, and UK entities to support investment projects. ✈️💼

🔹 Private Bank Involvement:

  • The remaining projects under the 1 trillion IQD ceiling will now be handled by private banks, as per the Central Bank amendment.

  • The Trade Bank of Iraq (TBI) has been notified, and an agreement with a Dutch entity is expected to be signed within 1–10 days. 🏦🤝

🔹 Coordination Efforts:

  • The Sovereign Guarantees Committee has spent two years coordinating with financing banks, guaranteeing institutions, and the Industrial Bank to ensure smooth execution.

💭 Takeaway: Iraq is modernizing its banking sector to international standards, facilitating foreign investment, and enabling private sector participation in major projects — a step forward for economic growth and financial transparency.

🌐 Follow for More Updates:
📖 Blog: dinarevaluation.blogspot.com
💬 Telegram: t.me/DINAREVALUATION
📘 Facebook: Dinar Revaluation
🐦 Twitter/X: @DinaresGurus
▶️ YouTube: @DINARREVALUATION

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MNT GOAT, WALKINGSTICK & SANDY INGRAM UPDATE: 💸 “Iraq’s Dinar: Zero Removal & Hidden Cash Insights” 🇮🇶✨

💸 “Iraq’s Dinar: Zero Removal & Hidden Cash Insights” 🇮🇶✨

Highlights by PDK (Summary – Not Verbatim)

📰 Mount Goat Update:

🔹 Cash Outside Banks: Financial expert Mahmoud Daghir revealed that ~90 trillion dinars are held by the public at home, out of 98 trillion dinars total. This suggests most of Iraq’s money supply is outside the banking system. 💰🏠

🔹 Zero Removal Project: Iraq may begin swapping the three-zero notes for smaller denominations soon. Removing zeros is expected to bring most currency back into banks, with incentives for people to deposit. 🏦✨

🔹 Liquidity Issues: Banks still face low liquidity, but the Central Bank says this 

“would be resolved soon.”

🔹 Budget Clues & Exchange Rate:

  • The 2026 budget was voted in 2025.

  • New exchange rate will appear in both the 2025 & 2026 budgets.

  • Visibility is restricted, likely because of the new rate. 📊

🔹 Currency Comparison Insight:

  • Kuwaiti dinar = $3.81, the highest-valued currency vs USD.

  • Iraq produces more oil than Kuwait, yet its currency is undervalued.

  • Overprinting of money may be why IQD investors anticipate a revalue/adjustment. ⚖️

💭 Takeaway: Iraq is quietly preparing steps — zero removal, budget alignment, and currency adjustments — that could shift most liquidity back into banks and set the stage for potential revaluation.

🌐 Follow for More Updates:
📖 Blog: dinarevaluation.blogspot.com
💬 Telegram: t.me/DINAREVALUATION
📘 Facebook: Dinar Revaluation
🐦 Twitter/X: @DinaresGurus
▶️ YouTube: @DINARREVALUATION

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 Mnt Goat  

 Article:  “FINANCIAL EXPERT: PEOPLE DO NOT TRUST BANKS AND ARE STORING THEIR MONEY AT 

HOME.” Article Quote:  “Financial expert Mahmoud Daghir revealed on Sunday that the amount of cash held by the public is estimated at around 90 trillion dinars, out of a total money supply of 98 trillion dinars in Iraq”.  Folks, I believe they do not want to talk much about the dinar we have outside of Iraq. It could very well amount to very close to a trillion dinars alone. How are they going to retrieve our dinars? This of course is a rhetorical question, as we all know the answer.

 ...we should see some movement on the project to remove the zeros this month. 

Will Iraq begin the swap out of the three zero notes for the lower denominations soon? We read again in the news of the lack of liquidity in the banks...that nearly 90% of issued dinars are outside the banking system…still.  

...I was told by my CBI contact that by removing the zeros should bring most of this currency into the banks.

 I was also told there will be an incentive to do so. We were told in the news from the CBI in connection with the article about removing the zeros, that this issue of lack of liquidity “would be resolved soon”...this was their words not mine...

Walkingstick 

 The budget of '26 was voted on in '25.  We will see the new exchange rate in the '26 budget and in the '25 budget. 

 You haven't seen the '25 budget because they don't want you to see it.  It's that simple. 

 Why?  

Because it has a new rate.

Sandy Ingram

 The Kuwaiti dinar is worth $3.81, the highest valued currency against the US dollar in the world...Iraq produces 4 million barrels of oil per day.  Kuwait only produces 2.7 million barrels per day.  Iraq produces more oil than Kuwait yet Kuwait's currency is the highest valued currency in the world against the US dollar.  There's something wrong here.  This is one of the reasons...IQD investors believe in the IQD revalue or adjustment.  But we have to take into account the overprinting of the money...

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"BREAKING: CBI Confirms IQD Revaluation — It’s Finally Happening!"

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💰 “Iraq’s 2026 Spending Plan: Same Rate, New Rules Ahead!” 🇮🇶✨

💰 “Iraq’s 2026 Spending Plan: Same Rate, New Rules Ahead!” 🇮🇶✨

Highlights by PDK (Summary – Not Verbatim)

🗓️ Finance Committee Update:
The Iraqi Parliamentary Finance Committee announced the government’s spending mechanism for 2026.

💬 Key Points:
🔹 Law-Based Spending: Iraq will follow Law 1/12 of 2024 for expenditures, since the 2025 budget schedules haven’t been approved yet.
🔹 Stable Exchange Rate: Committee member Jamal Kojar confirmed that the exchange rate will remain unchangedfor now.
🔹 Focused Spending: Government disbursements in 2026 will be limited to operating expenses — no expansion or new major projects expected until further budget approval.

📊  Interpretation:
This move suggests fiscal caution and continuity, while larger reforms — possibly including rate changes or project investments — may depend on upcoming budget approvals or economic adjustments later in 2026.

🌐 Follow for More Updates:
📖 Blog: dinarevaluation.blogspot.com
💬 Telegram: t.me/DINAREVALUATION
📘 Facebook: Dinar Revaluation
🐦 Twitter/X: @DinaresGurus
▶️ YouTube: @DINARREVALUATION

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COFFEE WITH MARKZ: 💥 “RV Whispers & Banking Shifts: Are We Finally on the Cusp?” 💰✨

 💥 “RV Whispers & Banking Shifts: Are We Finally on the Cusp?” 💰✨

Highlights by PDK (Summary – Not Verbatim)

🔹 MZ’s Opening Note: Remember — all opinions only! Always verify with professionals for any financial decision.

🔹 Is this the week? Members are hopeful, but MZ says it’s painfully quiet. Expecting bond updates later today for clues on progress.

🔹 Banking Crash Talk 💣 – Some believe a financial crash could be the final trigger to push the RV through.

🔹 Timing Confusion ⏳ – Mountain Goat sees January 2026 for reinstatement, but MZ disagrees, saying the timeline may be intentionally clouded.

🔹 Central Bank News 🏦

 – Iraq’s Central Bank aims for international banking standards by Jan 2026, yet MZ believes a new rate must come before then.

🔹 Logic Check 💡 – Why would Iraq draft a 2026 budget if they plan to change the rate in January? Many expect the shift before year-end or even before Iraq’s elections (Nov 11).

🔹 ISO 20022 & Gold-Backed Currencies 🪙 – Members link the 2025–2026 international banking standard rollout to potential asset-backed systems.

🔹 Bank Rumors 🤫 – Reports of new banking systems, NDAs among tellers, and internal shifts spark curiosity — “Something’s moving behind the scenes.”

🔹  Looking Ahead 🇺🇸 – Some speculate Trump could align a major announcement with July 4, 2026, America’s 250th anniversary, possibly tied to gold-backed Treasuries.

🔹 Community Spirit 🙏 – Members stay hopeful for blessings before Thanksgiving or Black Friday, keeping positive energy alive.

🎙️ Special guests Dr. Bruce Fong & Lewis Hermes joined after the news — catch the replay for their insights!

🌐 Follow & Join the Conversation:
📖 Blog: dinarevaluation.blogspot.com
💬 Telegram: t.me/DINAREVALUATION
📘 Facebook: Dinar Revaluation
🐦 Twitter/X: @DinaresGurus
▶️ YouTube: @DINARREVALUATION

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MAJEED: 💥 From Zeros to Value: How Iraq’s Currency Reform Could Transform the IQD 💥

💥  💥 From Zeros to Value: How Iraq’s Currency Reform Could Transform the IQD 💥 ⭐  Introduction The term  “Zero Game”  is buzzing among Ir...