Sunday, November 30, 2025

🌍 International Experts: Iraq Emerging as a Prime Destination for Business & Investment

 🌍 International Experts: Iraq Emerging as a Prime Destination for Business & Investment 

Iraq is rapidly gaining attention on the global stage as a promising destination for business, investment, and long-term economic partnerships. During a recent seminar titled “Doing Business in Iraq”, organized by the Iraqi British Business Council (IBBC) in cooperation with the British Chamber of Commerce in Turkey (BCCT), international experts highlighted the growing opportunities in the Iraqi market and the country’s accelerating economic transformation.

🚀 Strong Infrastructure Growth & Government Support

John Wilkes, former British ambassador to Baghdad and current member of the IBBC advisory board, praised Iraq’s flourishing infrastructure, noting that the new government appears committed to maintaining its strategy of encouraging investment, supporting development projects, and modernizing the economy.
Wilkes emphasized that Iraq’s long-term trajectory is increasingly attractive to global companies seeking expansion in the Middle East.

💼 Iraq Seen as a Promising Investment Environment

Participants in the seminar unanimously agreed that Iraq represents one of the most promising business destinations in the region. They stated that international cooperation—especially between Iraq, the United Kingdom, and European partners—plays a crucial role in fostering sustainable economic growth, expanding trade, and improving the country’s integration into global markets.

🔐 Stable Security Conditions Support Business Activity

Robin Steelick from the Pilgrims organization provided an assessment of the security environment in Iraq. He explained that while some localized disturbances can occur, the overall security situation remains stable and manageable

, especially for companies with proper local guidance.
This stability, he noted, continues to encourage multinational corporations to explore investment opportunities inside the country.

📊 Positive Economic Fundamentals & Increasing Growth

Jamil Shukair, CEO of SC Middle East, offered an overview of Iraq’s financial landscape. According to Shukair, the fundamentals of the Iraqi economy are developing in a positive and sustainable direction, driven by several key factors:

  • A growing population and rising domestic demand

  • Expanding oil production capacity

  • Large-scale construction and infrastructure projects

  • Strengthening financial institutions

  • Increased interest from international investors

These elements together are pushing Iraq toward a phase of accelerated economic growth and a more dynamic investment climate.

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FRANK26: 🔥 Iraq Currency Update – Deep Analysis & Boots-on-the-Ground Highlights

 🔥 Iraq Currency Update – Deep Analysis & Boots-on-the-Ground Highlights 

Interest in Iraq’s monetary reform has surged again this week, as new comments from economists, government officials, and analysts circulate across social platforms and the investment community. While opinions vary widely, there are several key developments worth examining in detail to better understand what is actually happening—and what is not confirmed at all.

This comprehensive update breaks down recent statements, investor concerns, and the real role of the Central Bank of Iraq (CBI) as the country moves through ongoing reforms.

📈 Economists Apply Pressure on the CBI

According to recent boots-on-the-ground reports, multiple Iraqi economists are now pushing the Central Bank to accelerate progress on:

This pressure is not just domestic. Foreign investors have also begun questioning why the exchange rate has not been adjusted despite the government’s broader economic reform agenda.

However, while these conversations generate excitement, it's important to remember: economists and outside analysts cannot decide or predict the exact timing of any rate-related decision. Only the CBI can make such determinations.

🗓 Sudani Mentions a “New Mechanism” — but No Confirmed Rate Change

Prime Minister Sudani recently stated that a  new mechanism for Iraq’s currency is expected to begin on December 1st.
This announcement quickly spread across social media, often being misinterpreted as confirmation of an exchange-rate change.

But Sudani did not say:

  • There will be an exchange-rate change on December 1

  • That the “new mechanism” includes a revaluation

  • That the CBI has chosen any specific date

Because of that, the situation remains uncertain. What is clear is that Iraq is moving through a monetary modernization process, but no official confirmation exists about when—or if—any rate adjustment will occur.

🔍 Nader: “Nobody knows when it will happen… maybe not even Sudani”

Nader from the Middle East, known for sharing direct commentary and insights from within Iraq, reminded everyone of a crucial point:
No one outside the CBI knows the exact timing of any monetary event.

He emphasized:

“It can happen now, tomorrow, next week. Nobody knows. Not me, not the investors, and maybe not even Sudani.”

This clarity is important because misinformation spreads quickly in the dinar community. Many people want a date, but the truth remains:

  • There is no public timeline

  • No one can legally or accurately predict a date

  • Only official statements from the CBI can confirm changes

Nader’s reminder helps ground expectations and keeps the community focused on verified information rather than speculation.

🕊 The Final Decision Will Come From Alaq and the CBI

Ultimately, Governor Alaq and the Central Bank of Iraq hold complete authority over any changes to the exchange rate or monetary structure.
Before any decision is made, the CBI must evaluate:

  • Market stability

  • Economic indicators

  • International reserves

  • Political timing

  • Technical readiness

When the CBI concludes that all conditions are fully aligned, Alaq will present the final “we’re ready” assessment to Iraq’s leadership.

Until that moment arrives, patience remains not only important—but necessary.

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If you want ongoing updates, real-time commentary, and community discussion, join all our platforms:

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These channels provide daily insights, analyst notes, and boots-on-the-ground information from multiple perspectives.

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FIREFLY: 💰 Iraq’s Bold Financial Shift — A Landmark Currency Transformation 🌟 #frank26 #dinarrevaluation

 


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💳📱 Iraq Pushes Digital Finance: E-Wallets & Mobile Banking to Empower Vulnerable Groups 🇮🇶✨

💳📱 Iraq Pushes Digital Finance: E-Wallets & Mobile Banking to Empower Vulnerable Groups 🇮🇶✨

✨ Highlights Summary (English)

1️⃣ Digital Tools Becoming the Backbone of Inclusion

PM economic advisor Mazhar Muhammad Saleh says electronic wallets and mobile banking are now key mechanisms to boost financial inclusion — especially for women, youth, and rural communities who historically lacked access to traditional banking.

2️⃣ Financial Inclusion Climbs Above 40%

Iraq’s financial inclusion rate has risen to over 40%, a major jump from previous years.
Challenges remain — especially in remote areas where banking infrastructure, communications, and financial awareness are still weak — but progress is clearly underway.

3️⃣ Education & Awareness at the Core

Saleh highlights that 

financial literacy, capacity building, and national awareness campaigns are essential pillars.
Plans include:

  • Adding financial literacy skills to school and vocational curricula

  • Teaching safe banking habits and fraud protection

  • Encouraging saving and use of official banking channels

4️⃣ Reducing Urban–Rural Disparities

Limited access to formal banking deepens inequality.
To fix this, Iraq aims to:

  • Expand mobile banking to remote areas

  • Boost partnerships between banks + telecom companies

  • Strengthen digital transfer networks for easier access to payments and remittances

5️⃣ Expected Impact: Hundreds of Thousands Integrated

These policies could help integrate hundreds of thousands into the formal financial system.
Key benefits:

  • Better financing for small & micro businesses

  • Job creation via expanded lending

  • Digital platforms linking entrepreneurs with lenders

  • Lower cash dependency and faster transactions

6️⃣ CBI Leading a Full Digital Inclusion Strategy

The Central Bank is driving a phased plan centered on:

  • E-wallets & mobile payments

  • Digital and biometric IDs for remote account opening

  • Reducing banking costs for citizens
    Saleh calls the bank account a fundamental pillar of inclusion.

7️⃣ Long-Term Vision: A More Inclusive, Resilient Iraq

Aligned with the 2024–2028 Development Plan and Iraq’s Vision 2050, the strategy combines:

  • Digital transformation

  • Stronger regulation

  • Expanded financing

  • Capacity building

The goal: a sustainable, inclusive economy where rural families, youth, and small businesses fully participate in national development.

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Saleh To Al-Furat News: Electronic Wallets And Mobile Banks Are The Path To Financial Inclusion For Vulnerable Groups

Time: 2025/11/29 Readings: 75 times  {Economic: Al-Furat News} The economic advisor to the Prime Minister, Mazhar Muhammad Saleh, revealed that electronic wallets and mobile banks represent a key mechanism to enhance financial inclusion for vulnerable groups in Iraq, to enable women, youth and rural residents to access banking services, reduce reliance on cash, and expand financing opportunities for small and medium enterprises.

Saleh told Al-Furat News that “financial inclusion indicators in Iraq have recently risen to more than 40%, compared to previous low levels, after suffering greatly from the high percentage of the population not covered by banking, especially in remote areas that suffer from weak banking and communication infrastructure, in addition to weak financial awareness, widespread reliance on cash, and limited funding for small and micro enterprises.”

He explained that “financial literacy, human capacity building, national awareness campaigns on saving, banking services, and protection from financial fraud represent one of the pillars of financial inclusion, along with introducing financial literacy skills into school curricula and vocational education,” considering financial inclusion “one of the pillars of economic and social stability.”

Saleh pointed out that “weak access to organized financial services deepens the disparities between urban and rural groups,” stressing that “the policy required to promote financial inclusion will provide innovative options for remote areas and vulnerable and poor groups through mobile banking and the provision of direct services, in addition to developing strategic partnerships between banks and telecommunications companies to deploy mobile payment services and enhance digital transfer networks to facilitate access to financial transfers for all residents.”

According to the economic advisor, "The expected effects of these policies will contribute to integrating hundreds of thousands of citizens into the formal banking system, improving project financing opportunities, and creating new jobs by expanding affordable lending and microfinance initiatives and establishing digital platforms to connect entrepreneurs with banks and financing providers, while reducing the economy's reliance on cash and increasing transaction efficiency."

He stressed that “the Central Bank of Iraq is working on implementing a digital financial inclusion strategy in a coordinated and phased manner, focusing on digital financial transformation through electronic wallets, mobile payments, and the adoption of digital and biometric identity to open bank accounts remotely and reduce operational costs for citizens,” considering the bank account “a fundamental pillar in financial inclusion.”

Saleh concluded by saying that “enhancing financial inclusion requires an integrated vision that combines digitalization, financial regulation, capacity building and expanding financing for small projects,” noting that “implementing these policies will create a more inclusive and sustainable economy and enhance the resilience of families and projects in remote areas and their active participation in sustainable development, in line with the 2024-2028 development plan and Iraq’s 2050 vision.”  LINK

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FRANK26, MARKZ & MNT GOAT: 📰 Global RV Parallels & Iraq’s Mixed Signals: What Commentators Are Saying 📰

📰 Global RV Parallels & Iraq’s Mixed Signals: What Commentators Are Saying 📰⚡

✨ Highlights Summary (English)

1️⃣ Frank26: Historical Patterns Before Major Currency Moves

Frank26 highlights past global examples where countries issued guidance before major currency changes:

  • 🇰🇼 Kuwait (1991): New note verification guides were released two weeks before their revaluation.

  • 🇩🇪 Germany (1948): The Rentenbank published exchange procedures 10 days before the Deutsche Mark launch.

  • 🇨🇳 China (2015): PBOC issued handling instructions 72 hours

     before a stealth de-pegging.

He suggests these precedents mirror what some expect Iraq might do — releasing bulletin board instructions before any new rate — and argues that the CBI’s public denials are part of a necessary “facade” to protect the monetary reform process.

2️⃣ MarkZ: “We’re in a Very Short Window”

MarkZ reports that many of his sources believe the RV could happen at any moment, with a high-expectation window between Dec 2 and Jan 2.
He stresses excitement and growing anticipation among insiders.

3️⃣ Mnt Goat: Clarifying the CBI Statement

Mnt Goat cites the headline:
“The Central Bank Settles the Debate: There Is No Intention to Amend the Exchange Rate of the Iraqi Dinar.”
She emphasizes this means no intention to devalue the dinar — not necessarily a rejection of future strengthening — and points out that the statement addresses current policy, not long-term reform.

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Frank26  

 Kuwait, 1991, two weeks before they did an RV, before they came out with a new rate, their central bank released new note verification guides.  That's what we're expecting.  

We call them the bulletin boards so the citizens wouldn't panic when the old notes suddenly became 1,000 time the street value.  That was 1991...Germany in 1948, Renton Bank  published, "currency exchange procedures" 10 days before the DM launched so that the public would know exactly how to walk in and trade their worthless paper for real currency.  China back in 2015, the PBOC issued, "Offshore CNH handling instructions 72 hours before the stealth de-pegging...These scenarios have happened many time in the past.

As far as the central bank saying there's no plan to change the exchange rate...why did you say you're changing the exchange rate by lifting the 3 zeros...?  Remember the CBI has to put up this facade.  It has to put up this fake posture saying there's no plan.  We've already gone over this over and over and over again.  This is actually part of the  monetary reform plan to distance them...Be smart.  Be strong.

MarkZ 

  [via PDK]   People are expecting it [RV] at any moment. All of them say we are in a very short window, so I am excited.  Many are looking for between Dec 2 to Jan 2 right now. 

Mnt Goat   

Article:  "THE CENTRAL BANK SETTLES THE DEBATE: THERE IS NO INTENTION TO AMEND THE EXCHANGE RATE OF THE IRAQI DINAR"  This means no intention to devalue the dinar, get it? 


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BRUCE & MILITIAMAN: Projected IQD Rates ($3.22–$4.25) | Top Insights #IQD

 


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📉🇮🇶 Iraq’s Inflation Cools Down — Modest Relief for Households 🇮🇶📉

📉🇮🇶 Iraq’s Inflation Cools Down — Modest Relief for Households 🇮🇶📉

✨ Key Highlights (English)

1️⃣ Inflation Eases — Both Monthly and Annually
The Ministry of Planning announced that during October 2025, Iraq saw a 0.3% drop in monthly inflation compared to September. In addition, annual inflation fell by 0.5% compared to October 2024.

2️⃣ Cheaper Food and Drinks — A Big Driver of the Drop
Prices for food and non-alcoholic beverages declined by 0.5%, with fish prices down 4.9% and fruit down 2.4% — two major contributors to the overall inflation decrease.

3️⃣ Housing Costs Slightly Down Too
The housing sector saw a 1% decrease, offering a bit of breathing room for families paying rent or mortgages. Some other sectors saw little change; others fluctuated marginally.

💡 What This Could Mean for Everyday Iraqis

  • Lower food and housing prices could make daily life a bit more affordable.

  • If the trend continues, households might begin to feel real relief — especially low-income families.

  • Still, with only modest declines in some sectors, many may continue to feel economic pressures until more lasting improvements are seen.

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Planning Ministry Announces A Decrease In Inflation Rates During The Past Month

Economy | 29/11/2025  Mawazin News - Baghdad:  The Ministry of Planning announced a decrease in monthly and annual inflation rates during October.

Ministry spokesperson Abdul Zahra al-Hindawi stated that "the Statistics and Geographic Information Systems Authority, through its field teams monitoring the prices of goods and services in all governorates, recorded a decrease in the monthly inflation rate of 0.3% compared to September." He added that "annual inflation also recorded a decrease of 0.5% during October, compared to the same month in 2024."

Al-Hindawi explained that "the decrease in inflation is mainly due to a 0.5% drop in the prices of food and non-alcoholic beverages, with fish prices decreasing by 4.9% and fruit prices by 2.4%."

He further noted that "the housing sector recorded a decrease of 1%," pointing out that "prices in several other sectors fluctuated slightly, while others maintained their previous rates."  https://www.mawazin.net/Details.aspx?jimare=270927


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WALKINGSTICK, FIREFLY & SANDY INGRAM: ⚡🇮🇶 Iraq’s Currency Buzz: Rumors, Reforms & Rising Expectations 🇮🇶⚡

⚡🇮🇶 Iraq’s Currency Buzz: Rumors, Reforms & Rising Expectations 🇮🇶⚡

✨ Highlights Summary (English)

1️⃣ Budget 2026 & the “New Exchange Rate” Rumor 💰

According to Walkingstick, government insiders indicate the 2026 budget may include a new exchange rate as a line item. Sudani is reportedly trying to push this budget forward in 2025.

Rumors also suggest something might happen on December 1st, but official confirmation is still missing. Investors and locals alike are watching closely for updates that could reshape Iraq’s financial landscape .

2️⃣ Boots-on-the-Ground Confusion & Public Frustration 📺🔥

Frank26’s Firefly report highlights 

mixed messages on TV and growing public concern. Sudani’s statements about December 1st initially sparked hope but were later clarified to involve foreign currency, leaving many confused about the dinar’s value.

This has created a sense of rebellion and frustration among Iraqis asking:
👉 “Where is the new exchange rate?”

Frank explains that reinstatement involves multiple moving parts: lower denomination notes, lifting the three zeros, and alignment across government and banking authorities. Right now, the process is clouded by what he calls “stun grenades and smoke bombs”, keeping the public in suspense.

💡 Read also: Bank Appointment for Currency Exchange Instructions & Checklist

3️⃣ Sandy Ingram: Why a Dinar Revaluation Could Eventually Happen 📈

Sandy Ingram emphasizes that she is not predicting, but analyzing confirmed developments:

  • The Development Road Project is forcing Iraq to modernize its banking system.

  • Modernization creates a supportive environment for a stronger dinar.

  • Without a revaluation, Iraq risks losing millions in potential economic gains.

She suggests the IQD could naturally rise over time, driven by real economic progress rather than speculation alone.

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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...