The Banking Executive Magazine - September 2025 Issue

Trade Bank of Iraq Quality Recognition Award for Outstanding Achievement of Best-in-Class MT103 STR Rate 99.68%, by J.P. Morgan. BRANCH EXPANSION By late 2025, TBI operated 29 branches nationwide, and one in KSA and representative office in Abu Dhabi, after a wave of new openings in Baghdad and beyond. Each branch was equipped with modern systems and digital tools, extending service coverage and promoting in- clusion. COMMITMENT TO INNOVATION TBI has invested heavily in modern- ization. Digital banking enhance- ments—including updates to its mobile and online platforms—have given clients real-time access to bal- ances, transfers, and trade-finance tracking. Internally, TBI has streamlined back- office operations, introducing sys- tems that align with ISO standards in transaction processing and compli- ance. Training programs for staff en- sure technology is matched with capacity, embedding a culture of continuous improvement. “Expanding our services with the latest technologies is essential to deliver unparalleled value to our customers,” – TBI management. CORRESPONDENT BANKING & INTERNATIONAL REACH TBI’s footprint outside Iraq. It oper- ates a representative office in Abu Dhabi (ADGM) and a branch in KSA, that contains employees. Relationships with rep- utable international partners have strengthened in recent years, enhancing global credibility and re- silience,” Mr. Bilal Sabah Hussein, Chairman, TBI. LOOKING AHEAD TBI’s future strategy is shaped by three priorities: • Scaling trade finance while diver- sifying into retail and corporate lending. • Extending its footprint across Iraq’s governorates to broaden access. • Deepening correspondent ties and partnerships abroad, with the ADGM office as a hub for regional engagement. The bank has also pledged to intro- duce new services, strengthen its workforce, and remain a central part- ner in Iraq’s economic moderniza- tion. As Iraq accelerates reconstruction and diversification, TBI’s role will re- main pivotal—financing trade flows, facilitating investment, and building trust across borders. the BANKING EXECUTIVE 28 ISSUE 201 SEPTEMBER 2025