In 2025, OPI Bank has entered a dynamic phase of operations marked by financial growth, customer-focused service expansion, and internal restructuring aimed at long-term sustainability. The bank continues to serve both individual and corporate clients with a wide range of products and services, supported by a strong commitment to innovation, transparency, and regional development.

Strong Financial Performance

OPI Bank has shown consistent financial strength over the last year, demonstrating resilience despite a competitive and evolving economic landscape. The bank’s quarterly performance reports reveal the following highlights:

• 10% growth in total customer deposits compared to Q4 2024.

• Increased lending activity, particularly in the areas of small business loans, personal loans, and housing finance.

• Steady growth in digital transaction volumes, with over 65% of retail transactions now taking place via the bank’s mobile or online platforms.

• Maintenance of a high liquidity ratio, exceeding regulatory requirements set by the Central Bank of Iraq (CBI), ensuring the bank’s stability.

The bank’s positive balance sheet reflects both careful risk management and strong customer confidence.

Customer-Centered Service Expansion

OPI Bank has invested heavily in customer experience initiatives, both in-person and digital. The bank has:

• Opened 3 new branches, bringing modern banking services to local communities.

• Hired and trained over 100 new employees to improve customer service at branches and through the call center.

• Launched financial literacy programs, including community workshops and webinars on savings, budgeting, and using digital banking tools.

• Established VIP banking lounges for premium clients offering tailored financial planning, investment services, and private consultations.

The bank also continues to focus on building inclusive financial services, including offering no-fee accounts for students, retirees, and individuals with disabilities.

Corporate and SME Banking Growth

In its business division, OPI Bank has made significant strides to support the growth of the private sector:

• The bank processed over 800 business loan applications in Q1 2025, supporting local construction firms, agricultural companies, retailers, and service providers.

• Introduced trade finance services, such as Letters of Credit and Import Guarantees, for businesses dealing with international suppliers.

• Offered custom business account packages, which include payroll services, tax support, and automatic billing systems.

OPI Bank’s commercial banking teams are also actively visiting businesses to offer on-site banking consultations and helping SMEs transition to digital payment methods.

Technological and Digital Operations

As part of its digital banking transformation strategy, OPI Bank’s IT and innovation departments have rolled out multiple backend and customer-facing improvements:

• Server upgrades to support faster transaction processing and reduce service downtime.

• Fraud monitoring systems using AI to detect abnormal patterns and alert both staff and customers in real time.

• Upgraded the digital onboarding process so new customers can open accounts within minutes, fully online, with e-signature verification.

• Launched pilot programs for mobile micro-loans, allowing small sums to be borrowed and repaid directly through the app with flexible terms.