Republic of Iraq // IRAP Authority
RT Bank (Region Trade Bank)
REF: IRAP-IQ-REG-1084
Integrity Score
0.0
/5.0
Based on our audit
IRAP Verified Checklist
- Legal License Verified
- Physical Location Confirmed
- No Major Complaints Found
Executive Audit Summary
Welcome to RT Bank (Region Trade Bank), a dynamic and forward-thinking financial institution dedicated to empowering the people and businesses of Iraq. Established in July 2001 in the Kurdistan Region and registered as a private joint-stock company in 2006, we have grown from a local financial provider into a nationwide banking leader. With a paid-up capital of 300 Billion IQD, we stand on a foundation of financial strength, guided by a mission to drive economic development through innovation, integrity, and world-class service.
Who We Are
RT Bank was founded with a vision to modernize the Iraqi banking sector. Licensed by the Central Bank of Iraq (CBI), we were formerly known as Emerald Bank before rebranding to reflect our expanding regional and international ambitions.
We are proud to be a bank that combines deep local roots with global standards. Our commitment to excellence is reflected in our "CCC+" credit rating from Fitch Ratings and our consistent "2A" CAMEL rating from the Central Bank of Iraq, underscoring our operational safety, liquidity, and sound management.
Our Leadership
Ms. Hamila Abd Al Sattar Gomaa (Hamila Gardi)
Chairwoman of the Board of Directors
RT Bank is led by Ms. Hamila Gardi, a visionary leader recognized regionally for her contributions to business and society. Under her stewardship, the bank has prioritized female empowerment, private sector growth, and digital transformation. Her leadership has earned her the prestigious "Fakhr Al Arab" (Pride of the Arabs) award multiple times in Dubai, recognizing her role in improving the quality of life and economic conditions in Iraq.
Our Mission & Vision
Our Vision
To be the leading bank in Iraq, recognized for our commitment to customer success, technological innovation, and sustainable economic growth.
Our Mission
Innovate: To deliver state-of-the-art digital banking solutions that make financial management simple and secure.
Empower: To support small and medium enterprises (SMEs) and large corporations with the capital they need to build Iraq’s future.
Expand: To bridge the gap between Iraq and the global economy through a robust network of international correspondent banks.
Our Services
We offer a comprehensive suite of financial products tailored to your needs:
Corporate Banking: Project financing, working capital loans, Letters of Credit (LCs), and Letters of Guarantee (LGs) to facilitate domestic and international trade.
Retail Banking: Personal loans, savings accounts, and auto financing designed to help individuals achieve their life goals.
Digital Banking: A secure Mobile App and Internet Banking platform that allows you to manage your finances 24/7.
Trade Finance: As a specialized trade bank, we offer expert advice and instruments to secure your imports and exports.
Network & Presence
Headquartered in Erbil, RT Bank operates a strategic network of branches across key commercial hubs in Iraq, ensuring we are always close to our customers:
Erbil: Head Office (Gulan St.), 100m Branch, Airport Office.
Baghdad: Al-Karrada Branch.
Major Cities: Sulaymaniyah, Duhok, Kirkuk, Basra, and Zakho.
Who We Are
RT Bank was founded with a vision to modernize the Iraqi banking sector. Licensed by the Central Bank of Iraq (CBI), we were formerly known as Emerald Bank before rebranding to reflect our expanding regional and international ambitions.
We are proud to be a bank that combines deep local roots with global standards. Our commitment to excellence is reflected in our "CCC+" credit rating from Fitch Ratings and our consistent "2A" CAMEL rating from the Central Bank of Iraq, underscoring our operational safety, liquidity, and sound management.
Our Leadership
Ms. Hamila Abd Al Sattar Gomaa (Hamila Gardi)
Chairwoman of the Board of Directors
RT Bank is led by Ms. Hamila Gardi, a visionary leader recognized regionally for her contributions to business and society. Under her stewardship, the bank has prioritized female empowerment, private sector growth, and digital transformation. Her leadership has earned her the prestigious "Fakhr Al Arab" (Pride of the Arabs) award multiple times in Dubai, recognizing her role in improving the quality of life and economic conditions in Iraq.
Our Mission & Vision
Our Vision
To be the leading bank in Iraq, recognized for our commitment to customer success, technological innovation, and sustainable economic growth.
Our Mission
Innovate: To deliver state-of-the-art digital banking solutions that make financial management simple and secure.
Empower: To support small and medium enterprises (SMEs) and large corporations with the capital they need to build Iraq’s future.
Expand: To bridge the gap between Iraq and the global economy through a robust network of international correspondent banks.
Our Services
We offer a comprehensive suite of financial products tailored to your needs:
Corporate Banking: Project financing, working capital loans, Letters of Credit (LCs), and Letters of Guarantee (LGs) to facilitate domestic and international trade.
Retail Banking: Personal loans, savings accounts, and auto financing designed to help individuals achieve their life goals.
Digital Banking: A secure Mobile App and Internet Banking platform that allows you to manage your finances 24/7.
Trade Finance: As a specialized trade bank, we offer expert advice and instruments to secure your imports and exports.
Network & Presence
Headquartered in Erbil, RT Bank operates a strategic network of branches across key commercial hubs in Iraq, ensuring we are always close to our customers:
Erbil: Head Office (Gulan St.), 100m Branch, Airport Office.
Baghdad: Al-Karrada Branch.
Major Cities: Sulaymaniyah, Duhok, Kirkuk, Basra, and Zakho.