phlip

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About phlip

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  1. Selling IQD 190,233 for US$158 is the same as selling IQD 1 Million for US$830.56 ~ at an exchange rate of 1:1204. At its own officially posted (buying USD) rate of 1:1182, the CBI would pay IQD 1 Million for US$846.02 and IQD 190,233 for US$160.94. Buying IQD 190,233 for only US$158 means there is a built-in profit. Currently, the CBI will buy back IQD at the (selling USD) rate of 1:1184 and so would pay US$844.59 for IQD 1 Million and US$160.65 for IQD 190,233. To sell IQD 190,233 for US$160.65 when it was bought for US$158 means a profit of $2.65 or a 1.68% ROI. Congratulations on a good buy!
  2. It’s no secret that the CBI has voluntarily entered into a Stand By Agreement (SBA) with the IMF until 2019, has renewed its 30 year dinar peg to the dollar, has current US Federal Reserves of approximately $50 Billion and since the summer of 2015 has accepted a number of loans so that it is now on the hook for approximately $7.373 to the IMF, $4.75 Billion to the World Bank, $3.7 Billion to the Fed, $2.34 Billion to the Bank of Japan and $500 Million to the Islamic Development Bank; therefore, in your opinion, if the CBI chooses to RV at 10 cents will this approximately $18.663 Billion worth of international debt be repaid by the CBI at the rate at which it was borrowed (1 dinar = $0.00084) or will the CBI choose to pay off these loans at the new rate where 1 dinar = 10 cents ~ and secondly, in your opinion, will these lenders accept payment with such a deeply discounted USD which the 10 cent RV represents?
  3. Using Mozilla’s Firefox as a browser, I was unable to bypass Firefox security protocol and so could not access Warka Online Banking from Warka Bank’s home page link. Using Microsoft’s Internet Explorer as a browser, I clicked on Warka Bank’s home page link to Online Banking and two tabs popped up. One tab contained the warning about an unsecure connection, but the other tab was a direct link to Warka’s Online Banking and from there I was able log on following Warka’s security protocols and access my accounts. I printed my own Warka online home page and scanned it to a pdf file ready to be attached to a future email if necessary. It shows today’s date, the date of the last time that I logged on, and my current password expiration date. It’s proof of a valid password and an expiration date just in case my password is expired early again. I also printed the page showing my account balances because it shows the new IBAN numbers associated with my Warka USD and IQD account numbers. Very encouraging to (finally) have an International Bank Account Number associated with my Warka account numbers. It points to the idea that in future we may not need a US corresponding bank ~ like Citibank NA ~ but instead may be able to wire funds directly from our Warka accounts to our local accounts using the IBAN numbers. I’m also looking forward to the last six months’ worth of interest due at the end of the year. Compounded monthly adds up quick. Using Google’s Chrome as a browser, I clicked on Warka Bank’s home page Online Banking link and the unsecure connection message popped up; but this message had a button labeled “Advanced”, and I clicked on that. Clicking on the “Advanced” button popped up a further message that had the option to continue ~ labeled (not safe) ~ at the bottom of the page and I clicked on that. From there I was able to access my accounts thru Warka’s Online Banking link. So, it’s my experience that you can get there with Internet Explorer and with Chrome, but not with Firefox. All three connections are still labeled not secure, even when Internet Explorer and Chrome allow you to get there, anyway. However, once you your browser allows you to get there, it seems that you are logging on in a secure environment, anyway ~ despite the warnings.
  4. For at least the last 6 weeks I have been unable to access my Warka account because every time I attempted to log on using Warka’s own Online Banking Link I got an error message from my browser telling me the connection was not secure. Sometimes in the past when I got that message, there was a button to click on which allowed my browser to bypass the warning and connect anyway. Not this time. Apparently, Warka’s own security subscription has run out and they haven’t renewed it yet. After a month, I got tired of waiting and sent an email to Warka. No response for 2 weeks so far. Anybody else having the same problem? Here’s the email I sent: Dear Mr. Mohammad K Issa I cannot access Warka Bank’s Online Banking. Please see the attached copy of the error message I receive when I use this link: https://onlinebanking.warka-bank-iq.com/IBS/index.jsp . Has the address of Warka Bank’s Online Banking link been changed to a more secure address? I will be very grateful for any advice from the Warka Bank Staff on how to overcome this problem. Best Regards Connection is not Secure.pdf
  5. Warka expired my password early too. I sent an e-mail directly to Mohammad K Issa at ifrd@warka-bank-iq.com , with a CC to Ashraf Amr at e-bank@warka-bank-iq.com and a CC to Laith Alamir at e-bank.ms@warka-bank-iq.com I got an email answer back within 48 hours. I sent a Thank You email as a follow up.
  6. Why at this time is Warka bothering to be so pro-active on individual accounts and then at the same time decently responsive to an individual client’s urgent requests for password resets? Why not just go on as unresponsive as they have been in the last 3 – 4 years? IMO, the Warka Bank Staff can see the time coming when the CBI will successfully complete the IMF and UN required transparency tests and therefore be able to start selling CD’s to the Iraqi private banking sector again; which would eventually allow Warka and all the other 30 or so Iraqi private banks to begin selling CD’s to clients, funding MasterCard Accounts, funding and trading with client ISX Accounts, maintaining Letters of Credit, etc. When that flow of funds starts happening, IMO, the next logical step would be for the possibility of first internal and then external transfer of funds. Our ability to transfer USD from our Warka Accounts to our Fed dominated local bank accounts would then depend on the Fed appointing an intermediary US bank to handle all incoming traffic from Warka. Historically, Warka’s USA Correspondent Bank has specifically been the Citibank, NA, New York, NY Branch of the Federal Reserve System. If in the near future the Fed decides that Warka Bank for Investment and Finance can be trusted to have the liquid inventory necessary to service its clients with the transfer of USD’s then perhaps Citibank, NA New York, NY may again be nominated to be Warka’s correspondent bank for the USA. Whatever the case, no correspondent bank means no USD or Euro transfers; so if a person wants to know if Warka is ready to send them some of their own mulla, my advice would be to look for a Warka correspondent bank in their area. The current list can be accessed from Warka’s website homepage. Here’s a link to Warka’s current list of correspondent banks: http://www.warka-bank.com/?427dacca3edd8203f5aceefbb3636d2efc545ea6 All of the correspondent banks listed deal with funds denominated in either USD’s or Euro’s (only) ~ including the two banks in Germany dealing in both USD’s and Euro’s. Meanwhile, right now there is not a single correspondent bank listed on either of the American Continents. Nothing for the Australian Continent and only the two German banks to handle Europe. Even though the two banks in Germany are still listed as Warka correspondent banks, I’m fairly certain that Warka is still not allowing either USD or Euro transfers to either of them. All of the Iraqi private banks (including Warka and a couple of others that deal with foreign clients) are currently under cash shortage restrictions whereby they are limiting withdrawals by local Iraqi clients to only certain percentages of the entire account balances and just to be able to do that they have had to cut off foreign client’s access to funds entirely ~ for now. IMO, it’s still better than finding out that you only have 40% of what you thought you had on balance as happened in Cyprus ~ at one time one of the go to offshore account venues to consider. Also, whatever paid interest percentages have been reduced to by Warka are IMO still better than the best of what is offered in the Fed system and way better than those other banks around the globe offering negative interest on savings accounts.
  7. People around me are having the exact same problem ~ early Warka Online password expiration for no apparent reason ~ and I think it speaks to a woken up Warka Staff making sure that they are thoroughly covered security-wise in the event of fraud or unwanted manipulation of any long unused E-banking Subscriptions. I always print the page showing my new expiration date whenever I change my password or have it changed for me by Warka’s recent manipulations. That way, when Warka expires my password early, I can send an email with a pdf copy of my actual password expiration date on it attached to the transmission and I usually get service restored within 48 hours or less. I’ve had to do that twice since I started my Warka account. If you’ve been caught out with no hard proof of when your actual expiration date is supposed to be, then you might have to be fairly exacting in a brief, polite, email description of a particular problem; so that the Warka Staff can be sure it’s you and not just a hacker trying to gain access. In either case, whether you have a pdf copy of your actual password expiration date to attach to an email or not, I’ve seen similar language to the following two email examples get relatively immediate attention from Warka; especially when sent to Mr. Issa with a CC to Mr. Laith Alamir and Mr. Ashraf Amr at the same time. Send an e-mail directly to Mohammad K Issa at ifrd@warka-bank-iq.com , with a CC to Ashraf Amr at e-bank@warka-bank-iq.com and a CC to Laith Alamir at e-bank.ms@warka-bank-iq.com Make the Subject:Urgent Password Renewal Requested (or similar language) Dear Mr. Mohammed K. Issa, In trying to access my account, I get the message window that says "Your account has expired. Please contact the Bank." On DD-MM-YYYY, I requested a reset password. On DD-MM-YYYY, I received from you the 4 digit password, "XXXX." I then reset my password to my personal password "XXXXXX." My understanding is that my personal password was current for 1 year and that it should not have expired until “DD-MM-YYYY”. I am requesting, please, that my current password be renewed and I will change it to a new one upon restoration, or that a new reset password be sent to my email address. My full name on the account is Your Full Name and my full account number is 0790/0000000/001/2521/000. I am extremely grateful for your kind attention to my accounts. Respectfully, Your Full Name on Account Here’s an example if you’re prepared with a copy of your expiration date. Dear Sirs I have received the bank’s message that my password has expired. Attached to this transmission is a copy of my online Welcome Page from Warka Bank dated DD/MM/YYYY. It shows that my password should expire on DD/MM/YYYY. That is still XX days/weeks/months away from the date of this transmission. Please, kindly restore my current password or send a temporary reset password to my email address. Thank you Best Regards YOUR FULL NAME 0790/0000000/001/2521/000 Please Note: I used bold text and red font color to emphasize importance, but I don’t necessarily recommend using bold text or red font in the actual email that you send.
  8. Finally!! Some really great news from Warka!! Look at Warka Bank’s latest news bulletin published on September 6th: Dear Warka Clients, The Central Bank of Iraq board of directors have agreed to rehabilitate Warka Bank for Investment and Finance in accordance with a set get well plan. This decision has been announced and broadcasted through all Iraqi TV networks. Best regards. Warka Bank for Investment and Finance It’s anybody’s guess how long it will take before the CBI’s “set get well plan” will allow us Warka depositors to withdraw USD’s, or purchase IQD CD’s, or transfer funds between our Warka internal beneficiary accounts or trade on the ISX; but at least the CBI has finally now been publicly committed to totally fixing Warka’s banking reputation and (partial) insolvency. The CBI was ordered to do this two years ago by the Iraqi Financial Supreme Court when Warka won the lawsuit against the CBI for actually causing the Warka insolvency in the first place back in 2010. Meanwhile, Warka has been keeping the doors open in Iraq’s all cash society by reducing the interest paid for CD’s and savings accounts and by allowing local Iraqi clients to withdraw only a fixed percentage of the their account totals. In that way, Warka is no different than the other 30 or so private banks in Iraq who are also doing the exact same thing due to the local cash shortages; and also because of the continual drop in oil prices. That drop in oil prices affects us Warka account holders by way of Warka’s internal exchange rate when converting our IQD back to USD. USD’s in Iraq are getting more precious as Iraq has to pay for the ISIS war in USD’s and the CBI’s USD reserve amount shrinks to compensate. Not as many dollars to go around now; so it costs more IQD to buy USD’s. Warka’s exchange rate when converting IQD back to USD has jumped from 1179 IQD to buy 1 USD up to the current rate of 1190 IQD per USD. All in all, the CBI rehabilitating Warka Bank is great news and I’m looking forward to a time when at least some transactions can get back to normal. To add some background, I found the following article to be a pertinent reminder to all foreign depositors that Warka Bank is not the only financial outfit with liquidity problems in Iraq ~ or in the rest of the world for that matter. IMO, there’s no need to feel picked on with the Warka Customer Service level lately, because the entire Iraqi Private Banking Sector is going through the same cash shortage; and especially with its own Iraqi customers. Here’s the article and its link: Iraq’s private banking sector is having trouble meeting customers’ demands because of liquidity issues, leading to unrest and worry. Some banks are limiting withdrawals to a specific percentage of deposited funds, while others have stopped allowing them altogether. In addition, even funds originally deposited in US dollars can only be withdrawn in Iraqi dinars, according to the Central Bank’s exchange rate. Such procedures confused customers and angered many of those who deal with banks. Overall deposits in one Iraqi bank — whose name cannot be published for legal reasons — did not exceed 2.5 million Iraqi dinars (about $2,000) in an entire workweek, which is a relatively modest figure. When Al-Monitor visited this bank, its lobby was filled with scores of customers demanding their money, and the administration was refusing to allow customers to withdraw all of their funds at once. Umm Ahmad, the mother of four grown children, travels more than 300 miles every Thursday from Basra governorate to Baghdad to make withdrawals from North Bank. She began doing this after the bank stopped allowing withdrawals from its branches in various provinces and limited such transactions to its main branch in the capital. Umm Ahmad seemed stressed as she discussed her situation. She told Al-Monitor that her children need money to emigrate, so she decided to sell their house, give her children half of the proceeds and buy herself a smaller house with the remaining amount of money she had deposited in the bank’s branch in Basra. However, the bank refused to let her make the withdrawal. http://www.iraq-businessnews.com/2015/07/18/banks-refuse-to-ante-up-amid-liquidity-shortage/ US citizens tend to forget that this same universal bank reluctance to give up large amounts of depositors cash to depositors on demand is also prevalent in most US banks. Ask for most or all of your cash from any US bank and you will probably have to endure a grilling by the manager to explain why you have to have the cash instead of a cashier’s check or money order. Truth be told, only about 3% of existing USD’s are actually in Federal Reserve Notes, AKA the US version of cash. The rest is digital. A run for cash on almost any US bank could wipe that bank out or at least cause it to look insolvent. Lots of banks have already been closed in the US and their combined worth has been consolidated to where only 10 of the biggest US banks control over 77% of the wealth within the Fed system. With its massive debt burden, the Federal Reserve System makes the US not so different from Greece or Iraq. IMO, when Warka Bank in Iraq is finally “rehabilitated” up to full service and Warka’s 350 ATM machines are again available for daily use, then the IQD redenomination process (already in progress in Iraq) can start to accelerate. The present cash shortage in Iraq could partially be solved with the issuance of loaded ATM cards instead of the currently circulating large denomination banknotes ~ but only if the cash minded Iraqis will learn to accept the electronic banking system. With its USD cash reserves being used to fight ISIS, and its incoming USD revenue being reduced due to the reduction in the price per barrel, the CBI might not have any choice but to devalue the IQD in the short term in order to keep the IQD at an internationally accepted rate pegged to the USD. In any case, the CBI will be determining the rate of exchange for the IQD and also the volume of how many USD and/or new lower denomination IQD banknotes will be available to load Warka’s ATM machines. Once that base infrastructure of Warka Bank operating at full service is in place it will be far easier for the CBI to announce further progress in the coming IQD/USD rate change.
  9. Even if you have kept up with changing your password every three months for the last two years, you’ll probably get an “account expired, please contact the bank” message at any time so that Warka can re-set your password expiration date out to a year from now. We’ve been sending emails to Ashraf Amr at [email protected]<script cf-hash='f9e31' type="text/javascript"> /* */</script> for years without ever getting a response back. Instead, let’s try sending emails directly to Laith Alamir at [email protected]since that is the guy from the Warka E-banking Department that always responds to Mohammad K Issa from the International Foreign Relations Department at [email protected] Step One ~ send an e-mail directly to Mohammad K Issa at [email protected], with a CC to Laith Alamir at [email protected] Nothing seems guaranteed to work; but at the same time, the shorter the message the better seems to be Warka staff’s preference to answer. Below, are some versions of an email with possible Subject Titles like: Online Access Renewal or Reset Password Request or Reset Password Required … Just copy and paste whichever version you like best. One Dear Mr. Mohammad K. Issa My E-banking Subscription has expired and I’ve had problems changing my previous password. I’m requesting, please, that a reset password be sent to my email address so that I log in to my accounts again. I am extremely grateful for your help with this matter. Thank you for your kind attention to my accounts. Respectfully yours, Your Full Name 0790/0000000/001/2521/000 Two Dear Mr. Mohammad K. Issa: I can no longer use my Warka login password. I would like to request that a reset password to my email address so that I might be able to log in to my account again. I apologize for any inconvenience that this request might cause to your schedule and I will be extremely grateful for any help you are able to give me in this matter. Thank you very much. Warmest Regards, Your Full Name 0790/0000000/001/2521/000 Three Dear Mr. Mohammad K Issa: My E-banking Subscription has expired and I now have problems using my password. I would very much like to login to my account again. At your earliest convenience, I would like to request, please, that a reset password be sent to my email address, so that I may use it to login and change it to my own password. I apologize for any inconvenience at all that this request might cause to your busy schedule and I am extremely grateful for any help you are able to give me in this matter. Thank you very much for your time. Respectfully and with Warmest Regards, Your Full Name 0790/0000000/001/2521/000 Four Subject: Password Reset Dear Mr. Mohammad K Issa, I would like to request that a reset password for my Warka Savings Account be sent to my email address. I have not been able to view my account for some time due to password problems. Thank you. Your Full Name 0790/0000000/001/2521/000 The key to progress in getting an answer back from Warka is that as you attempt to log-in every day, eventually the message will change from “account expired, please contact the bank” to “wrong password”. When that happens you’ll know that Warka has stepped in and switched off your old password and is getting ready to furnish you with another one. Look for the email with a new password within a week or so.
  10. Since the Warka log-in page has been repaired and now functions properly, I was able to log in to my Warka Account using the temporary password that Laith Alamir of Warka’s E-banking Department sent to Mohammad K Issa who sent it to me. I immediately printed that 1st Homepage to my Warka Accounts because it clearly shows that last date that I logged in to my account, plus my new password expiration date. Then I clicked on Inquiries so that I could click on the Internet Statement button. I viewed and printed a statement for both my IQD and my USD account showing all activity over the past 40 days. IQD interest came in at 2.5% for 6 months, giving an expected Annual Compounded Net of 5% USD interest came in at 1.0% for 6 months, giving an expected Annual Compounded Net of 2% Since we still can’t move excess dollars into our IQD accounts under the Wire Transfers option (which is usually a button under the Inquiries button), I felt that printing those pages was the best I could do to verify the accounts now as still being active. I clicked on Maintain Clients Information and changed my temporary Warka issued password back to my own and logged out. Have logged in several times since ~ just for drill. I certainly noticed that my new password expiration date is a year away now, instead of just 3 months like it has been lately and I'm happy about that. Of course, I can change it any time and get another year later expiration date, but I like that I don’t have to for at least a year if things turn out that way.
  11. Can’t Quite Use My New Password From Warka ~ Yet. Have you been able to confirm that 6 months interest has been deposited to your Warka Accounts? My latest Warka password was due to expire on June 23rd, so on June 21st I logged in to my account, changed the password to a new one and logged out. When I logged in again to validate the new password, I made sure to print my Warka Homepage, which clearly shows that my next password expiration date will be September 21st. On June 29th I attempted to log in to my accounts to check if any interest had been deposited early, but I was unable to; and instead got that same message everybody else seems to be getting nowadays from Warka: “account expired, please contact the bank”. On July 4th I sent an e-mail to Mr. Issa requesting his help in re-setting my password back to what I recently changed it to in order to get this latest September 21st expiration date. I marked the 9/21/15 date on my printed Warka Homepage with red ink, scanned it into a pdf file and attached it to the email I sent to Mr. Issa just to be sure there was no doubt that my account had expired 3 months earlier than it was supposed to. I also CC’d that same email, along with the pdf attachment, to Ashraf Amr in Warka’s E-banking Department ~ as per the protocol requested on the Warka website. Since June 29th I’ve attempted to log in everyday, but kept getting that same “account expired” message ~ until July 6th. On July 6th, when I tried to log in to see if Mr. Issa had done anything about my password without telling me about it, I got the message that said “wrong password”. So, now my latest (valid) password and any previous passwords no longer worked ~ even just to log in temporarily long enough to change to an even newer password. It’s as if I never had a password at all, and I became completely at the mercy of Warka Bank Staff answering my e-mails (or not) when I asked for a reset password. The anxiety about whether or not I was ever going to get an answer to my email will, unfortunately, always be a little bit there; but to have a proven password go from providing valid access, to getting the message “account has expired, please contact the bank” to getting the message “wrong password” in just 2 short weeks was even more disconcerting. It’s especially curious that this should happen for no apparent reason just as our 6 months of compounded interest is due. Despite coming from a position of having positive proof (via a time dated hard copy printed page showing that I had indeed complied with renewing my password inside of the 3 month time limit), I still seem to have to undergo what feels like a random security check by Warka to keep the onus of re-confirming who I am on me. It also feels like I have to keep proving to Warka that I’m still interested enough in the savings account amounts (plus the continually compounded interest being deposited) to keep chasing my only access to those funds by way of an active password. Whatever the case, I’m certainly not going to give up on that dough, which I’ve tried to help grow with fairly significant Certificates of Deposit ~ when those were still available. In the past, I’ve experienced the ability to wire funds to and from Warka; along with a relatively robust net growth from the CD’s and I’m not ready to abandon that same offshore account possibility becoming a reality again. Not yet, anyway. On July 9th I got a reply email with my new temporary password from Laith Alamir in Warka’s E-banking Department only 5 business days after emailing the original request. Note: use (e-bank.ms) instead of just (e-bank) for his Warka email address. From the connected e-mail chain I received, I can see that Mr. Issa simply forwarded my 1st email to Laith Alamir (with a CC to me); and then, Laith Alamir designated a new online password for me and replied back to Mr. Issa’s email with it. Mr. Issa then replied back to my 1st email with the whole chain attached; including my new (temporary) online password. Of course, I immediately tried to log in to use the temporary password that Laith Alamir sent me in order to change back to my own password and to check my interest deposits; and of course, the Warka online access first page was just being revised and didn’t work enough to get me properly to the next step in the log-in security process. The revision Warka is doing seems to be that they are trying to provide the General Security Disclaimer (the first page that everyone comes to at the very start of the on line security protocol for logging in to a Warka account) in both English and Arabic; instead of just in Arabic. I guess I’ll just have to wait until they are finished with their latest on–line access revision before I can actually get in there, change my password and verify that my accounts have grown another 3% over the last six months. I wonder how many Warka account holders have experienced this same untimely message routine just recently. I wonder how many Warka account holders have been able to access their accounts at any time after June 30th 2015 and have also actually witnessed 6 months’ worth of interest being deposited ~ just like last year at this time and just like six months ago. IMO, it seems as though that right now sharing (detailed) knowledge on how to get a reset password from Warka is one of the most important things to consider to help any and all Warka Account holders; especially because there doesn’t seem to be any legitimate reason/cause for suddenly getting locked out of a Warka Account. It can happen any time to anyone. Below is the English translation of the General Security Disclaimer on the very first page of the current Warka online security protocol. You’re supposed to read it and then click that you agree with the disclaimer before being allowed to proceed to the 2nd page of the current Warka online security protocol ~ which asks for Client ID and a repeat of an encrypted 4 digit code being displayed. That page currently doesn’t display the encrypted 4 digit code; and so, just at the time I tried to log-in I couldn’t quite proceed with the process. Gee, what are the chances, eh? Warka’s General Security Disclaimer sounds pretty standard for all online accounts nowadays, including foreign, but IMO it still pays to periodically review standard banking security protocol which is certainly expected of grown-ups managing legitimate overseas accounts on line. Anyway, here it is: In addition to the strict security measures our Internet Banking Service applies, you have a critical role to play in protecting the privacy of your account information and safeguarding your money. We wish to draw your attention to the following tips to ensure utmost privacy and confidentiality of your online Banking experience. Select a user name and password that are difficult for others to guess. Do not associate your password with anything personal such as birthdays, names, phone numbers or other familiar words or numbers. Choose password that contains letters, numbers and special characters. Change your password on a regular basis. Keep your personal and / or banking information (e.g. User name, password, Credit card number,... etc) confidential. Your PIN / Password should be memorized and not recorded anywhere. Avoid accessing Internet Banking Service from Internet Cafes or public places. You should always be careful when receiving unsolicited emails asking you to disclose any personal or banking details. Warka Bank will never ask you for such details (e.g. User name, password, Credit card number,... etc) through email. If you receive such a request, do not respond and please report it to us immediately. To access Warka Bank Internet Banking Service, use the Logon button on the homepage. Never follow a link received by email to access the Internet Banking Service. Whenever you log on to Internet Banking, verify the last access date & time displayed at the left corner on the top of the page. Always remember to log out using the "Log Off" and never leave the PC unattended when logged on. When logging on to Warka Bank Internet Banking site, look for the Security Certificate before entering the User name & Password. To view the security certificate, click on the "lock" icon at the bottom of the page if you are using Internet Explorer. For Netscape browser users, you can view the certificate by selecting Security Info under Communicator - Tools. Check your account balances and statements regularly to ensure your accounts have not been accessed by anyone else and to identify any unusual transactions. Beware of emails offering you the chance to make easy money in exchange of services & / or using your account to transfer large amounts to. Do business only with companies / individuals you know and trust. This is not a comprehensive list of security measures, it is an advisory note issued to increase your security awareness without any liability whatsoever on the Bank. Hopefully, when I’m able to log in again, the new password will still be valid and I’ll be back in business without a hitch, but only time will tell. All in all I’m certainly gratified to get a responsible, timely email reply back from Warka; especially when I’ve put in a legitimate request. As anyone with a Warka account can testify, it doesn’t always turn out that way.
  12. I’ve been sending emails to Ashraf Amr at e-bank@warka-bank-iq.com for years without ever getting a response back. Maybe by sending emails directly to Laith Alamir at e-bank.ms@warka-bank-iq.com I would have had a better experience. I just retrieved this comment (directly below) from a forum at Dinar Vets and it shows a simplistic approach to trying to restore a password in order to access a Warka Savings Account on-line: Hello All Please see my latest response from Warka regarding my online account. I sent an e-mail to the e-bank 2 weeks prior with no response...so I sent one to Mohammad Issa directly and this response came right away. I have since sent some e-mails that I have not gotten a reply. I have not sent the funds withdrawal authorization form in years. I just send them an e-mail and they give me access...no funds withdrawn that I can tell...although their online banking is rather vague. I don't know if any of you have/had stocks through Warka Bank or not. Before they were shown in my online banking, but not anymore...This makes me wonder if I still own stocks or not. This is what I have not been able to get an answer on yet... Anyway, please notice the address below from laith alamir...if you have not tried this one, you might try it directly. I hope this helps! From: laith alamir <[email protected]> Date: Tue, 9 Sep 2014 11:21:15 +0300 To: Mohammad Kamal <[email protected]> Subject: RE: Online access renewal Dear Sir, The new online password is: **** Please note that the online link is: https://onlinebanking.warka-bank-iq.com/IBS/index.jsp For any further questions or inquiries regarding your online account please have the client contact the e-banking team [email protected]and we will provide our full cooperation and support. E-banking Department Warka Bank for Investment and Finance Whatever the case, it certainly appears that all communications with Warka are definitely not dead yet. Below, you can see a few versions of a similar reset password request that could be tweaked to contain your own personal information and then sent to Warka. Perhaps, anybody still needing a password from Warka might try the following method ~ or some original version that might get the job done. Step One ~ send an email directly to [email protected] just as all the standard messages from Warka and from Warka’s website encourage us to do. No CC to anybody. Wait about (2) weeks for any response but, at the same time, try not to expect a direct response from Warka e-banking because to my knowledge, it’s never happened. Step Two ~ send an e-mail directly to Laith Alamir at [email protected] with a CC to [email protected] . Wait about one week for a response. Step Three ~ send an e-mail directly to Mohammad Issa at ifrd@warka-bank-iq.com with a CC to both E-bank and Laith at [email protected] and [email protected]~ or some such similar version of events that gets the job done. Nothing seems guaranteed to work; but at the same time, the shorter the message the better seems to be Warka staff’s preference to answer. Here are some versions of an email with possible Subject Titles like: Online Access Renewal or Reset Password Request or something like that. One Dear Sirs: My E-banking Subscription has expired and I’ve had problems changing my previous password. Please, send a reset password to my email address so that I log in to my account. I apologize for any inconvenience at all that this request might cause to your busy schedule and I will be extremely grateful for any help you are able to give me in this matter. Thank you very much for your time. Respectfully, Your Full Name 0790/0000000/001/2521/000 Two Dear Sirs: I can no longer use my Warka login password. Please, send a reset password to my email address so that I log in to my account. I apologize for any inconvenience that this request might cause to your schedule and I will be extremely grateful for any help you are able to give me in this matter. Thank you very much. Warmest Regards, Your Full Name 0790/0000000/001/2521/000 Three Dear Mr. Issa: My E-banking Subscription has expired and I now have problems using my password. I would very much like to login to my account again. At your earliest convenience, please ask your Warka E-banking Department to send a reset password to my email address, so that I may use it to login and change it to my own password. I apologize for any inconvenience at all that this request might cause to your busy schedule and I am extremely grateful for any help you are able to give me in this matter. Thank you very much for your time. Respectfully and with Warmest Regards, Your Full Name 0790/0000000/001/2521/000 Four Password Reset Dear Sir, I would like to request that a reset password for my Warka Savings Account be sent to my email address. I have not been able to view my account for some time due to password problems. Thank you. Your Full Name 0790/0000000/001/2521/000
  13. Adam, it seems to me that yendor asked an excellent question and as a follow up I would like to point out that before there can be any sudden, unannounced, significant RV of the IQD, the CBI will have to have a solid sustainable electronic banking network already in place with cards and ATM machines; and if that is true, then that would definitely have to include Warka Bank with its (largest in Iraq) footprint of 120 branches and 350 ATM machines. The CBI have already stopped the daily auctions in favor of electronic banking so my question is do you agree or disagree that Warka Bank should first be restored to full daily operations before a significant IQD RV can fully succeed?
  14. IQD 5 Trillion against US$440 billion is an exchange rate of 1:1136 or US$0.0008802 per IQD 1 or US$880.20 per IQD Million. That rate is appreciatively stronger against the USD by (1166 – 1136) / 1166. That’s an uptick of approximately 2.57% and might very well be the new rate displayed soon on the CBI home page.
  15. TPSprayduster I really doubt if your IQD300K (US$257.29) is gone or lost. Whenever Warka gets up and running again you can internally transfer the 300K back to IQD Savings and close the current/checking account in favor of a pre-paid MasterCard or some other (wire transfer) vehicle for recovering USD.