Arab Jordan Investment Bank (ASE:AJIB)

ASE:AJIB Income Statement

Financials in millions JOD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	140.04	141.71	125.48	99.88	86.52	90.48
Interest Income on Investments	1.69	0.87	0.82	0.45	0.23	0.06
Total Interest Income	141.73	142.58	126.29	100.33	86.75	90.53
Interest Paid on Deposits	83.89	88.6	71.67	46.17	36.98	39.61
Net Interest Income	57.84	53.99	54.63	54.16	49.76	50.92
Net Interest Income Growth (YoY)	6.14%	-1.18%	0.86%	8.83%	-2.27%	16.62%
Gain (Loss) on Sale of Assets	0.06	0.06	0.28	0.01	0	-0.02
Gain (Loss) on Sale of Investments	-	-	0.05	-0.34	0.25	0.18
Other Non-Interest Income	18.27	16.98	17.13	12.73	11.58	11.82
Total Non-Interest Income	17.89	17.04	17.46	12.41	11.83	11.98
Non-Interest Income Growth (YoY)	-3.25%	-2.44%	40.74%	4.88%	-1.27%	-11.24%
Revenues Before Loan Losses	75.73	71.02	72.09	66.57	61.59	62.91
Provision for Loan Losses	6.32	4.56	9.83	2.53	1.19	13.04
Revenue	69.41	66.46	62.26	64.04	60.41	49.87
Revenue Growth (YoY)	8.90%	6.75%	-2.78%	6.00%	21.14%	-9.17%
Salaries and Employee Benefits	21.04	19.95	19.01	17.13	15.38	15.92
Occupancy Expenses	7.03	7.28	6.5	4.54	4.34	4.15
Selling, General & Administrative	3.51	3.51	3.36	3.06	2.68	2.37
Other Non-Interest Expense	13.65	12.87	13.51	11.15	9.9	10.92
Total Non-Interest Expense	44.06	42.43	41.41	35.17	31.9	32.84
EBT Excluding Unusual Items	25.35	24.03	20.85	28.86	28.51	17.02
Other Unusual Items	-	-	7.63	1.53	-	-
Pretax Income	25.44	24.03	28.48	30.4	28.51	17.02
Income Tax Expense	6.64	6.32	8.29	10.92	10.34	5.49
Earnings From Continuing Operations	18.81	17.71	20.19	19.48	18.16	11.54
Minority Interest in Earnings	-1.81	-1.72	-1.61	-1.42	-1.07	-0.72
Net Income	16.99	15.99	18.58	18.06	17.09	10.81
Net Income to Common	16.99	15.99	18.58	18.06	17.09	10.81
Net Income Growth	-3.99%	-13.94%	2.86%	5.67%	58.03%	-27.28%
Basic Shares Outstanding	150	150	150	150	150	150
Diluted Shares Outstanding	150	150	150	150	150	150
EPS (Basic)	0.11	0.11	0.12	0.12	0.11	0.07
EPS (Diluted)	0.11	0.11	0.12	0.12	0.11	0.07
EPS Growth	-3.88%	-13.94%	2.86%	5.67%	58.04%	-27.28%
Dividend Per Share	0.100	0.100	0.100	0.100	0.100	0.100
Dividend Growth	-	-	-	-	-	11.11%
Effective Tax Rate	26.09%	26.31%	29.12%	35.91%	36.28%	32.23%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.