Bank of Jordan (ASE:BOJX)

Bank of Jordan Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	197.06	185.3	143.86	128.9	136.69
Interest Income on Investments	0.57	0.76	0.66	0.55	0.51
Total Interest Income	197.63	186.06	144.53	129.45	137.2
Interest Paid on Deposits	62.42	50.71	28.47	20.67	28.78
Net Interest Income	135.21	135.35	116.06	108.77	108.42
Net Interest Income Growth (YoY)	-0.10%	16.63%	6.69%	0.33%	-7.27%
Gain (Loss) on Sale of Assets	0.09	0.27	0.07	0.08	0.72
Gain (Loss) on Sale of Investments	0.16	0.21	0.1	1.07	18.71
Other Non-Interest Income	34.94	31.68	31.63	29.42	25.64
Total Non-Interest Income	35.19	32.16	31.8	30.57	45.06
Non-Interest Income Growth (YoY)	9.42%	1.12%	4.02%	-32.16%	38.70%
Revenues Before Loan Losses	170.4	167.51	147.85	139.35	153.48
Provision for Loan Losses	20.48	14.73	6.43	16.06	31.87
Revenue	149.92	152.78	141.43	123.29	121.61
Revenue Growth (YoY)	-1.87%	8.03%	14.71%	1.38%	-7.01%
Salaries and Employee Benefits	41.42	35.56	32.86	30.26	30.98
Occupancy Expenses	11.44	11.23	10.74	10.5	9.25
Selling, General & Administrative	9.5	7.88	8.66	7.5	6.71
Other Non-Interest Expense	32.33	32.76	27.99	23.31	22.88
Total Non-Interest Expense	94.73	87.38	80.08	71.3	69.47
EBT Excluding Unusual Items	55.18	65.4	61.35	51.99	52.15
Legal Settlements	-0.16	-0.04	-0.42	-0.1	-0.07
Pretax Income	55.03	65.36	60.93	51.89	52.07
Income Tax Expense	19.74	20.9	20.37	15.59	16.61
Earnings From Continuing Operations	35.29	44.46	40.56	36.31	35.47
Minority Interest in Earnings	-0.27	-0.43	-0.42	-0.3	0.33
Net Income	35.02	44.02	40.14	36.01	35.79
Net Income to Common	35.02	44.02	40.14	36.01	35.79
Net Income Growth	-20.46%	9.68%	11.47%	0.60%	-10.88%
Basic Shares Outstanding	200	200	200	200	200
Diluted Shares Outstanding	200	200	200	200	200
EPS (Basic)	0.18	0.22	0.20	0.18	0.18
EPS (Diluted)	0.18	0.22	0.20	0.18	0.18
EPS Growth	-20.46%	9.68%	11.47%	0.60%	-10.88%
Dividend Per Share	0.180	0.180	0.180	0.180	0.120
Dividend Growth	0%	0%	0%	50.00%	-33.33%
Effective Tax Rate	35.87%	31.98%	33.43%	30.04%	31.89%

Source: S&P Capital IQ. Banks template. Financial Sources.