Bank of Jordan (ASE:BOJX)

Bank of Jordan 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	196.45	197.06	185.3	143.86	128.9	136.69
Interest Income on Investments	0.63	0.57	0.76	0.66	0.55	0.51
Total Interest Income	197.08	197.63	186.06	144.53	129.45	137.2
Interest Paid on Deposits	61.6	62.42	50.71	28.47	20.67	28.78
Net Interest Income	135.48	135.21	135.35	116.06	108.77	108.42
Net Interest Income Growth (YoY)	1.66%	-0.10%	16.63%	6.69%	0.33%	-7.27%
Gain (Loss) on Sale of Assets	0.09	0.09	0.27	0.07	0.08	0.72
Gain (Loss) on Sale of Investments	0.13	0.16	0.21	0.1	1.07	18.71
Other Non-Interest Income	38.35	34.94	31.68	31.63	29.42	25.64
Total Non-Interest Income	38.57	35.19	32.16	31.8	30.57	45.06
Non-Interest Income Growth (YoY)	19.48%	9.42%	1.12%	4.02%	-32.16%	38.70%
Revenues Before Loan Losses	174.05	170.4	167.51	147.85	139.35	153.48
Provision for Loan Losses	18.25	20.48	14.73	6.43	16.06	31.87
Revenue	155.8	149.92	152.78	141.43	123.29	121.61
Revenue Growth (YoY)	1.24%	-1.87%	8.03%	14.71%	1.38%	-7.01%
Salaries and Employee Benefits	43.92	41.42	35.56	32.86	30.26	30.98
Occupancy Expenses	11.77	11.44	11.23	10.74	10.5	9.25
Selling, General & Administrative	9.5	9.5	7.88	8.66	7.5	6.71
Other Non-Interest Expense	34.15	32.33	32.76	27.99	23.31	22.88
Total Non-Interest Expense	99.39	94.73	87.38	80.08	71.3	69.47
EBT Excluding Unusual Items	56.41	55.18	65.4	61.35	51.99	52.15
Legal Settlements	-0.16	-0.16	-0.04	-0.42	-0.1	-0.07
Pretax Income	56.25	55.03	65.36	60.93	51.89	52.07
Income Tax Expense	20.07	19.74	20.9	20.37	15.59	16.61
Earnings From Continuing Operations	36.19	35.29	44.46	40.56	36.31	35.47
Minority Interest in Earnings	-0.25	-0.27	-0.43	-0.42	-0.3	0.33
Net Income	35.93	35.02	44.02	40.14	36.01	35.79
Net Income to Common	35.93	35.02	44.02	40.14	36.01	35.79
Net Income Growth	-17.80%	-20.46%	9.68%	11.47%	0.60%	-10.88%
Basic Shares Outstanding	200	200	200	200	200	200
Diluted Shares Outstanding	200	200	200	200	200	200
EPS (Basic)	0.18	0.18	0.22	0.20	0.18	0.18
EPS (Diluted)	0.18	0.18	0.22	0.20	0.18	0.18
EPS Growth	-18.08%	-20.46%	9.68%	11.47%	0.60%	-10.88%
Dividend Per Share	0.180	0.180	0.180	0.180	0.180	0.120
Dividend Growth	-	-	-	-	50.00%	-33.33%
Effective Tax Rate	35.68%	35.87%	31.98%	33.43%	30.04%	31.89%

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