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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	193.37	197.06	185.3	143.86	128.9	136.69
Interest Income on Investments	0.64	0.57	0.76	0.66	0.55	0.51
Total Interest Income	194	197.63	186.06	144.53	129.45	137.2
Interest Paid on Deposits	60.65	62.42	50.71	28.47	20.67	28.78
Net Interest Income	133.35	135.21	135.35	116.06	108.77	108.42
Net Interest Income Growth (YoY)	-0.97%	-0.10%	16.63%	6.69%	0.33%	-7.27%
Gain (Loss) on Sale of Assets	0.11	0.09	0.27	0.07	0.08	0.72
Gain (Loss) on Sale of Investments	0.23	0.16	0.21	0.1	1.07	18.71
Other Non-Interest Income	46.08	34.94	31.68	31.63	29.42	25.64
Total Non-Interest Income	46.42	35.19	32.16	31.8	30.57	45.06
Non-Interest Income Growth (YoY)	40.61%	9.42%	1.12%	4.02%	-32.16%	38.70%
Revenues Before Loan Losses	179.77	170.4	167.51	147.85	139.35	153.48
Provision for Loan Losses	19.06	20.48	14.73	6.43	16.06	31.87
Revenue	160.71	149.92	152.78	141.43	123.29	121.61
Revenue Growth (YoY)	2.74%	-1.87%	8.03%	14.71%	1.38%	-7.01%
Salaries and Employee Benefits	45.39	41.42	35.56	32.86	30.26	30.98
Occupancy Expenses	12.06	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	36.5	32.33	32.76	27.99	23.31	22.88
Total Non-Interest Expense	103.23	94.73	87.38	80.08	71.3	69.47
EBT Excluding Unusual Items	57.48	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	57.32	55.03	65.36	60.93	51.89	52.07
Income Tax Expense	17.8	19.74	20.9	20.37	15.59	16.61
Earnings From Continuing Operations	39.52	35.29	44.46	40.56	36.31	35.47
Minority Interest in Earnings	-0.38	-0.27	-0.43	-0.42	-0.3	0.33
Net Income	39.13	35.02	44.02	40.14	36.01	35.79
Net Income to Common	39.13	35.02	44.02	40.14	36.01	35.79
Net Income Growth	-11.56%	-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)	0.20	0.18	0.22	0.20	0.18	0.18
EPS (Diluted)	0.20	0.18	0.22	0.20	0.18	0.18
EPS Growth	-11.56%	-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	31.06%	35.87%	31.98%	33.43%	30.04%	31.89%

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