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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	190.73	197.06	185.3	143.86	128.9	136.69
Interest Income on Investments	0.75	0.57	0.76	0.66	0.55	0.51
Total Interest Income	191.49	197.63	186.06	144.53	129.45	137.2
Interest Paid on Deposits	59.42	62.42	50.71	28.47	20.67	28.78
Net Interest Income	132.07	135.21	135.35	116.06	108.77	108.42
Net Interest Income Growth (YoY)	-1.79%	-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	0.48	0.16	0.21	0.1	1.07	18.71
Other Non-Interest Income	52.26	34.94	31.68	31.63	29.42	25.64
Total Non-Interest Income	52.83	35.19	32.16	31.8	30.57	45.06
Non-Interest Income Growth (YoY)	56.70%	9.42%	1.12%	4.02%	-32.16%	38.70%
Revenues Before Loan Losses	184.89	170.4	167.51	147.85	139.35	153.48
Provision for Loan Losses	17.86	20.48	14.73	6.43	16.06	31.87
Revenue	167.03	149.92	152.78	141.43	123.29	121.61
Revenue Growth (YoY)	14.42%	-1.87%	8.03%	14.71%	1.38%	-7.01%
Salaries and Employee Benefits	47.57	41.42	35.56	32.86	30.26	30.98
Occupancy Expenses	12.43	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	37.55	32.33	32.76	27.99	23.31	22.88
Total Non-Interest Expense	106.83	94.73	87.38	80.08	71.3	69.47
EBT Excluding Unusual Items	60.2	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	60.04	55.03	65.36	60.93	51.89	52.07
Income Tax Expense	17.78	19.74	20.9	20.37	15.59	16.61
Earnings From Continuing Operations	42.26	35.29	44.46	40.56	36.31	35.47
Minority Interest in Earnings	-0.4	-0.27	-0.43	-0.42	-0.3	0.33
Net Income	41.87	35.02	44.02	40.14	36.01	35.79
Net Income to Common	41.87	35.02	44.02	40.14	36.01	35.79
Net Income Growth	13.53%	-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)	0.21	0.18	0.22	0.20	0.18	0.18
EPS (Diluted)	0.21	0.18	0.22	0.20	0.18	0.18
EPS Growth	13.53%	-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	29.61%	35.87%	31.98%	33.43%	30.04%	31.89%

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