Capital Bank of Jordan (ASE:CAPL)

Capital 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	487.76	474.72	427.45	320.51	180.72	130.29
Interest Income on Investments	1.36	1.37	1.75	0.36	0.34	0.23
Total Interest Income	489.12	476.09	429.2	320.87	181.06	130.52
Interest Paid on Deposits	250.61	264.68	249.17	161.36	78.71	61.22
Net Interest Income	238.51	211.42	180.03	159.51	102.34	69.3
Net Interest Income Growth (YoY)	12.78%	17.44%	12.86%	55.85%	47.67%	25.72%
Gain (Loss) on Sale of Investments	0.01	0.03	0.01	-1.03	0.02	1.07
Other Non-Interest Income	196.38	191.44	166.86	52.09	35.9	40.29
Total Non-Interest Income	196.39	191.47	166.88	51.06	35.92	41.36
Non-Interest Income Growth (YoY)	2.11%	14.73%	226.83%	42.14%	-13.14%	7.32%
Revenues Before Loan Losses	434.9	402.89	346.91	210.57	138.27	110.66
Provision for Loan Losses	31.63	44.24	73.47	28.62	20.72	24.55
Revenue	403.27	358.64	273.44	181.94	117.55	86.12
Revenue Growth (YoY)	26.07%	31.16%	50.29%	54.78%	36.50%	-0.62%
Salaries and Employee Benefits	73.1	66.86	54.27	49.11	32.74	21.51
Occupancy Expenses	34.09	31.21	23.65	15.32	10.28	6.35
Selling, General & Administrative	13.54	13.54	14.03	9.61	4.32	3.64
Other Non-Interest Expense	49.82	52.79	43.5	36.89	24.17	15.3
Total Non-Interest Expense	175.58	168.04	145.95	109.65	72.13	46.9
EBT Excluding Unusual Items	227.69	190.61	127.49	72.29	45.42	39.21
Legal Settlements	-4.99	-4.99	-	-0.1	-0.06	-0.03
Other Unusual Items	-	-	-	25.51	28.08	-1.18
Pretax Income	222.7	185.61	127.49	96.94	70.74	38.01
Income Tax Expense	30.24	25.48	20.89	6.09	9.73	7.71
Earnings From Continuing Operations	192.46	160.14	106.59	90.85	61.01	30.3
Minority Interest in Earnings	-63.54	-52.19	-34.74	-4.03	17.81	-4.35
Net Income	128.92	107.95	71.85	86.82	78.81	25.96
Net Income to Common	128.92	107.95	71.85	86.82	78.81	25.96
Net Income Growth	57.07%	50.23%	-17.24%	10.16%	203.64%	3.41%
Basic Shares Outstanding	263	263	263	226	200	200
Diluted Shares Outstanding	263	263	263	226	200	200
Shares Change (YoY)	-	-	16.44%	12.95%	-	-
EPS (Basic)	0.49	0.41	0.27	0.38	0.39	0.13
EPS (Diluted)	0.49	0.41	0.27	0.38	0.39	0.13
EPS Growth	57.07%	50.23%	-28.92%	-2.47%	203.64%	3.41%
Dividend Per Share	0.150	0.150	0.150	0.170	0.150	0.120
Dividend Growth	-	-	-11.77%	13.33%	25.00%	-
Effective Tax Rate	13.58%	13.73%	16.39%	6.28%	13.75%	20.27%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.