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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	469.03	427.45	320.51	180.72	130.29	114.73
Interest Income on Investments	1.51	1.75	0.36	0.34	0.23	0.23
Total Interest Income	470.53	429.2	320.87	181.06	130.52	114.96
Interest Paid on Deposits	259.05	249.17	161.36	78.71	61.22	59.83
Net Interest Income	211.48	180.03	159.51	102.34	69.3	55.12
Net Interest Income Growth (YoY)	17.84%	12.86%	55.86%	47.67%	25.72%	5.04%
Gain (Loss) on Sale of Investments	0.06	0.01	-1.03	0.02	1.07	0.91
Other Non-Interest Income	192.28	166.86	52.09	35.9	40.29	37.62
Total Non-Interest Income	192.34	166.88	51.06	35.92	41.36	38.54
Non-Interest Income Growth (YoY)	45.80%	226.83%	42.14%	-13.14%	7.32%	38.34%
Revenues Before Loan Losses	403.82	346.91	210.57	138.27	110.66	93.66
Provision for Loan Losses	83.95	73.47	28.62	20.72	24.55	7.01
Revenue	319.87	273.44	181.94	117.55	86.12	86.65
Revenue Growth (YoY)	30.29%	50.29%	54.78%	36.50%	-0.62%	8.92%
Salaries and Employee Benefits	60.84	54.27	49.11	32.74	21.51	23.49
Occupancy Expenses	30.32	23.65	15.32	10.28	6.35	6.06
Selling, General & Administrative	14.03	14.03	9.61	4.32	3.64	3.43
Other Non-Interest Expense	55.99	43.5	36.89	24.17	15.3	14.66
Total Non-Interest Expense	169.28	145.95	109.65	72.13	46.9	49.42
EBT Excluding Unusual Items	150.59	127.49	72.29	45.42	39.21	37.23
Legal Settlements	-2.54	-	-0.1	-0.06	-0.03	-0.1
Other Unusual Items	-	-	25.51	28.08	-1.18	-
Pretax Income	148.04	127.49	96.94	70.74	38.01	37.13
Income Tax Expense	13.95	20.89	6.09	9.73	7.71	8.31
Earnings From Continuing Operations	134.1	106.59	90.85	61.01	30.3	28.82
Minority Interest in Earnings	-52.02	-34.74	-4.03	17.81	-4.35	-3.72
Net Income	82.08	71.85	86.82	78.81	25.96	25.1
Net Income to Common	82.08	71.85	86.82	78.81	25.96	25.1
Net Income Growth	12.72%	-17.24%	10.16%	203.64%	3.41%	-18.50%
Basic Shares Outstanding	263	263	226	200	200	200
Diluted Shares Outstanding	263	263	226	200	200	200
Shares Change (YoY)	0.64%	16.44%	12.95%	-	-	-
EPS (Basic)	0.31	0.27	0.38	0.39	0.13	0.13
EPS (Diluted)	0.31	0.27	0.38	0.39	0.13	0.13
EPS Growth	12.01%	-28.92%	-2.47%	203.64%	3.41%	-18.50%
Dividend Per Share	0.150	0.150	0.170	0.150	0.120	-
Dividend Growth	-11.76%	-11.76%	13.33%	25.00%	-	-
Effective Tax Rate	9.42%	16.39%	6.28%	13.75%	20.27%	22.39%

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