Bank al Etihad (ASE:ETHD)

Bank al Etihad 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	560.23	490.94	430.39	315.77	261.4	253.5
Interest Income on Investments	1.27	0.73	1.16	0.69	0.47	0.62
Total Interest Income	561.5	491.67	431.55	316.46	261.87	254.12
Interest Paid on Deposits	289.41	254.02	217.49	135.12	104.2	102.66
Net Interest Income	272.09	237.64	214.06	181.34	157.67	151.45
Net Interest Income Growth (YoY)	19.37%	11.02%	18.04%	15.01%	4.11%	10.17%
Gain (Loss) on Sale of Assets	2.33	2.33	-0.03	-0.12	-0.02	-0.2
Gain (Loss) on Sale of Investments	2.84	2.65	1.91	-1.53	2.9	2.44
Other Non-Interest Income	85.74	60.25	47.53	47.21	35	30.62
Total Non-Interest Income	90.9	65.22	49.41	45.56	37.88	32.86
Non-Interest Income Growth (YoY)	41.23%	32.02%	8.44%	20.28%	15.27%	-4.17%
Revenues Before Loan Losses	362.99	302.87	263.47	226.9	195.55	184.31
Provision for Loan Losses	194.43	68.65	41.92	34.24	28.89	40.18
Revenue	168.56	234.22	221.55	192.66	166.66	144.14
Revenue Growth (YoY)	-25.80%	5.72%	14.99%	15.60%	15.62%	-6.68%
Salaries and Employee Benefits	73.46	61.2	57.22	52.54	48.75	44.16
Occupancy Expenses	24.32	19.99	19.64	19.75	18.41	18.01
Selling, General & Administrative	15.34	15.32	14.17	11.64	4.94	5.07
Other Non-Interest Expense	76.87	52.78	40.71	36.12	27.55	29.96
Total Non-Interest Expense	188.5	148.44	131.15	120.93	101.33	97.17
EBT Excluding Unusual Items	-19.94	85.77	90.4	71.73	65.33	46.97
Legal Settlements	-	-	-	-	-0.15	-0.06
Pretax Income	60.99	85.77	90.4	71.73	65.18	46.91
Income Tax Expense	-12.82	31.3	32.66	27.93	23.76	16.86
Earnings From Continuing Operations	73.81	54.47	57.74	43.8	41.43	30.04
Minority Interest in Earnings	-15.42	-12.16	-10.6	-9.47	-8.93	-6.48
Net Income	58.38	42.31	47.14	34.33	32.5	23.57
Net Income to Common	58.38	42.31	47.14	34.33	32.5	23.57
Net Income Growth	45.03%	-10.24%	37.32%	5.62%	37.90%	-25.45%
Basic Shares Outstanding	231	200	200	200	200	200
Diluted Shares Outstanding	231	200	200	200	200	200
Shares Change (YoY)	15.48%	-	-	-	-	-
EPS (Basic)	0.25	0.21	0.24	0.17	0.16	0.12
EPS (Diluted)	0.25	0.21	0.24	0.17	0.16	0.12
EPS Growth	25.59%	-10.24%	37.32%	5.62%	37.90%	-25.45%
Dividend Per Share	0.100	0.100	0.100	0.080	0.080	0.080
Dividend Growth	-	-	25.00%	-	-	-
Effective Tax Rate	-	36.49%	36.13%	38.94%	36.45%	35.95%

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