Bank al Etihad (ASE:ETHD)

Bank al Etihad Income Statement

Financials in millions JOD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	681.45	614.31	490.94	430.39	315.77	261.4
Interest Income on Investments	3.32	1.8	0.73	1.16	0.69	0.47
Total Interest Income	684.77	616.11	491.67	431.55	316.46	261.87
Interest Paid on Deposits	361.9	319.45	254.02	217.49	135.12	104.2
Net Interest Income	322.87	296.66	237.64	214.06	181.34	157.67
Net Interest Income Growth (YoY)	32.11%	24.83%	11.02%	18.04%	15.01%	4.11%
Gain (Loss) on Sale of Assets	18.7	-0.3	2.33	-0.03	-0.12	-0.02
Gain (Loss) on Sale of Investments	4.89	4.02	2.65	1.91	-1.53	2.9
Other Non-Interest Income	127.27	112.15	60.25	47.53	47.21	35
Total Non-Interest Income	150.86	115.87	65.22	49.41	45.56	37.88
Non-Interest Income Growth (YoY)	118.54%	77.65%	32.02%	8.44%	20.28%	15.27%
Revenues Before Loan Losses	473.74	412.53	302.87	263.47	226.9	195.55
Provision for Loan Losses	215.7	194.66	68.65	41.92	34.24	28.89
Revenue	258.03	217.87	234.22	221.55	192.66	166.66
Revenue Growth (YoY)	8.00%	-6.98%	5.72%	14.99%	15.60%	15.62%
Salaries and Employee Benefits	103.32	93.85	61.2	57.22	52.54	48.75
Occupancy Expenses	30.17	27.5	19.99	19.64	19.75	18.41
Selling, General & Administrative	20.09	19.86	15.32	14.17	11.64	4.94
Other Non-Interest Expense	70.43	66.48	52.78	40.71	36.12	27.55
Total Non-Interest Expense	226.44	209.2	148.44	131.15	120.93	101.33
EBT Excluding Unusual Items	31.59	8.66	85.77	90.4	71.73	65.33
Legal Settlements	-	-	-	-	-	-0.15
Other Unusual Items	75.14	75.14	-	-	-	-
Pretax Income	106.74	83.81	85.77	90.4	71.73	65.18
Income Tax Expense	-2.09	-1.48	31.3	32.66	27.93	23.76
Earnings From Continuing Operations	108.83	85.28	54.47	57.74	43.8	41.43
Minority Interest in Earnings	-18.53	-16.3	-12.16	-10.6	-9.47	-8.93
Net Income	90.29	68.98	42.31	47.14	34.33	32.5
Preferred Dividends & Other Adjustments	3.79	3.79	3.8	-	-	-
Net Income to Common	86.5	65.19	38.51	47.14	34.33	32.5
Net Income Growth	106.91%	63.04%	-10.24%	37.32%	5.62%	37.90%
Basic Shares Outstanding	291	262	200	200	200	200
Diluted Shares Outstanding	291	262	200	200	200	200
Shares Change (YoY)	42.35%	31.21%	-	-	-	-
EPS (Basic)	0.30	0.25	0.19	0.24	0.17	0.16
EPS (Diluted)	0.30	0.25	0.19	0.24	0.17	0.16
EPS Growth	52.53%	29.02%	-18.30%	37.32%	5.62%	37.90%
Dividend Per Share	0.100	0.100	0.100	0.100	0.080	0.080
Dividend Growth	-	-	-	25.00%	-	-
Effective Tax Rate	-	-	36.49%	36.13%	38.94%	36.45%

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