Bank al Etihad Income Statement

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

Millions JOD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	614.31	490.94	430.39	315.77	261.4
Interest Income on Investments	1.8	0.73	1.16	0.69	0.47
Total Interest Income	616.11	491.67	431.55	316.46	261.87
Interest Paid on Deposits	319.45	254.02	217.49	135.12	104.2
Net Interest Income	296.66	237.64	214.06	181.34	157.67
Net Interest Income Growth (YoY)	24.83%	11.02%	18.04%	15.01%	4.11%
Gain (Loss) on Sale of Assets	-0.3	2.33	-0.03	-0.12	-0.02
Gain (Loss) on Sale of Investments	4.02	2.65	1.91	-1.53	2.9
Other Non-Interest Income	112.15	60.25	47.53	47.21	35
Total Non-Interest Income	115.87	65.22	49.41	45.56	37.88
Non-Interest Income Growth (YoY)	77.65%	32.02%	8.44%	20.28%	15.27%
Revenues Before Loan Losses	412.53	302.87	263.47	226.9	195.55
Provision for Loan Losses	194.66	68.65	41.92	34.24	28.89
Revenue	217.87	234.22	221.55	192.66	166.66
Revenue Growth (YoY)	-6.98%	5.72%	14.99%	15.60%	15.62%
Salaries and Employee Benefits	93.85	61.2	57.22	52.54	48.75
Occupancy Expenses	27.5	19.99	19.64	19.75	18.41
Selling, General & Administrative	19.86	15.32	14.17	11.64	4.94
Other Non-Interest Expense	66.48	52.78	40.71	36.12	27.55
Total Non-Interest Expense	209.2	148.44	131.15	120.93	101.33
EBT Excluding Unusual Items	8.66	85.77	90.4	71.73	65.33
Legal Settlements	-	-	-	-	-0.15
Other Unusual Items	75.14	-	-	-	-
Pretax Income	83.81	85.77	90.4	71.73	65.18
Income Tax Expense	-1.48	31.3	32.66	27.93	23.76
Earnings From Continuing Operations	85.28	54.47	57.74	43.8	41.43
Minority Interest in Earnings	-16.3	-12.16	-10.6	-9.47	-8.93
Net Income	68.98	42.31	47.14	34.33	32.5
Preferred Dividends & Other Adjustments	3.79	3.8	-	-	-
Net Income to Common	65.19	38.51	47.14	34.33	32.5
Net Income Growth	63.04%	-10.24%	37.32%	5.62%	37.90%
Basic Shares Outstanding	262	200	200	200	200
Diluted Shares Outstanding	262	200	200	200	200
Shares Change (YoY)	31.21%	-	-	-	-
EPS (Basic)	0.25	0.19	0.24	0.17	0.16
EPS (Diluted)	0.25	0.19	0.24	0.17	0.16
EPS Growth	29.02%	-18.30%	37.32%	5.62%	37.90%
Dividend Per Share	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.