Bank al Etihad Balance Sheet

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
Cash & Equivalents	2,034	1,088	835.78	720.92	1,239
Investment Securities	2,927	2,013	1,732	1,456	1,152
Trading Asset Securities	24.67	18.66	26.23	18.42	18.3
Total Investments	2,952	2,032	1,758	1,475	1,171
Gross Loans	6,969	4,841	4,458	4,180	3,510
Allowance for Loan Losses	-514.36	-261.71	-194.09	-171.94	-141.54
Other Adjustments to Gross Loans	-52.37	-23.97	-17.85	-16.35	-16.92
Net Loans	6,402	4,555	4,246	3,991	3,351
Property, Plant & Equipment	148.18	107.67	102.57	94.92	91.13
Goodwill	1.38	1.38	1.38	1.38	1.38
Other Intangible Assets	73.53	28.25	27.15	25.51	26.07
Investments in Real Estate	1.04	-	-	-	-
Accrued Interest Receivable	53.11	34.73	27.1	21.16	14.73
Other Receivables	0.28	0.69	0.31	0.17	0.04
Restricted Cash	463.64	312.79	272.37	248.23	236.65
Other Current Assets	16.79	13.19	13.95	9.97	7.88
Long-Term Deferred Tax Assets	114.8	45.26	37.42	32.82	27.75
Other Real Estate Owned & Foreclosed	148.34	94.28	78.04	52.98	51.3
Other Long-Term Assets	50.52	38.37	19.56	16.62	44.36
Total Assets	12,459	8,351	7,420	6,691	6,263
Accounts Payable	1.64	0.49	0.7	0.65	0.55
Accrued Expenses	30.44	16.52	16.48	15.25	11.24
Interest Bearing Deposits	9,702	6,618	5,784	5,419	5,093
Non-Interest Bearing Deposits	167.91	146.34	178.58	105.45	134.05
Total Deposits	9,870	6,764	5,963	5,524	5,227
Short-Term Borrowings	44.66	-	-	-	-
Current Portion of Long-Term Debt	157.81	3.53	6	3.18	3.18
Current Portion of Leases	3.65	2.75	2.35	2.27	2.13
Current Income Taxes Payable	45.86	36.05	30.87	28.93	21.93
Accrued Interest Payable	79.39	71.65	61.27	40.43	28.65
Other Current Liabilities	366.04	252.95	193.17	121.54	114.51
Long-Term Debt	396.71	277.54	244.7	184.64	126.69
Long-Term Leases	28.93	28.07	28.74	27.41	25.23
Long-Term Unearned Revenue	3.45	2.86	2.76	2.22	1.52
Pension & Post-Retirement Benefits	0.05	-	-	-	-
Long-Term Deferred Tax Liabilities	-	-	-	-	0.16
Other Long-Term Liabilities	422.61	200.97	206.75	179.29	170.08
Total Liabilities	11,459	7,658	6,756	6,131	5,733
Common Stock	325.2	200	200	160	160
Additional Paid-In Capital	177.14	68.21	68.21	80.21	80.21
Retained Earnings	263.8	223.34	205.73	206.35	186.06
Comprehensive Income & Other	84.95	75.13	75.77	6.48	1.74
Total Common Equity	851.1	566.68	549.71	453.05	428.01
Minority Interest	148.98	126.13	113.89	106.99	101.46
Shareholders' Equity	1,000	692.81	663.6	560.04	529.47
Total Liabilities & Equity	12,459	8,351	7,420	6,691	6,263
Total Debt	631.76	311.9	281.8	217.5	157.23
Net Cash (Debt)	1,542	812.17	594.3	535.85	1,109
Net Cash Growth	89.92%	36.66%	10.91%	-51.69%	37.49%
Net Cash Per Share	5.88	4.06	2.97	2.68	5.55
Filing Date Shares Outstanding	325.2	200	200	200	200
Total Common Shares Outstanding	325.2	200	200	200	200
Book Value Per Share	2.40	2.48	2.39	2.27	2.14
Tangible Book Value	776.19	537.06	521.18	426.15	400.56
Tangible Book Value Per Share	2.17	2.33	2.25	2.13	2.00

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