Bank al Etihad Income Statement

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

Millions JOD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	749.26	614.31	490.94	430.39	315.77	261.4
Interest Income on Investments	5.01	1.8	0.73	1.16	0.69	0.47
Total Interest Income	754.27	616.11	491.67	431.55	316.46	261.87
Interest Paid on Deposits	406.18	319.45	254.02	217.49	135.12	104.2
Net Interest Income	348.08	296.66	237.64	214.06	181.34	157.67
Net Interest Income Growth	39.06%	24.83%	11.02%	18.04%	15.01%	4.11%
Gain (Loss) on Sale of Assets	-0.3	-0.3	2.33	-0.03	-0.12	-0.02
Gain (Loss) on Sale of Investments	6.82	4.02	2.65	1.91	-1.53	2.9
Other Non-Interest Income	133.78	112.15	60.25	47.53	47.21	35
Total Non-Interest Income	140.3	115.87	65.22	49.41	45.56	37.88
Non-Interest Income Growth	87.50%	77.65%	32.02%	8.44%	20.28%	15.27%
Revenues Before Loan Losses	488.38	412.53	302.87	263.47	226.9	195.55
Provision for Loan Losses	217.93	194.66	68.65	41.92	34.24	28.89
Revenue	270.45	217.87	234.22	221.55	192.66	166.66
Revenue Growth	9.41%	-6.98%	5.72%	14.99%	15.60%	15.62%
Salaries and Employee Benefits	117.27	93.85	61.2	57.22	52.54	48.75
Occupancy Expenses	33.74	27.5	19.99	19.64	19.75	18.41
Selling, General & Administrative	20.11	19.86	15.32	14.17	11.64	4.94
Other Non-Interest Expense	75.73	66.48	52.78	40.71	36.12	27.55
Total Non-Interest Expense	248.84	209.2	148.44	131.15	120.93	101.33
EBT Excluding Unusual Items	21.62	8.66	85.77	90.4	71.73	65.33
Legal Settlements	-	-	-	-	-	-0.15
Other Unusual Items	104.19	75.14	-	-	-	-
Pretax Income	125.8	83.81	85.77	90.4	71.73	65.18
Income Tax Expense	-0.79	-1.48	31.3	32.66	27.93	23.76
Earnings From Continuing Operations	126.59	85.28	54.47	57.74	43.8	41.43
Minority Interest in Earnings	-19.92	-16.3	-12.16	-10.6	-9.47	-8.93
Net Income	106.67	68.98	42.31	47.14	34.33	32.5
Preferred Dividends & Other Adjustments	3.79	3.79	3.8	-	-	-
Net Income to Common	102.89	65.19	38.51	47.14	34.33	32.5
Net Income Growth	161.84%	69.29%	-18.30%	37.32%	5.62%	37.90%
Basic Shares Outstanding	282	282	215	215	215	215
Diluted Shares Outstanding	282	282	215	215	215	215
Shares Change	-0.07%	31.21%	-	-	-	-
EPS (Basic)	0.36	0.23	0.18	0.22	0.16	0.15
EPS (Diluted)	0.36	0.23	0.18	0.22	0.16	0.15
EPS Growth	162.01%	29.02%	-18.30%	37.32%	5.62%	37.90%
Dividend Per Share	0.093	0.093	0.093	0.093	0.074	0.074
Dividend Growth	0%	0%	0%	25.03%	0%	0%
Effective Tax Rate	-	-	36.49%	36.13%	38.94%	36.45%