Invest Bank (ASE:INVB)

Invest Bank 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	160.58	148.17	123.07	84.45	69.11	70.37
Interest Income on Investments	1.94	2.16	2.32	1.15	0.91	3.21
Total Interest Income	162.52	150.32	125.39	85.6	70.03	73.59
Interest Paid on Deposits	100.67	91.93	70.4	40.32	32.65	35.31
Net Interest Income	61.85	58.39	55	45.28	37.37	38.28
Net Interest Income Growth (YoY)	7.81%	6.17%	21.47%	21.14%	-2.36%	1.60%
Gain (Loss) on Sale of Assets	0.06	0.06	1.32	0	0.3	-
Gain (Loss) on Sale of Investments	0.76	0.72	0.51	0.68	1.18	0.29
Other Non-Interest Income	28.5	29.3	22.71	17.73	14.9	13.08
Total Non-Interest Income	29.32	30.07	24.54	18.42	16.38	13.38
Non-Interest Income Growth (YoY)	0.52%	22.55%	33.24%	12.43%	22.48%	-15.26%
Revenues Before Loan Losses	91.18	88.47	79.54	63.69	53.76	51.65
Provision for Loan Losses	11.97	12.32	11.55	6.26	-0.66	16.13
Revenue	79.21	76.15	67.99	57.43	54.41	35.52
Revenue Growth (YoY)	4.78%	12.00%	18.39%	5.55%	53.18%	-31.14%
Salaries and Employee Benefits	22.75	20.52	20.31	18.08	14.85	15.2
Occupancy Expenses	4.38	4.38	3.67	3.08	2.79	2.96
Selling, General & Administrative	0.92	0.92	1	1.02	1.07	0.58
Other Non-Interest Expense	14.71	11.82	10.35	8.19	8.27	7.53
Total Non-Interest Expense	42.96	39.41	34.56	31.01	26.88	26.5
EBT Excluding Unusual Items	36.24	36.74	33.43	26.42	27.53	9.02
Legal Settlements	-	-	-0.26	-0.05	-0.16	-0.43
Other Unusual Items	-	-	-	3.6	-	-0.73
Pretax Income	36.24	36.74	33.17	29.96	27.37	7.86
Income Tax Expense	8.04	9.74	8.17	9.57	9.79	1.86
Earnings From Continuing Operations	28.2	27	25	20.39	17.58	6
Earnings From Discontinued Operations	-	-	-	-0.14	0.42	-
Minority Interest in Earnings	-0.61	-0.49	-0.37	-0.42	-0.19	-0.24
Net Income	27.59	26.51	24.63	19.83	17.81	5.76
Net Income to Common	27.59	26.51	24.63	19.83	17.81	5.76
Net Income Growth	2.89%	7.65%	24.22%	11.31%	209.30%	-63.28%
Basic Shares Outstanding	121	103	100	100	100	100
Diluted Shares Outstanding	121	103	100	100	100	100
Shares Change (YoY)	21.28%	2.53%	-	-	-	-
EPS (Basic)	0.23	0.26	0.25	0.20	0.18	0.06
EPS (Diluted)	0.23	0.26	0.25	0.20	0.18	0.06
EPS Growth	-15.16%	5.00%	24.22%	11.31%	209.30%	-63.28%
Dividend Per Share	0.100	0.100	0.100	0.100	0.100	0.120
Dividend Growth	-	-	-	-	-16.67%	9.09%
Effective Tax Rate	22.19%	26.51%	24.63%	31.94%	35.77%	23.66%

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