Invest Bank 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	173.16	148.17	123.07	84.45	69.11
Interest Income on Investments	1.85	2.16	2.32	1.15	0.91
Total Interest Income	175.01	150.32	125.39	85.6	70.03
Interest Paid on Deposits	105.17	91.93	70.4	40.32	32.65
Net Interest Income	69.84	58.39	55	45.28	37.37
Net Interest Income Growth (YoY)	19.60%	6.17%	21.47%	21.14%	-2.36%
Gain (Loss) on Sale of Assets	-0.03	0.06	1.32	0	0.3
Gain (Loss) on Sale of Investments	0.63	0.72	0.51	0.68	1.18
Other Non-Interest Income	26.96	29.3	22.71	17.73	14.9
Total Non-Interest Income	27.56	30.07	24.54	18.42	16.38
Non-Interest Income Growth (YoY)	-8.35%	22.55%	33.24%	12.43%	22.48%
Revenues Before Loan Losses	97.41	88.47	79.54	63.69	53.76
Provision for Loan Losses	13.89	12.32	11.55	6.26	-0.66
Revenue	83.52	76.15	67.99	57.43	54.41
Revenue Growth (YoY)	9.68%	12.00%	18.39%	5.55%	53.18%
Salaries and Employee Benefits	23.79	20.52	20.31	18.08	14.85
Occupancy Expenses	4.98	4.38	3.67	3.08	2.79
Selling, General & Administrative	1.38	0.92	1	1.02	1.07
Other Non-Interest Expense	13.93	11.82	10.35	8.19	8.27
Total Non-Interest Expense	46.28	39.41	34.56	31.01	26.88
EBT Excluding Unusual Items	37.24	36.74	33.43	26.42	27.53
Legal Settlements	-	-	-0.26	-0.05	-0.16
Other Unusual Items	-	-	-	3.6	-
Pretax Income	37.24	36.74	33.17	29.96	27.37
Income Tax Expense	10.24	9.74	8.17	9.57	9.79
Earnings From Continuing Operations	27	27	25	20.39	17.58
Earnings From Discontinued Operations	-	-	-	-0.14	0.42
Minority Interest in Earnings	-0.53	-0.49	-0.37	-0.42	-0.19
Net Income	26.47	26.51	24.63	19.83	17.81
Net Income to Common	26.47	26.51	24.63	19.83	17.81
Net Income Growth	-0.15%	7.65%	24.22%	11.31%	209.30%
Basic Shares Outstanding	125	103	100	100	100
Diluted Shares Outstanding	125	103	100	100	100
Shares Change (YoY)	21.92%	2.53%	-	-	-
EPS (Basic)	0.21	0.26	0.25	0.20	0.18
EPS (Diluted)	0.21	0.26	0.25	0.20	0.18
EPS Growth	-18.10%	5.00%	24.22%	11.31%	209.30%
Dividend Per Share	-	0.100	0.100	0.100	0.100
Dividend Growth	-	-	-	-	-16.67%
Effective Tax Rate	27.49%	26.51%	24.63%	31.94%	35.77%

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