Jordan Commercial Bank (ASE:JCBK)

Jordan Commercial Bank Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	92.3	94.68	92.18	76.71	70.4
Interest Income on Investments	0.19	0.18	0.28	0.13	0.2
Total Interest Income	92.49	94.85	92.47	76.84	70.6
Interest Paid on Deposits	43.55	48.3	43.93	35.48	34.61
Net Interest Income	48.94	46.56	48.54	41.36	35.99
Net Interest Income Growth (YoY)	5.11%	-4.08%	17.35%	14.92%	6.69%
Gain (Loss) on Sale of Assets	0.04	-0.04	0	0	0
Gain (Loss) on Sale of Investments	-0.12	0.01	0.52	-0.06	0.28
Other Non-Interest Income	14.23	8.09	10.88	10.11	8.14
Total Non-Interest Income	14.15	8.06	11.39	10.04	8.42
Non-Interest Income Growth (YoY)	75.59%	-29.26%	13.45%	19.28%	-6.38%
Revenues Before Loan Losses	63.09	54.62	59.93	51.4	44.41
Provision for Loan Losses	6.1	7.5	11.62	6.3	4.6
Revenue	56.99	47.12	48.31	45.1	39.81
Revenue Growth (YoY)	20.95%	-2.47%	7.12%	13.28%	14.79%
Salaries and Employee Benefits	17.55	16.4	15.47	14.21	13.75
Occupancy Expenses	4.19	4.08	3.91	3.47	3.62
Selling, General & Administrative	1.45	1.38	1.03	1.05	0.87
Other Non-Interest Expense	11.58	10.73	10.28	8.82	8.81
Total Non-Interest Expense	34.81	29.14	30.71	27.04	27.03
EBT Excluding Unusual Items	22.18	17.98	17.6	18.06	12.78
Legal Settlements	-0.37	-0.27	-0.66	-0.03	-0.23
Pretax Income	21.82	17.71	16.94	18.03	12.55
Income Tax Expense	7.76	5.99	5.46	6.69	5.54
Earnings From Continuing Operations	14.06	11.72	11.48	11.34	7
Net Income	14.06	11.72	11.48	11.34	7
Net Income to Common	14.06	11.72	11.48	11.34	7
Net Income Growth	19.95%	2.03%	1.27%	61.89%	1264.12%
Basic Shares Outstanding	120	120	120	120	120
Diluted Shares Outstanding	120	120	120	120	120
EPS (Basic)	0.12	0.10	0.10	0.09	0.06
EPS (Diluted)	0.12	0.10	0.10	0.09	0.06
EPS Growth	19.95%	2.03%	1.27%	61.89%	1264.17%
Dividend Per Share	-	0.060	0.050	0.050	-
Dividend Growth	-	20.00%	-	-	-
Effective Tax Rate	35.57%	33.85%	32.21%	37.11%	44.17%

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