Jordan Islamic Bank (ASE:JOIB)

Jordan Islamic 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	197.13	183.41	161.04	151.97	148.36	141.41
Total Interest Income	197.13	183.41	161.04	151.97	148.36	141.41
Interest Paid on Deposits	134.98	128.3	109.01	82.12	64.47	56.28
Net Interest Income	62.15	55.11	52.03	69.85	83.89	85.13
Net Interest Income Growth (YoY)	17.40%	5.92%	-25.51%	-16.73%	-1.46%	-5.37%
Gain (Loss) on Sale of Assets	1.89	1.18	1.07	1.05	2.12	1.75
Gain (Loss) on Sale of Investments	26.68	23.69	21.16	13.58	11.09	10.49
Other Non-Interest Income	116.89	110.25	103.27	95.48	85.31	76.67
Total Non-Interest Income	147.41	137.09	130.6	114.51	102.38	89.91
Non-Interest Income Growth (YoY)	11.61%	4.97%	14.05%	11.85%	13.86%	6.02%
Revenues Before Loan Losses	209.56	192.2	182.63	184.36	186.26	175.04
Provision for Loan Losses	4.04	0.04	-0.5	0.93	7.15	8.06
Revenue	205.52	192.15	183.13	183.43	179.11	166.98
Revenue Growth (YoY)	12.62%	4.93%	-0.16%	2.41%	7.27%	-0.08%
Salaries and Employee Benefits	48	46.7	45.71	44.5	41.92	41.51
Occupancy Expenses	7.39	6.91	6.47	8.14	8.36	8.32
Federal Deposit Insurance	11.24	10.76	10.26	9.92	8.99	4.37
Selling, General & Administrative	0.85	0.85	0.58	0.64	0.72	0.72
Other Non-Interest Expense	32.05	27.58	25.57	24.69	22.67	28.3
Total Non-Interest Expense	99.53	92.8	88.58	87.89	82.66	83.21
EBT Excluding Unusual Items	105.99	99.36	94.55	95.54	96.45	83.77
Pretax Income	105.99	99.36	94.55	95.54	96.45	83.77
Income Tax Expense	37.24	33.25	32.25	34.43	37.4	31.64
Earnings From Continuing Operations	68.74	66.1	62.3	61.11	59.06	52.12
Minority Interest in Earnings	0	-	-	-0	0	0
Net Income	68.74	66.1	62.3	61.11	59.06	52.12
Net Income to Common	68.74	66.1	62.3	61.11	59.06	52.12
Net Income Growth	8.58%	6.10%	1.95%	3.47%	13.31%	-4.10%
Basic Shares Outstanding	200	200	200	200	200	200
Diluted Shares Outstanding	200	200	200	200	200	200
Shares Change (YoY)	0.02%	-	-	-	-	-
EPS (Basic)	0.34	0.33	0.31	0.31	0.30	0.26
EPS (Diluted)	0.34	0.33	0.31	0.31	0.30	0.26
EPS Growth	8.56%	6.10%	1.95%	3.47%	13.31%	-4.10%
Dividend Per Share	0.250	0.250	0.220	0.250	0.250	0.120
Dividend Growth	13.64%	13.64%	-12.00%	-	108.33%	-
Effective Tax Rate	35.14%	33.47%	34.11%	36.04%	38.77%	37.78%

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