Safwa Islamic Bank Balance Sheet

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

Millions JOD. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Cash & Equivalents	322.59	133.64	151.14	187.44	128.7	290.39
Investment Securities	886.33	1,023	834.27	538.08	373.69	315.58
Trading Asset Securities	-	1.47	-	-	0.04	1.57
Total Investments	886.33	1,025	834.27	538.08	373.73	317.15
Gross Loans	2,755	2,336	1,856	1,557	1,555	1,248
Allowance for Loan Losses	-131.67	-119.92	-94.05	-61.73	-56.93	-44.77
Other Adjustments to Gross Loans	-329.42	-281.01	-221.29	-182.62	-181.71	-146.49
Net Loans	2,294	1,935	1,541	1,313	1,316	1,057
Property, Plant & Equipment	1,113	967.08	793	726.34	643.97	564.47
Other Intangible Assets	3.94	2.62	1.67	1.7	2	1.92
Investments in Real Estate	-	1.73	-	-	-	-
Accrued Interest Receivable	9.74	12.22	9.46	5.67	3.04	1.58
Other Receivables	17.89	12.92	12.32	9.83	8.3	8.62
Restricted Cash	138.15	130.61	110.48	95.06	88.18	76.7
Other Current Assets	4.11	12.04	1.95	2.15	1.8	1.38
Long-Term Deferred Tax Assets	23.15	19.37	18.51	12.23	8.27	6.73
Other Real Estate Owned & Foreclosed	31.54	24.11	49.83	36.41	8.28	7.94
Other Long-Term Assets	5.74	12.4	11.38	1.28	1.59	2.39
Total Assets	4,849	4,288	3,535	2,929	2,584	2,336

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Accrued Expenses	6.85	4.17	2.91	1.62	0.85	0.41
Non-Interest Bearing Deposits	463.38	368.76	344.38	342.86	317.87	306.6
Total Deposits	463.38	368.76	344.38	342.86	317.87	306.6
Current Portion of Leases	-	0.39	0.11	0.09	0.08	0.09
Current Income Taxes Payable	17.24	18.14	20.68	11.92	8.75	8.33
Other Current Liabilities	419.71	386.09	230.62	176.66	100.49	107.37
Long-Term Leases	10.47	11	9.74	10.21	9.96	9.26
Other Long-Term Liabilities	3,637	3,262	2,717	2,196	1,974	1,741
Total Liabilities	4,590	4,051	3,325	2,740	2,412	2,173

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Common Stock	180	150	120	100	100	100
Retained Earnings	82.92	85.98	89.41	89.33	71.79	62.68
Comprehensive Income & Other	-4.19	1.54	0.09	-0.03	0.01	-
Shareholders' Equity	258.73	237.52	209.5	189.31	171.8	162.68
Total Liabilities & Equity	4,849	4,288	3,535	2,929	2,584	2,336

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Total Debt	45.92	11.38	9.85	10.3	10.04	9.34
Net Cash (Debt)	276.67	123.72	141.29	177.15	118.69	282.61
Net Cash Growth	29.28%	-12.43%	-20.24%	49.25%	-58.00%	-3.25%
Net Cash Per Share	1.54	0.69	0.78	0.98	0.66	1.57
Filing Date Shares Outstanding	180	180	180	180	180	180
Total Common Shares Outstanding	180	180	180	180	180	180
Book Value Per Share	1.44	1.32	1.16	1.05	0.95	0.90
Tangible Book Value	254.79	234.9	207.83	187.61	169.8	160.76
Tangible Book Value Per Share	1.42	1.31	1.15	1.04	0.94	0.89