Ajman Bank PJSC (DFM:AJMANBANK)

Ajman Bank PJSC Balance Sheet

Financials in millions AED. 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
Cash & Equivalents	3,187	2,517	4,181	2,106	2,158	589.57
Investment Securities	3,976	3,626	2,974	2,510	2,824	1,039
Trading Asset Securities	104.81	68.38	69.94	0.02	0.33	1.61
Total Investments	4,081	3,695	3,044	2,510	2,824	1,041
Gross Loans	16,125	14,437	15,096	13,820	16,874	20,047
Allowance for Loan Losses	-732.89	-846.34	-633.82	-491.68	-900.74	-973.83
Other Adjustments to Gross Loans	-567.03	-631.26	-685.99	-694.56	-811.57	-1,063
Net Loans	14,825	12,959	13,776	12,634	15,162	18,011
Property, Plant & Equipment	139.83	136.41	125.79	127.08	124.06	131.14
Investments in Real Estate	392.6	391.55	385.76	381.06	359.74	343.39
Accrued Interest Receivable	123.14	105.27	146.15	100.76	101.78	113.3
Other Receivables	2,131	1,430	1,296	1,630	88.1	339.22
Restricted Cash	926.56	931.8	719.38	477.49	428.8	356.61
Other Current Assets	72.36	29.05	24.91	22.21	33.58	33.65
Other Real Estate Owned & Foreclosed	411.14	505.37	1,149	1,055	927.05	34.75
Other Long-Term Assets	343.45	153.01	87.2	66.95	134.82	513.79
Total Assets	26,633	22,854	24,936	21,110	22,342	21,507
Accrued Expenses	25.83	39.08	24.92	35.4	21.99	21.15
Interest Bearing Deposits	15,866	14,662	16,451	14,233	15,859	15,545
Non-Interest Bearing Deposits	4,926	4,379	4,878	4,091	3,615	3,020
Total Deposits	20,791	19,041	21,330	18,324	19,474	18,565
Current Portion of Leases	-	-	-	-	-	8.95
Current Income Taxes Payable	59.61	39.13	-	-	-	6.22
Accrued Interest Payable	340.77	332.88	391.64	115.67	115.99	122.55
Other Current Liabilities	197.43	125.89	66.59	45.85	89.56	280.92
Long-Term Leases	13.57	12.45	10.01	8.2	5.96	-
Long-Term Deferred Tax Liabilities	10.34	5.53	-	-	-	-
Other Long-Term Liabilities	154.68	146.37	437.92	66.42	-	-
Total Liabilities	23,409	19,743	22,261	18,595	19,708	19,005
Common Stock	2,724	2,724	2,724	2,100	2,100	2,100
Retained Earnings	744.5	640.86	255.86	749.47	586.55	462.95
Treasury Stock	-30.4	-34.48	-27.68	-	-	-
Comprehensive Income & Other	-213.65	-218.08	-276.74	-334.39	-51.93	-60.36
Shareholders' Equity	3,224	3,112	2,675	2,515	2,635	2,503
Total Liabilities & Equity	26,633	22,854	24,936	21,110	22,342	21,507
Total Debt	1,829	12.45	10.01	8.2	5.96	8.95
Net Cash (Debt)	1,463	2,573	4,241	2,098	2,153	582.23
Net Cash Growth	-50.67%	-39.33%	102.19%	-2.56%	269.75%	-27.27%
Net Cash Per Share	0.54	0.96	1.66	0.86	0.99	0.27
Filing Date Shares Outstanding	2,693	2,689	2,696	2,174	2,174	2,174
Total Common Shares Outstanding	2,693	2,689	2,696	2,174	2,174	2,174
Book Value Per Share	1.20	1.16	0.99	1.16	1.21	1.15
Tangible Book Value	3,224	3,112	2,675	2,515	2,635	2,503
Tangible Book Value Per Share	1.20	1.16	0.99	1.16	1.21	1.15

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