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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	3,106	2,517	4,181	2,106	2,158	589.57
Investment Securities	5,004	3,626	2,974	2,510	2,824	1,039
Trading Asset Securities	-	68.38	69.94	0.02	0.33	1.61
Total Investments	5,004	3,695	3,044	2,510	2,824	1,041
Gross Loans	15,207	14,437	15,096	13,820	16,874	20,047
Allowance for Loan Losses	-	-846.34	-633.82	-491.68	-900.74	-973.83
Other Adjustments to Gross Loans	-	-631.26	-685.99	-694.56	-811.57	-1,063
Net Loans	15,207	12,959	13,776	12,634	15,162	18,011
Property, Plant & Equipment	150.3	136.41	125.79	127.08	124.06	131.14
Investments in Real Estate	395.48	391.55	385.76	381.06	359.74	343.39
Accrued Interest Receivable	-	105.27	146.15	100.76	101.78	113.3
Other Receivables	3,278	1,430	1,296	1,630	88.1	339.22
Restricted Cash	-	931.8	719.38	477.49	428.8	356.61
Other Current Assets	-	29.05	24.91	22.21	33.58	33.65
Other Real Estate Owned & Foreclosed	-	505.37	1,149	1,055	927.05	34.75
Other Long-Term Assets	891.88	153.01	87.2	66.95	134.82	513.79
Total Assets	28,033	22,854	24,936	21,110	22,342	21,507
Accrued Expenses	-	39.08	24.92	35.4	21.99	21.15
Interest Bearing Deposits	22,041	14,662	16,451	14,233	15,859	15,545
Non-Interest Bearing Deposits	-	4,379	4,878	4,091	3,615	3,020
Total Deposits	22,041	19,041	21,330	18,324	19,474	18,565
Current Portion of Leases	-	-	-	-	-	8.95
Current Income Taxes Payable	-	39.13	-	-	-	6.22
Accrued Interest Payable	-	332.88	391.64	115.67	115.99	122.55
Other Current Liabilities	-	125.89	66.59	45.85	89.56	280.92
Long-Term Leases	-	12.45	10.01	8.2	5.96	-
Long-Term Deferred Tax Liabilities	-	5.53	-	-	-	-
Other Long-Term Liabilities	807.1	146.37	437.92	66.42	-	-
Total Liabilities	24,664	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	848.84	640.86	255.86	749.47	586.55	462.95
Treasury Stock	-31.21	-34.48	-27.68	-	-	-
Comprehensive Income & Other	-171.49	-218.08	-276.74	-334.39	-51.93	-60.36
Shareholders' Equity	3,370	3,112	2,675	2,515	2,635	2,503
Total Liabilities & Equity	28,033	22,854	24,936	21,110	22,342	21,507
Total Debt	1,816	12.45	10.01	8.2	5.96	8.95
Net Cash (Debt)	1,290	2,573	4,241	2,098	2,153	582.23
Net Cash Growth	-67.69%	-39.33%	102.19%	-2.56%	269.75%	-27.27%
Net Cash Per Share	0.48	0.96	1.66	0.86	0.99	0.27
Filing Date Shares Outstanding	2,698	2,689	2,696	2,174	2,174	2,174
Total Common Shares Outstanding	2,698	2,689	2,696	2,174	2,174	2,174
Book Value Per Share	1.25	1.16	0.99	1.16	1.21	1.15
Tangible Book Value	3,370	3,112	2,675	2,515	2,635	2,503
Tangible Book Value Per Share	1.25	1.16	0.99	1.16	1.21	1.15

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