Khaberni - The Jordan Bank Group announced its consolidated financial results for the year 2025, which were approved by the Central Bank of Jordan, registering a strong financial performance that reflects the robustness of its financial position and the success of its strategy for sustainable growth and institutional transformation, despite ongoing economic and geopolitical challenges on regional and international levels.
The group recorded a net profit attributable to the bank's shareholders of 44 million dinars, achieving a growth of 25.7% compared to the year 2024. Additionally, the net operating income from interest and fees increased by 10.8% to reach 177.7 million dinar, while the total income reached about 190 million dinar, growing by 11.5%. Operating activities constituted approximately 94% of the total income, reflecting the quality and sustainability of the revenue sources.
This growth was supported by the expansion of the bank's international branches, particularly in the Republic of Iraq, where operations showed positive growth indices due to an expanding customer base and increased banking activity volume. The bank's regional presence is expected to be further strengthened with the targeted operation of its branch in the Kingdom of Saudi Arabia during the second quarter of 2026, opening new prospects for growth and business development.
On the financial positioning front, the bank's assets increased by 3.3% to reach 3.2 billion dinar, while customer deposits amounted to about 2.4 billion dinar, an increase of 6%, reflecting continuous customer trust in the bank. The credit facilities portfolio grew by 5% to reach 1.57 billion dinar, while the investment portfolio was approximately 317 million dinar. The shareholders' equity reached 518.1 million dinar.
Profitability indicators showed significant improvement, with the return on average equity rising to 8.4% compared to 6.7% in 2024, and the return on assets increased to 1.4% compared to 1.14% in 2024. The bank maintained strong liquidity levels with a liquidity coverage ratio of 335.9%, while the net stable funding ratio recorded 166.7%. The capital adequacy ratio reached 19%, confirming the strength of the bank's capital base.
Based on the bank's financial results, the Board of Directors of Bank of Jordan recommended distributing cash dividends to shareholders at a rate of 18% for the year 2025.
Commenting on these results, Mr. Shaker Fakhouri confirmed that the year 2025 represented a turning point in the bank's history, achieving sustainable growth supported by improved profitability, enhanced operational readiness, and continued expansion and institutional transformation.
He noted that the bank continued to develop its digital services and enhance customer experience through the use of advanced data analytics and artificial intelligence technologies, in addition to updating operational processes and increasing their efficiency. It also worked on expanding its service range and geographic expansion, leveraging economic openness in the Syrian market and enhancing its presence in Iraq by opening three new branches. In addition, it completed the requirements for launching its operations in the Kingdom of Saudi Arabia from technical, operational, and regulatory aspects.
Mr. Fakhouri added that the bank will continue to implement its institutional transformation program in sustainability, by applying the best practices of (ESG) and completing the establishment of the Environmental and Social Management System (ESMS), which will enhance the bank’s readiness for seizing sustainable financing opportunities, and supports building a more flexible and responsible business model, balancing profits with long-term economic, social, and environmental impacts.
In conclusion, Mr. Shaker Fakhouri confirmed that the bank will continue to execute its strategy to enhance sustainable growth, by balancing growth and profitability, developing business and empowering staff, alongside proceeding with its expansion plans to support the group’s long-term growth.
