Khaberni - The ordinary general assembly of the Arab Bank shareholders convened their meeting on 26/3/2026 via visual and electronic communication, chaired by Mr. Sabih Al-Masri - Chairman of the Board, with the attendance of board members, the CEO, and shareholders holding shares on their own behalf, by proxy, and through representation, making up approximately 80.32% of the capital. The meeting was also attended by the General Controller of Companies, His Excellency Dr. Wael Al-Armouti, and representatives from the Central Bank of Jordan.
During the meeting, the general assembly approved a recommendation from the board of directors of the Arab Bank Ltd. to distribute cash dividends to shareholders at a rate of 40% for the year 2025, along with approving items on the agenda.
During the general assembly meeting, a new board of directors was elected for the Arab Bank for a four-year term starting from the date. It includes: His Excellency Mr. Sabih Tahir Al-Masri, the Public Institution for Social Security, the Ministry of Finance of Saudi Arabia, His Excellency Mr. Waheb Abdullah Tamari, His Excellency Mr. Khaled Sabih Al-Masri, His Excellency Mr. Shahm Munib Al-Wor, His Excellency Mr. Sharif Mahdi Al-Sayfi, His Excellency Dr. Nabil Hani Qaddumi, His Excellency Mr. Omar Munther Al-Fahoum, His Excellency Mr. Majed Qustandi Safri, and Her Excellency Ms. Nadia Abdul Raouf Al-Rawabdeh. The new board convened and elected His Excellency Mr. Sabih Al-Masri as the chairman and Mr. Khaled Al-Masri as the vice-chairman.
On this occasion, Mr. Sabih Al-Masri – Chairman of the Board of the Bank, indicated that the Arab Bank Group continued its rich trajectory of achievements during the year 2025 despite the exceptional circumstances being witnessed globally and regionally. The group achieved outstanding results reflecting the continued growth of its operational profits in various regions it operates in, alongside yielding sustainable returns for its shareholders, based on the diversity of its business activities and products, and broad financing sources and revenue bases.
Mr. Al-Masri pointed out that the Arab Bank Group also continued to enhance its geographical spread, where the Arab Bank Iraq commenced its banking operations in the Republic of Iraq through two branches in Baghdad during the year 2025. This is in addition to boosting the bank's presence in Syria in light of the positive developments there, including requirements for enhancing and increasing the capitals of banks operating within them.
Al-Masri emphasized the bank's commitment to its societal role, as it continued throughout 2025 focusing on integrating sustainability comprehensively into all its activities, along with continuing to enhance the bank's leading role in community responsibility in the countries it operates in. The bank continued to support projects and initiatives having a positive impact focusing on health, education, poverty alleviation, orphan care, the environment, and women's empowerment, pointing out that the bank is progressing in enhancing the leading role of the Abdul Hameed Shoman Foundation in supporting scientific research and cultural enlightenment.
Mr. Al-Masri highlighted that with the launch of a new phase in the Arab Bank's journey, it will continue to implement its long-term strategic directions, based on a clear and ambitious future vision aiming at sustainable growth and value enhancement as core priorities. The bank will continue to focus on achieving a well-considered balance between growth and improving the value offered to its customers, by leveraging economic changes and reinforcing its presence in markets with promising potentials, following prudent policies considering the challenges and changing conditions in the region and the world. He reaffirmed that the bank will continue to enhance its core business sectors, and improve operational efficiency through accelerating digital transformation and increasing investments in areas of artificial intelligence and data analytics, in addition to developing wealth management services and continuing to expand the bank's regional network, thus contributing to building a sustainable competitive advantage and supporting the realization of strategic long-term goals. Concurrently, Mr. Al-Masri pointed out that the bank will continue investing in human capital, which is the main pillar for the success of these directions, by developing the capabilities of its staff and attracting high-quality talents providing the necessary skills to cope with the upcoming stage requirements.
Mr. Al-Masri thanked and appreciated the role of the Central Bank of Jordan in maintaining the stability of the Jordanian banking sector and enhancing its growth. He also expressed his gratitude to the shareholders and clients of the bank for their valuable trust and to the Arab Bank family and its employees in all regions for their dedication and continued efforts, which remain the fundamental pillar for all the bank's successes and achievements.
In her turn, Ms. Rana Al-Sadiq – CEO of the Arab Bank, indicated that the Arab Bank Group achieved remarkable financial performance and growth across various business sectors amid the continued economic and financial challenges at the regional and global levels in the year 2025. She noted that the group's profits after taxes and provisions amounted to 1130.4 million US dollars compared to 1007.1 million US dollars for the year 2024 with a growth rate of 12%, whilst the group maintained the robustness of its financial position reaching equity of 13.2 billion US dollars.
Ms. Al-Sadiq highlighted that the Arab Bank Group continued to grow during the year 2025, anchored on the strength and solidity of the financial position of the group and its widespread branch network. The total assets of the group as of the end of the year 2025 increased by 10% reaching 78.2 billion US dollars while the total revenue increased by 6% to approximate 3.6 billion US dollars, the total loan portfolio increased by 8% reaching 41.2 billion US dollars, and customer deposits increased by 10% reaching 57.2 billion US dollars.
She affirmed that the strong results achieved by the Arab Bank Group during the year 2025 were driven by substantial growth in diverse income sources from various sectors and key markets of operation, in addition to the disciplined approach to cost and risk management. The group achieved good growth in net operating profits driven by growth in net interest and commissions resulting from improved lending levels and efficiency in liquidity management and financing sources benefiting from the group's presence in various markets.
Ms. Al-Sadiq noted that the bank continued to record good performance indicators in addition to improvements in the quality of its credit portfolio and the coverage ratio for provisions for non-performing loans which exceeded 100% excluding collateral values, pointing out that the group maintained good liquidity levels with the loan-to-deposit ratio at 72%, in addition to a strong capital base mostly concentrated in core capital with the capital adequacy ratio at 17% according to Basel III regulations, which is above the minimum required by the Central Bank of Jordan's instructions.
She mentioned that throughout the operational operations of the group, the business sectors continued to achieve qualitative accomplishments reflecting the depth of transformation and development in various fields. In the corporate sector, the digital system was enhanced by launching advanced solutions for supply chain financing and cash management services. At the level of individuals and wealth management, the year witnessed the launch of private banking services in Jordan and the introduction of innovative investment products, simultaneously with the completion of the integration of (Gonieh Bank) - owned by the Arab Bank - Switzerland with Bank (ONE) Switzerland. This is part of the bank's strategy to enhance wealth management and private banking services, which contributed to increasing the managed assets for clients of the Arab Bank Group - Switzerland. The group also commenced its operations in the Iraqi market through Arab Bank Iraq, a strategic step supporting its regional spread. It is also reactivating its activity in Syria.
Ms. Al-Sadiq referred to the Arab Bank's continued journey in digital transformation through working on AI-supported solutions across all workstreams, which is likely to enhance performance and reduce operational risks, in addition to employing a comprehensive digital system that provides a seamless interactive banking experience that meets the daily needs of customers through various life stages and provides comprehensive financial solutions serving the bank's approach which places the customer at the forefront of its priorities.
It is worth noting that during the year 2025, the Arab Bank won several prestigious awards, most notably the (Best Bank in the Middle East for the Year 2025) from the global magazine (Global Finance), and the (Bank of the Year in the Middle East and North Africa 2025) from (Meed) magazine, in recognition of the bank's performance and confirmation of its leading role in the region. This in addition to the (Middle East Technology Award for the Year 2025) from the prestigious magazine (The Banker) owned by the (Financial Times) group, in recognition of the bank's continuous efforts and its pioneering ability in terms of innovation and providing advanced digital services and solutions to its clients.
