(Amman, Jordan) Bank of Jordan Group announced its consolidated financial results for 2025, approved by the Central Bank of Jordan. The results reflect strong financial performance and underscore the bank’s solid financial position and the success of its strategy for sustainable growth and institutional transformation, despite ongoing economic and geopolitical challenges at the regional and international levels.

The Group recorded a net profit attributable to shareholders of JOD 44 million, representing a 25.7% increase compared to 2024. Net operating income from interest and commissions rose by 10.8% to reach JOD 177.7 million, while total income grew by 11.5% to approximately JOD 190 million. Operating activities accounted for around 94% of total income, demonstrating the quality and sustainability of the Group’s revenue streams.

This growth was supported by the bank’s international branches, particularly in Iraq, where operations recorded positive growth indicators driven by an expanded client base and increased banking activity. The bank’s regional presence is expected to be further reinforced with the planned launch of its branch in Saudi Arabia during the second quarter of 2026, opening new avenues for growth and business development.

In terms of financial position, the bank’s assets increased by 3.3% to reach JOD 3.2 billion, while client deposits reached approximately JOD 2.4 billion, reflecting continued client confidence. The credit facilities portfolio grew by 5% to reach JOD 1.57 billion, while the investment portfolio stood at approximately JOD 317 million. Meanwhile, shareholders’ equity reached JD 518.1 million.

Profitability indicators also showed marked improvement, with return on average shareholders’ equity rising to 8.4%, compared to 6.7% in 2024, and return on assets increasing to 1.4%, compared to 1.14% in 2024. The bank maintained strong liquidity levels, with a liquidity coverage ratio of 335.9% and a net stable funding ratio of 166.7%. The capital adequacy ratio stood at 19%, confirming the strength of the bank’s capital base.

Based on these results, the Board of Directors of Bank of Jordan recommended a cash dividend of 18% to shareholders for the year 2025.

Commenting on these results, Mr. Shaker Fakhouri said that 2025 marked a turning point in the bank’s journey, as it achieved 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 the client experience by leveraging advanced data analytics and artificial intelligence technologies, in addition to modernizing its operational processes and improving their efficiency. He added that the bank also expanded its services and geographic reach, capitalizing on the Syrian market opening up its economy and strengthening its presence in Iraq through the opening of three new branches. Furthermore, the bank completed the technical, operational, and regulatory requirements necessary to launch its operations in the Kingdom of Saudi Arabia.

Mr. Fakhouri further noted that the bank will continue implementing its corporate transformation program in the area of sustainability by adopting best practices in Environmental, Social, and Governance (ESG), and by completing the establishment of an Environmental, Social, and Management System (ESMS). This will enhance the bank’s readiness to capitalize on sustainable financing opportunities and support the development of a more resilient and responsible business model that balances generating returns with maximizing long-term economic, social, and environmental impact.

Mr. Fakhouri concluded by affirming that the bank will continue implementing its strategy to promote sustainable growth by balancing growth and profitability, developing its business, and empowering its workforce, while advancing its expansion plans to support the Bank of Jordan Group’s long-term growth.