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Date : Apr 27, 2026
The General Assembly of Jordan Islamic Bank approved the Board of Directors’ recommendation to distribute a cash dividend to shareholders amounting to 25% of the capital for the year 2025, for a total of JD 50 million, This decision was made during its regular meeting, held through video and electronic conference, chaired by Mr. Abdullah Al-Howaish, Chairman of the Board of Directors, and attended by members of the Board of Directors, CEO Dr. Hussein Said, and shareholders holding shares (on behalf, by proxy and agency) at a rate of about 72.77% and in the presence of the representative of Companies Controller, Mr. Hashem Al-Harsh, and the representative of the Central Bank Maram Al-Nusoor and Iman Sheiha, on Monday, 27/4/2026. The Authority also approved the Board of Directors’ report, bank's activities, the future plan, and the items listed on the meeting’s agenda. Messrs. PricewaterhouseCoopers/Jordan were elected as auditors of the bank.
Mr. Abdullah Al-Howaish, Chairman of the Board, stated, "The year 2025 marked a pivotal and exceptional milestone in the bank's journey. We achieved our highest financial results since our establishment, reaffirming our position as a pillar of the banking industry in the Kingdom. At the end of 2025, the bank achieved profits before tax of JD 113.6 million, compared to JD 99.4 million at the end of 2024, representing a growth rate of 14.3%. After-tax profits reached JD 71.1 million, compared to JD 66.1 million in 2024, reflecting a growth rate of 7.6%. This was achieved despite unfavorable regional conditions and rapid changes in the banking industry. These results underscore the clarity of our vision and the soundness of our approach in maintaining sustainable profitability levels, thereby enhancing the added value for the bank's shareholders. Shareholders' equity increased to JD 584.4 million by the end of 2025, compared to approximately JD 562.1 million at the end of 2024, and return on equity rose to 12.4% compared to 12.0% in 2024.
The bank also maintained its share of the Jordanian banking market for 2025. The bank’s total financing balances from direct credit facilities to banks operating in Jordan amounted to approximately 14.8%, the bank’s total savings balances from total customer deposits with banks operating in Jordan amounted to approximately 11.5%, and the bank’s total assets to total assets of banks operating within Jordan amounted to 10.4%.
Al-Howaish explained that the initiatives launched by the bank in 2025 contributed to bringing about a qualitative shift in the mental image related to the bank’s brand and the development of the corporate culture. Work was done to develop standards related to the traditional and digital customer experience and to improve organizational and operational efficiency.
Al-Howaish expressed his thanks and appreciation to the Jordanian government, the Central Bank of Jordan, and official bodies for their distinguished role in achieving economic visions and providing a suitable environment for the banking sector to keep pace with the best international standards and enhance monetary stability. He also praised the joint and fruitful efforts between the bank’s board of directors, the executive management, employees, the Sharia Supervisory Board, shareholders, and customers, which contributed to the bank’s leadership and its continued successes.
For his part, Dr. Hussein Said, CEO, expressed his pride in the bank's achievements during 2025, which underscore the strength of its financial model, the flexibility of its operations, and its ability to adapt to the volatile economic environment and regional and global geopolitical tensions. The bank achieved an increase in total income for 2025, reaching approximately JD 365.6 million, compared to approximately JD 313.7 million in 2024, representing a growth rate of 16.6%. The bank's key indicators, including (off balance sheet accounts - under management), showed an increase in total assets at the end of 2025 by 10.1%, reaching approximately JD 7.7 billion, compared to approximately JD 7 billion, an increase of approximately JD 700 million. Financing and investment balances also recorded an increase of 11.4%, reaching approximately JD 6.4 billion, compared to approximately JD 5.7 billion. Savings deposits continued to grow, registering an increase of 10.2%, reaching approximately JD 6.9 billion, compared to approximately JD 6.3 billion, distributed across 1,380,000 active accounts, compared to approximately 1,269,000 active accounts at the end of 2024. This underscores the bank's strong financial position and efficient institutional performance, driven by clear growth in diversified income streams from various sectors, coupled with the implementation of cost and risk management policies. Strong net profit growth was also achieved, fueled by increased returns and commissions resulting from improved funding levels and efficient liquidity management and funding sources.
To confirm the strength of the bank’s capital base, Capital Adequacy Ratio (CAR) at the end of 2025 reached approximately 19.2% according to the capital adequacy instructions for Islamic banks issued by the Central Bank of Jordan, which exceeds the prescribed ratio. The bank also maintained the safety of its loan portfolio and the quality of its assets, as the Non- Performing Finance (NPF) ratio reached approximately 2.5%.
Dr. Hussein Said explained that the clear excellence in performance during the year 2025 resulted from the launch of many initiatives and projects included in the bank's strategy for the years (2025-2029), which are based on excellence and supporting a culture of innovation to achieve accomplishments aligned with the bank's vision of leadership in Islamic banking by developing banking products and services, expanding customer segments, and committing to developing standards related to the digital and traditional customer experience. This was achieved through the opening of 'Al-Abdali Mall' and 'Mecca Mall' branches and the rehabilitation of the bank's branch network to reinforce the new visual identity, in addition to improving employee satisfaction, continuing business development, maintaining asset quality, and adhering to the principles of sound governance and risk management in efficient and effective.
As for digital channels, new services were launched in 2025 on the mobile banking application, including credit card management, the digital assistant "Chatbot mobile", in addition to expanding and updating the ATM network according to the latest digital banking technologies, bringing the total number of the bank's machines across the Kingdom to 330, thus leading the banking sector with a market share of about 14%. The bank also provides five digital self-service corners, Islami Digital, in accordance with the latest fintech technologies, which aim to expand the options and solutions that enable customers to complete their banking transactions easily and efficiently.
Dr. Hussein Said pointed to the bank’s future plan for 2026, which is based on five pillars including (the financial pillar, the market, customers, information technology, digital transformation, operational and organizational efficiency, and corporate culture), while emphasizing the bank’s commitment to actively contribute to supporting the initiatives of the markets and financial services sector for the next four years within the second executive program (2026-2029) of the Kingdom’s economic modernization vision.