Capital Bank of Jordan (ASE:CAPL)

Capital Bank of Jordan Income Statement

Financials in millions JOD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	478.74	474.72	427.45	320.51	180.72	130.29
Interest Income on Investments	1.38	1.37	1.75	0.36	0.34	0.23
Total Interest Income	480.12	476.09	429.2	320.87	181.06	130.52
Interest Paid on Deposits	261.86	264.68	249.17	161.36	78.71	61.22
Net Interest Income	218.26	211.42	180.03	159.51	102.34	69.3
Net Interest Income Growth (YoY)	16.22%	17.44%	12.86%	55.85%	47.67%	25.72%
Gain (Loss) on Sale of Investments	0.01	0.03	0.01	-1.03	0.02	1.07
Other Non-Interest Income	184.14	191.44	166.86	52.09	35.9	40.29
Total Non-Interest Income	184.15	191.47	166.88	51.06	35.92	41.36
Non-Interest Income Growth (YoY)	-7.93%	14.73%	226.83%	42.14%	-13.14%	7.32%
Revenues Before Loan Losses	402.41	402.89	346.91	210.57	138.27	110.66
Provision for Loan Losses	42.97	44.24	73.47	28.62	20.72	24.55
Revenue	359.45	358.64	273.44	181.94	117.55	86.12
Revenue Growth (YoY)	16.72%	31.16%	50.29%	54.78%	36.50%	-0.62%
Salaries and Employee Benefits	67.5	66.86	54.27	49.11	32.74	21.51
Occupancy Expenses	33.53	31.21	23.65	15.32	10.28	6.35
Selling, General & Administrative	13.54	13.54	14.03	9.61	4.32	3.64
Other Non-Interest Expense	53.58	52.79	43.5	36.89	24.17	15.3
Total Non-Interest Expense	172.77	168.04	145.95	109.65	72.13	46.9
EBT Excluding Unusual Items	186.67	190.61	127.49	72.29	45.42	39.21
Legal Settlements	-4.99	-4.99	-	-0.1	-0.06	-0.03
Other Unusual Items	-	-	-	25.51	28.08	-1.18
Pretax Income	181.68	185.61	127.49	96.94	70.74	38.01
Income Tax Expense	20.71	25.48	20.89	6.09	9.73	7.71
Earnings From Continuing Operations	160.97	160.14	106.59	90.85	61.01	30.3
Minority Interest in Earnings	-54	-52.19	-34.74	-4.03	17.81	-4.35
Net Income	106.97	107.95	71.85	86.82	78.81	25.96
Net Income to Common	106.97	107.95	71.85	86.82	78.81	25.96
Net Income Growth	29.45%	50.23%	-17.24%	10.16%	203.64%	3.41%
Basic Shares Outstanding	263	263	263	226	200	200
Diluted Shares Outstanding	263	263	263	226	200	200
Shares Change (YoY)	-	-	16.44%	12.95%	-	-
EPS (Basic)	0.41	0.41	0.27	0.38	0.39	0.13
EPS (Diluted)	0.41	0.41	0.27	0.38	0.39	0.13
EPS Growth	29.45%	50.23%	-28.92%	-2.47%	203.64%	3.41%
Dividend Per Share	0.150	0.150	0.150	0.170	0.150	0.120
Dividend Growth	-	-	-11.77%	13.33%	25.00%	-
Effective Tax Rate	11.40%	13.73%	16.39%	6.28%	13.75%	20.27%

Updated Feb 25, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.