Jordan Islamic Bank (ASE:JOIB)

Jordan Islamic Bank 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	207.08	183.41	161.04	151.97	148.36	141.41
Interest Income on Investments	0.33	-	-	-	-	-
Total Interest Income	207.41	183.41	161.04	151.97	148.36	141.41
Interest Paid on Deposits	138.96	128.3	109.01	82.12	64.47	56.28
Net Interest Income	68.45	55.11	52.03	69.85	83.89	85.13
Net Interest Income Growth (YoY)	31.96%	5.92%	-25.51%	-16.73%	-1.46%	-5.37%
Gain (Loss) on Sale of Assets	1.18	1.18	1.07	1.05	2.12	1.75
Gain (Loss) on Sale of Investments	28.59	23.69	21.16	13.58	11.09	10.49
Other Non-Interest Income	120.02	110.25	103.27	95.48	85.31	76.67
Total Non-Interest Income	151.91	137.09	130.6	114.51	102.38	89.91
Non-Interest Income Growth (YoY)	13.35%	4.97%	14.05%	11.85%	13.86%	6.02%
Revenues Before Loan Losses	220.36	192.2	182.63	184.36	186.26	175.04
Provision for Loan Losses	6.54	0.04	-0.5	0.93	7.15	8.06
Revenue	213.82	192.15	183.13	183.43	179.11	166.98
Revenue Growth (YoY)	15.34%	4.93%	-0.16%	2.41%	7.27%	-0.08%
Salaries and Employee Benefits	48.72	46.7	45.71	44.5	41.92	41.51
Occupancy Expenses	7.61	6.91	6.47	8.14	8.36	8.32
Federal Deposit Insurance	11.5	10.76	10.26	9.92	8.99	4.37
Selling, General & Administrative	0.85	0.85	0.58	0.64	0.72	0.72
Other Non-Interest Expense	34.6	27.58	25.57	24.69	22.67	28.3
Total Non-Interest Expense	103.28	92.8	88.58	87.89	82.66	83.21
EBT Excluding Unusual Items	110.53	99.36	94.55	95.54	96.45	83.77
Pretax Income	110.53	99.36	94.55	95.54	96.45	83.77
Income Tax Expense	40.48	33.25	32.25	34.43	37.4	31.64
Earnings From Continuing Operations	70.05	66.1	62.3	61.11	59.06	52.12
Minority Interest in Earnings	-	-	-	-0	0	0
Net Income	70.05	66.1	62.3	61.11	59.06	52.12
Net Income to Common	70.05	66.1	62.3	61.11	59.06	52.12
Net Income Growth	9.69%	6.10%	1.95%	3.47%	13.31%	-4.10%
Basic Shares Outstanding	200	200	200	200	200	200
Diluted Shares Outstanding	200	200	200	200	200	200
EPS (Basic)	0.35	0.33	0.31	0.31	0.30	0.26
EPS (Diluted)	0.35	0.33	0.31	0.31	0.30	0.26
EPS Growth	9.69%	6.10%	1.95%	3.47%	13.31%	-4.10%
Dividend Per Share	0.250	0.250	0.220	0.250	0.250	0.120
Dividend Growth	13.64%	13.64%	-12.00%	-	108.33%	-
Effective Tax Rate	36.62%	33.47%	34.11%	36.04%	38.77%	37.78%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.