Ajman Bank PJSC (DFM:AJMANBANK)

Ajman Bank PJSC Balance Sheet

Financials in millions AED. 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
Cash & Equivalents	2,766	2,517	4,181	2,106	2,158	589.57
Investment Securities	3,721	3,626	2,974	2,510	2,824	1,039
Trading Asset Securities	71.29	68.38	69.94	0.02	0.33	1.61
Total Investments	3,792	3,695	3,044	2,510	2,824	1,041
Gross Loans	15,323	14,437	15,096	13,820	16,874	20,047
Allowance for Loan Losses	-806.74	-846.34	-633.82	-491.68	-900.74	-973.83
Other Adjustments to Gross Loans	-601.14	-631.26	-685.99	-694.56	-811.57	-1,063
Net Loans	13,915	12,959	13,776	12,634	15,162	18,011
Property, Plant & Equipment	140.14	136.41	125.79	127.08	124.06	131.14
Investments in Real Estate	391.55	391.55	385.76	381.06	359.74	343.39
Accrued Interest Receivable	111.12	105.27	146.15	100.76	101.78	113.3
Other Receivables	1,671	1,430	1,296	1,630	88.1	339.22
Restricted Cash	883.04	931.8	719.38	477.49	428.8	356.61
Other Current Assets	57.48	29.05	24.91	22.21	33.58	33.65
Other Real Estate Owned & Foreclosed	418.76	505.37	1,149	1,055	927.05	34.75
Other Long-Term Assets	350.74	153.01	87.2	66.95	134.82	513.79
Total Assets	24,497	22,854	24,936	21,110	22,342	21,507
Accrued Expenses	23.02	39.08	24.92	35.4	21.99	21.15
Interest Bearing Deposits	15,793	14,662	16,451	14,233	15,859	15,545
Non-Interest Bearing Deposits	4,847	4,379	4,878	4,091	3,615	3,020
Total Deposits	20,640	19,041	21,330	18,324	19,474	18,565
Current Portion of Leases	-	-	-	-	-	8.95
Current Income Taxes Payable	49.55	39.13	-	-	-	6.22
Accrued Interest Payable	314.69	332.88	391.64	115.67	115.99	122.55
Other Current Liabilities	163.39	125.89	66.59	45.85	89.56	280.92
Long-Term Leases	12.85	12.45	10.01	8.2	5.96	-
Long-Term Deferred Tax Liabilities	10.25	5.53	-	-	-	-
Other Long-Term Liabilities	206.3	146.37	437.92	66.42	-	-
Total Liabilities	21,420	19,743	22,261	18,595	19,708	19,005
Common Stock	2,724	2,724	2,724	2,100	2,100	2,100
Retained Earnings	594.04	640.86	255.86	749.47	586.55	462.95
Treasury Stock	-37.02	-34.48	-27.68	-	-	-
Comprehensive Income & Other	-203.42	-218.08	-276.74	-334.39	-51.93	-60.36
Shareholders' Equity	3,077	3,112	2,675	2,515	2,635	2,503
Total Liabilities & Equity	24,497	22,854	24,936	21,110	22,342	21,507
Total Debt	12.85	12.45	10.01	8.2	5.96	8.95
Net Cash (Debt)	2,824	2,573	4,241	2,098	2,153	582.23
Net Cash Growth	-3.53%	-39.33%	102.19%	-2.56%	269.75%	-27.27%
Net Cash Per Share	1.05	0.96	1.66	0.86	0.99	0.27
Filing Date Shares Outstanding	2,686	2,689	2,696	2,174	2,174	2,174
Total Common Shares Outstanding	2,686	2,689	2,696	2,174	2,174	2,174
Book Value Per Share	1.15	1.16	0.99	1.16	1.21	1.15
Tangible Book Value	3,077	3,112	2,675	2,515	2,635	2,503
Tangible Book Value Per Share	1.15	1.16	0.99	1.16	1.21	1.15

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