By : Business Editor
Jordan Daily – Capital Bank Group has reported a record net profit of about JOD 201 million for the year ended Dec. 31, 2025, up 26% from JOD 160 million a year earlier, driven by balanced growth across its markets, stronger asset quality and continued digital expansion.
Total assets rose around 6% to JOD 8.7 billion, while customer deposits reached nearly JOD 6 billion, the bank said. Net direct credit facilities climbed 12.5% to about JOD 3.9 billion from JOD 3.4 billion in 2024, the Bank said in a statement seen by Jordan Daily.
Chairman Bassem Khalil Al-Salem said 2025 marked a pivotal milestone, with improved balance sheet indicators and a capital adequacy ratio above 15%, supporting future growth. He added that the group signed a $155 million green subordinated loan agreement with six international lenders, underscoring confidence in its strategy and advancing its sustainable finance agenda.
The board recommended a 17% cash dividend for 2025, subject to approval by the Central Bank of Jordan.
Gross income increased 16% to about JOD 466 million from JOD 403 million in 2024. The cost-to-income ratio stood at 39%, reflecting improved operational efficiency and sustainable returns, Chief Executive Tamer Ghazaleh said, citing ongoing investments in technology and artificial intelligence as part of the bank’s digital transformation strategy.
Ghazaleh emphasized that Capital Bank continues to advance its adoption of artificial intelligence solutions to enhance operational efficiency, demonstrating effective resource management and the successful deployment of advanced banking technologies in line with the bank’s ambitious digital transformation strategy.
During the year, the group received several international awards, including recognition for data and AI applications and digital banking services. It also secured a “Deal of the Year” award from the European Bank for Reconstruction and Development.
Separately, the National Bank of Iraq, a subsidiary, reported a 56% rise in direct credit facilities and a 27% increase in total assets in 2025, citing growing customer confidence and geographic expansion.
The Iraqi lender approved the acquisition of a 51% stake in Iraq Electronic Gate for Financial Services (SWITCH) and Digital Future Company, and completed the acquisition of Union International Insurance Company, expanding its integrated financial services offering.
