Arab Bank Posts $1.13B Profit in 2025, Declares 40% Dividend

Arab Bank Group delivered a landmark financial performance for the year ended December 31, 2025, reporting a record net profit after tax of USD 1.13 billion, compared to USD 1.01 billion in 2024, representing a 12% year-on-year increase. The Group’s results underscore its resilience, diversified business model and disciplined execution of its long-term growth strategy.

The Group’s total equity reached USD 13.2 billion, reinforcing its solid financial position and ability to support sustainable growth across markets. Strong performance was recorded across key business lines and geographic regions, reflecting the strength of Arab Bank’s diversified operations.

Operating revenues increased by 6% to approximately USD 3.6 billion, supported by balanced growth in interest and non-interest income. Total loans expanded by 8% to USD 41.2 billion, contributing to a 10% increase in total assets, which reached USD 78.2 billion. Customer deposits also grew by 10% to USD 57.2 billion, highlighting continued confidence in the Bank’s franchise.

In recognition of this strong performance, the Board of Directors has recommended a cash dividend distribution of 40% to shareholders.

Commenting on the results, Mr. Sabih Masri, Chairman of Arab Bank’s Board of Directors, said that the Group’s 2025 performance builds on its long legacy of achievements, delivering strong operating profits across multiple regions and generating sustainable shareholder returns. He emphasized that the results were driven by the Bank’s diversified portfolio of products, services and revenue streams.

Mr. Masri also highlighted the Group’s continued expansion, noting that Arab Bank Iraq officially commenced banking operations in 2025, opening new growth opportunities in a promising and strategically important market.

He further pointed to the launch of Arab Bank’s refreshed brand identity in 2025 as a significant milestone. While rooted in a legacy dating back to 1930, the new brand reflects a simpler, bolder and more digitally focused direction, aimed at strengthening engagement with a broad customer base, particularly younger generations. The refreshed identity positions Arab Bank as a modern, agile and digitally empowered institution ready to meet evolving customer expectations.

Ms. Randa Sadik, Chief Executive Officer of Arab Bank, stated that the Bank’s strong 2025 results were driven by diversified income growth across its core business sectors and markets, coupled with a disciplined approach to cost control and risk management. She noted that sustainable growth in net operating profit was supported by higher lending volumes, revenue diversification and effective liquidity and funding management, particularly benefiting from the Bank’s presence across GCC and international markets.

Ms. Sadik highlighted continued improvements in asset quality, with the coverage ratio for non-performing loans exceeding 100%. The Bank maintained strong liquidity levels, reflected in a loan-to-deposit ratio of 72%, alongside a robust capital position. Arab Bank’s capital adequacy ratio stood at 17% under Basel III, well above the minimum regulatory requirement set by the Central Bank of Jordan.

She also emphasized the Bank’s progress in digital transformation, including the gradual integration of artificial intelligence into its operating model. This strategy supports enhanced customer experiences, improved efficiency, reduced manual processes and stronger operational risk management.

In recognition of its leadership and performance, Arab Bank was named “Best Bank in the Middle East 2025” by Global Finance magazine, reaffirming its standing as a leading financial institution in the region.

The Bank’s 2025 financial statements remain subject to approval by the Central Bank of Jordan.