Ajman Bank

Ajman Bank PJSC

AJMANBANKStocksDubai Financial MarketBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	942.55M	805.75M	38.78M	485.73M	388.67M
Interest Income	1.13B	1.17B	1.21B	0.67B	0.71B
Interest Expense	750.36M	764.95M	702.25M	287.82M	232.05M
Pretax Income	548.39M	439.78M	-390.36M	162.07M	116.16M
Income Tax	48.35M	39.13M	—	—	—
Net Income	500.04M	400.65M	-390.36M	162.07M	116.16M
Net Interest Income	376.35M	407.43M	507.79M	386.13M	474.31M
Non-Interest Income	516.48M	325.08M	261.01M	170.33M	181.74M
Non-Interest Expense	412.43M	369.67M	369.98M	320.99M	284.54M
Loan Loss Provisions	-49.72M	-73.24M	730.02M	70.72M	267.38M
EPS (Basic)	0.18	0.15	-0.15	0.07	0.05
EPS (Diluted)	0.18	0.15	-0.15	0.07	0.05
DPS	0.09	0.07	—	—	—
Margins & Efficiency
Net Margin %	+53.1%	+49.7%	-1,006.6%	+33.4%	+29.9%
Revenue & Income
Revenue	942.55M	805.75M	38.78M	485.73M	388.67M
Revenue	942.55M	805.75M	38.78M	485.73M	388.67M
Revenue Growth (YoY)	+17.0%	+1,977.7%	-92.0%	+25.0%	+13.7%
Revenues Before Loan Losses	892.83M	732.51M	768.80M	556.45M	656.06M
Interest Income on Loans	1.13B	1.17B	1.21B	0.67B	0.71B
Net Interest Income	376.35M	407.43M	507.79M	386.13M	474.31M
Net Interest Income Growth (YoY)	-7.6%	-19.8%	+31.5%	-18.6%	+6.8%
Non-Interest Income Growth (YoY)	+58.9%	+24.5%	+53.2%	-6.3%	-6.7%
Total Non-Interest Income	516.48M	325.08M	261.01M	170.33M	181.74M
Other Non-Interest Income	422.96M	325.62M	295.94M	267.31M	94.84M
Gain (Loss) on Sale of Investments	93.52M	-0.54M	-34.93M	-96.98M	86.90M
Expenses & Provisions
Selling, General & Administrative	116.11M	94.82M	95.88M	68.99M	62.69M
Interest Paid on Deposits	750.36M	764.95M	702.25M	287.82M	232.05M
Total Non-Interest Expense	412.43M	369.67M	369.98M	320.99M	284.54M
Provision for Loan Losses	-49.72M	-73.24M	730.02M	70.72M	267.38M
Salaries and Employee Benefits	272.96M	251.41M	245.58M	225.11M	196.80M
Occupancy Expenses	23.36M	23.44M	28.52M	26.90M	25.05M
Asset Writedown	18.27M	3.70M	-59.16M	-2.67M	12.03M
Profitability & Returns
EBT Excluding Unusual Items	530.12M	436.08M	-331.20M	164.74M	104.13M
Pretax Income	548.39M	439.78M	-390.36M	162.07M	116.16M
Profit Margin	+53.1%	+49.7%	-1,006.6%	+33.4%	+29.9%
Net Income	500.04M	400.65M	-390.36M	162.07M	116.16M
Net Income to Common	500.04M	400.65M	-390.36M	162.07M	116.16M
Net Income Growth	+24.8%	—	—	+39.5%	+117.5%
Income Tax Expense	48.35M	39.13M	—	—	—
Effective Tax Rate	+8.8%	+8.9%	—	—	—
Per Share & Capital
EPS (Basic)	0.18	0.15	-0.15	0.07	0.05
EPS (Diluted)	0.18	0.15	-0.15	0.07	0.05
EPS Growth	+24.3%	—	—	+23.8%	+122.7%
Dividend Per Share	0.09	0.07	—	—	—
Shares Change (YoY)	0	0.05	0.04	0.13	—
Shares Outstanding (Basic)	2.70B	2.69B	2.56B	2.45B	2.17B
Shares Outstanding (Diluted)	2.70B	2.69B	2.56B	2.45B	2.17B
Dividend Growth	+26.6%	—	—	—	—
Free Cash Flow	-3.91B	1.98B	-2.64B	-2.11B	1.77B
Free Cash Flow Margin	-414.5%	+246.1%	-6,811.1%	-434.1%	+454.2%
Free Cash Flow Per Share	-1.45	0.74	-1.03	-0.86	0.81
Payout Ratio	+39.5%	—	—	—	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	942.55M	805.75M	38.78M	485.73M	388.67M
Interest Income	1.13B	1.17B	1.21B	0.67B	0.71B
Interest Expense	750.36M	764.95M	702.25M	287.82M	232.05M
Pretax Income	548.39M	439.78M	-390.36M	162.07M	116.16M
Income Tax	48.35M	39.13M	—	—	—
Net Income	500.04M	400.65M	-390.36M	162.07M	116.16M
Net Interest Income	376.35M	407.43M	507.79M	386.13M	474.31M
Non-Interest Income	516.48M	325.08M	261.01M	170.33M	181.74M
Non-Interest Expense	412.43M	369.67M	369.98M	320.99M	284.54M
Loan Loss Provisions	-49.72M	-73.24M	730.02M	70.72M	267.38M
EPS (Basic)	0.18	0.15	-0.15	0.07	0.05
EPS (Diluted)	0.18	0.15	-0.15	0.07	0.05
DPS	0.09	0.07	—	—	—
Margins & Efficiency
Net Margin %	+53.1%	+49.7%	-1,006.6%	+33.4%	+29.9%
Revenue & Income
Revenue	942.55M	805.75M	38.78M	485.73M	388.67M
Revenue	942.55M	805.75M	38.78M	485.73M	388.67M
Revenue Growth (YoY)	+17.0%	+1,977.7%	-92.0%	+25.0%	+13.7%
Revenues Before Loan Losses	892.83M	732.51M	768.80M	556.45M	656.06M
Interest Income on Loans	1.13B	1.17B	1.21B	0.67B	0.71B
Net Interest Income	376.35M	407.43M	507.79M	386.13M	474.31M
Net Interest Income Growth (YoY)	-7.6%	-19.8%	+31.5%	-18.6%	+6.8%
Non-Interest Income Growth (YoY)	+58.9%	+24.5%	+53.2%	-6.3%	-6.7%
Total Non-Interest Income	516.48M	325.08M	261.01M	170.33M	181.74M
Other Non-Interest Income	422.96M	325.62M	295.94M	267.31M	94.84M
Gain (Loss) on Sale of Investments	93.52M	-0.54M	-34.93M	-96.98M	86.90M
Expenses & Provisions
Selling, General & Administrative	116.11M	94.82M	95.88M	68.99M	62.69M
Interest Paid on Deposits	750.36M	764.95M	702.25M	287.82M	232.05M
Total Non-Interest Expense	412.43M	369.67M	369.98M	320.99M	284.54M
Provision for Loan Losses	-49.72M	-73.24M	730.02M	70.72M	267.38M
Salaries and Employee Benefits	272.96M	251.41M	245.58M	225.11M	196.80M
Occupancy Expenses	23.36M	23.44M	28.52M	26.90M	25.05M
Asset Writedown	18.27M	3.70M	-59.16M	-2.67M	12.03M
Profitability & Returns
EBT Excluding Unusual Items	530.12M	436.08M	-331.20M	164.74M	104.13M
Pretax Income	548.39M	439.78M	-390.36M	162.07M	116.16M
Profit Margin	+53.1%	+49.7%	-1,006.6%	+33.4%	+29.9%
Net Income	500.04M	400.65M	-390.36M	162.07M	116.16M
Net Income to Common	500.04M	400.65M	-390.36M	162.07M	116.16M
Net Income Growth	+24.8%	—	—	+39.5%	+117.5%
Income Tax Expense	48.35M	39.13M	—	—	—
Effective Tax Rate	+8.8%	+8.9%	—	—	—
Per Share & Capital
EPS (Basic)	0.18	0.15	-0.15	0.07	0.05
EPS (Diluted)	0.18	0.15	-0.15	0.07	0.05
EPS Growth	+24.3%	—	—	+23.8%	+122.7%
Dividend Per Share	0.09	0.07	—	—	—
Shares Change (YoY)	0	0.05	0.04	0.13	—
Shares Outstanding (Basic)	2.70B	2.69B	2.56B	2.45B	2.17B
Shares Outstanding (Diluted)	2.70B	2.69B	2.56B	2.45B	2.17B
Dividend Growth	+26.6%	—	—	—	—
Free Cash Flow	-3.91B	1.98B	-2.64B	-2.11B	1.77B
Free Cash Flow Margin	-414.5%	+246.1%	-6,811.1%	-434.1%	+454.2%
Free Cash Flow Per Share	-1.45	0.74	-1.03	-0.86	0.81
Payout Ratio	+39.5%	—	—	—	—