Ajman Bank PJSC, a leading financial institution in the United Arab Emirates, has reported a stellar financial performance for the year 2025. Under the leadership of H.H. Sheikh Ammar bin Humaid Al Nuaimi, the bank achieved a record-breaking net profit before tax of AED 548 million, representing a 25% increase compared to the previous year. This impressive growth is a testament to the bank's strategic direction and disciplined execution across its core operations.

In a meeting chaired by Sheikh Ammar, the Board of Directors reviewed the bank's financial and strategic matters, highlighting a year marked by sustained momentum and robust financial results. The bank's net profit after tax also rose by 25% to AED 500 million, demonstrating consistent profitability and strong operational leverage.

Ajman Bank's total revenue expanded to AED 1.7 billion, a 10% year-on-year growth, attributed to steady performance across key business segments and continued income diversification. The bank's non-funded income saw a sharp increase of 37%, contributing significantly to the overall revenue and reinforcing its earnings quality and long-term resilience.

CEO Mustafa Al Khalfawi expressed confidence in the bank's strategic priorities, emphasizing focused growth, operational discipline, and revenue diversification. These efforts have strengthened the bank's performance and resilience, positioning it as a future-ready institution committed to delivering sustainable value for shareholders and customers alike.

The bank's balance sheet growth remained robust, with total assets increasing by 44% to AED 32.9 billion. Customer financing rose by 39% to AED 21.4 billion, while customer deposits grew by 40% to AED 26.6 billion. This growth was supported by a 28% increase in CASA balances, reinforcing a stable and diversified funding base. Moreover, the bank's asset quality improved, with the non-performing financing ratio declining to 7%.

Considering the bank's strong financial performance, improved asset quality, and strategic focus on sustainable growth, investors may view Ajman Bank as a promising opportunity. The proposed 50% cash dividend further enhances shareholder value, making it an attractive proposition for investors seeking stable returns. Therefore, the recommendation is to buy Ajman Bank shares, as the bank is well-positioned for continued success in the coming years.