Ajman Bank PJSC Reports Significant Growth: A Detailed Financial Analysis
Ajman Bank PJSC has released its financial results for the nine-month period ending September 30, 2025, showcasing substantial growth and strategic advancements.
Summary
Ajman Bank PJSC reported a 32% increase in profit before tax for the first nine months of 2025, reaching AED 414 million. The bank's strategic growth initiatives and robust financial performance highlight its promising trajectory.
Ajman Bank PJSC Reports Significant Growth: A Detailed Financial Analysis
Ajman Bank PJSC has unveiled its financial performance for the nine-month period ending September 30, 2025, demonstrating a robust growth trajectory. The bank reported a profit before tax of AED 414 million, marking a 32% increase compared to the same period last year. Profit after tax was AED 380 million, up 31% year-on-year.
Key Financial Performance Indicators
| KPI | 2025 (9M) | 2024 (9M) | Change |
|---|---|---|---|
| Profit Before Tax | AED 414 million | AED 313 million | 32% |
| Profit After Tax | AED 380 million | AED 290 million | 31% |
| Total Operating Income | AED 1.2 billion | AED 1.1 billion | 9% |
| Net Operating Income | AED 660 million | AED 616 million | 7.1% |
| Total Assets | AED 28.0 billion | AED 24.4 billion | 14.8% |
| Customer Deposits | AED 20.6 billion | AED 20 billion | 3% |
| Shareholders' Equity | AED 3.4 billion | AED 3.0 billion | 13.3% |
| Capital Adequacy Ratio (CAR) | 16.9% | 18.2% | -1.3% |
| Tier 1 Capital Ratio | 15.8% | 17.0% | -1.2% |
| Return on Equity (ROE) | 15.6% | 12.9% | 2.7% |
| Return on Assets (ROA) | 2.0% | 1.8% | 0.2% |
| Non-Performing Loans (NPL) Ratio | 7.7% | 9.9% | -2.2% |
Analysis and Conclusion
The latest financial results of Ajman Bank PJSC reflect a strong operational performance and strategic growth. The increase in profit before tax by 32% and the substantial rise in total operating income highlight the bank's effective execution of its business strategy. The decrease in the Non-Performing Loans (NPL) Ratio to 7.7% from 9.9% indicates improved asset quality and effective risk management.
Ajman Bank's capital and liquidity positions remain robust, with a Capital Adequacy Ratio of 16.9% and a Tier 1 Capital Ratio of 15.8%. Although there is a slight decrease in these ratios compared to the previous year, the bank continues to maintain a healthy balance sheet with a significant increase in total assets and customer deposits.
For investors, Ajman Bank's performance suggests a stable and promising financial outlook. The bank's focus on digital transformation and operational efficiency is expected to drive sustainable growth and long-term shareholder value.
Source
Summary
Ajman Bank PJSC has released a review report and condensed consolidated interim financial information for the nine-month period ending on September 30, 2025.
