Ajman Bank Reports Record Profit in 2025 Amidst Strategic Expansion
Summary
Ajman Bank's 2025 financial performance demonstrates significant growth, marked by a 25% increase in net profit before tax. The bank's strategic initiatives have bolstered revenue, operating income, and asset quality, positioning it strongly for future growth.Ajman Bank's 2025 Financial Performance: A Year of Record Growth
Ajman Bank PJSC has announced its financial results for the year ending December 31, 2025. The bank reported a net profit before tax of AED 548 million, reflecting a 25% increase from the previous year. This growth is attributed to disciplined execution of its strategic priorities and robust performance across core business segments.
Key Performance Indicators (KPIs)
| KPI | 2025 | 2024 | Change (%) |
|---|---|---|---|
| Revenue | AED 1.7 billion | AED 1.54 billion | 10% |
| Operating Income | AED 899 million | AED 736 million | 22% |
| Net Income | AED 500 million | AED 440 million | 25% |
| Earnings per Share | N/A | N/A | N/A |
| Debt Ratio | N/A | N/A | N/A |
| Interest Coverage Ratio | N/A | N/A | N/A |
Analysis and Comparison with Previous Years
Ajman Bank's total revenue increased by 10% to AED 1.7 billion, driven by income diversification and strong performance in key segments. The operating income saw a significant rise of 22%, indicating improved cost discipline and operational efficiency.
The bank's total assets grew by 44% to AED 32.9 billion, supported by a 39% increase in customer financing and a 40% rise in customer deposits. This expansion underscores a stable and diversified funding base.
Asset quality improved significantly, with the non-performing financing ratio declining to 7%, showcasing effective credit-risk management.
Conclusion
Ajman Bank's 2025 performance highlights its strategic growth and operational resilience. The bank's focus on revenue diversification, cost management, and asset quality has positioned it well for sustainable growth. For investors, the consistent profitability and robust balance sheet present a promising outlook.
