Ajman Bank's Profits Surge by 32% in 2025
Ajman Bank PJSC has reported a significant financial performance for the first nine months of 2025, showing a 32% increase in profit before tax.
Summary
Ajman Bank reported a 32% rise in profit before tax for the first nine months of 2025, driven by strong asset growth and strategic execution.
Ajman Bank PJSC, a prominent financial institution in the United Arab Emirates, has announced impressive financial results for the first nine months of 2025. Under the leadership of His Highness Sheikh Ammar bin Humaid Al Nuaimi, the bank reported a profit before tax of AED 414 million, marking a 32% increase compared to the same period last year. This robust performance underscores the bank's effective strategy and its pivotal role in the UAE's financial landscape.
The bank's total operating income reached AED 1.2 billion, with a net operating income of AED 660 million, reflecting strong performance across its core business segments. The bank's strategic focus on sustainable economic development and value creation is evident in its growing contribution to the wider community.
Ajman Bank's total assets rose by 23% to AED 28.0 billion, supported by a 20% increase in total financing to AED 18.5 billion. Customer deposits grew by 14% to AED 20.6 billion, while shareholders' equity increased by 8% to AED 3.4 billion. These figures highlight the bank's continued balance-sheet growth and stable funding momentum.
The bank maintains a strong capital and liquidity position, with a Capital Adequacy Ratio (CAR) of 16.9% and a Tier 1 Capital Ratio of 15.8%. The Return on Equity (ROE) improved to 15.6%, and the Return on Assets (ROA) reached 2.0%. The Cost-to-Income Ratio stood at 44.8%, reflecting ongoing investments in technology and digital transformation.
Ajman Bank's asset quality has also improved, with the Non-Performing Loans (NPL) Ratio declining to 7.7% and the Real Estate Ratio reduced to 31.9%. This improvement is supported by effective credit-risk management and portfolio diversification.
Mustafa Al Khalfawi, CEO of Ajman Bank, emphasized the bank's operational strength and consistent delivery against strategic priorities. The bank continues to focus on enhancing efficiency, optimizing its balance sheet, and expanding its digital ecosystem to drive sustainable growth and long-term stakeholder value.
Given the bank's strong performance and strategic initiatives, investors might consider holding their positions in Ajman Bank. The bank's focus on sustainable growth and digital transformation positions it well for future opportunities in the financial sector.
Source
Summary
Ajman Bank, chaired by His Highness Sheikh Ammar bin Humaid Al Nuaimi, reported a profit before tax of AED 414 million for the first nine months of 2025, marking a 32% increase from the previous year. Profit after tax was AED 380 million, up 31% year-on-year. Total operating income was AED 1.2 billion, with net operating income at AED 660 million, reflecting strong performance and effective growth strategy execution. The bank's total assets increased by 23% to AED 28.0 billion, driven by a 20% rise in total financing to AED 18.5 billion and a 14% growth in customer deposits to AED 20.6 billion. Shareholders' equity rose by 8% to AED 3.4 billion. Capital and liquidity positions remained robust, with a Capital Adequacy Ratio of 16.9% and a Tier 1 Capital Ratio of 15.8%. Return on Equity improved to 15.6%, and Return on Assets reached 2.0%. The Cost-to-Income Ratio was 44.8%. Asset quality improved, with the Non-Performing Loans Ratio declining to 7.7% and the Real Estate Ratio reduced to 31.9%. CEO Mustafa Al Khalfawi highlighted the bank's operational strength and focus on efficiency, balance sheet optimization, and digital ecosystem expansion.
