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.