Jordan Ahli Bank caters to various customer segments by offering innovative and efficient banking services. The Bank is dedicated to exceptional customer service, which is core to its identity and culture. It strives to embody the values of excellence, specialization, creativity and innovation in all of its products and services to meet customers' changing demands.

3. 3

4. 4

5. Jordan Ahli Bank caters to numerous segments of the market. It offers innovative and efficient
services that deliver added value to meet a diverse range of banking needs with speed while
achieving the highest level of customer care and satisfaction.
The Bank’s customer dedication and commitment to exceptional service is at the very core of the
Bank’s identity and culture. Jordan Ahli Bank strives to embody the values of “excellence and
specialization” in all the services and products it offers, both banking and non-banking, and the
values of “creativity and innovation” which drive the Bank’s strategy of adapting and growing to
meet the changing demands of customers.
5

6. 6

7. Vision
Mission
Values
•
•
•
•
•
•
7

8. 8
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•

9. 9

10. 10
•
•
•
•
•
•
•
•

11. Corporate
Governance
Committee
Audit Committee
Risk and
Compliance
Committee
Nominations and
Remunerations
Committee
Board Facilities
(Executive)
Committee
Strategies &
Information
Technology
Committee
11

12. 12

13. 13

14. 14

15. 15

16. 16
14 1
2
71
7
1
1
1 12
2
1
4
Egypt Hong Kong India
Jordan Lebanon Nigeria
Saudi Arabia Sweden Tunisia
UAE UK USA
Total
117

17. 17

18. 18

19. 19
•
•

20. 20

21. 21

25. •
•
•
•

26. 26

27. 27
•
•
•
•

28. 28
2018 2019 2020

29. 29
2019 2020

30. 2018 2019 2020
30
•
•

31. •
•
•
31
2018 2019 2020
2018 2019 2020

32. 32
75%
8%
11%
6%

33. 33

34. 34
•
•
-
100
200
300
400
500
Real Estate Trade Individuals Financial, Public Facilities and Services Industrial
Millions
2018 2019 2020

35. 35
2018 2019 2020 2018 2019 2020
2018 2019 2020 2018 2019 2020

36. m
36
Balance and
deposits at
banks and FIs
6.58%
Other
8.77%
Cash and
Balance at
Central Banks
6.74%
Investments
29.7%
Loans
48.2%
Equity
3.17%
Bonds
96.83%

37. 37

38. 38
22.2%
9.2%
52.0%
16.5%
0.2%
2018 2019 2020

39. •
•
39
2018 2019 2020

40. 40

41. 41

42. 42

43. 10.4%
0.9%
-0.8% -0.8%
3.7%
-0.9%
0.9% 1.0%
-2.1%
-1.0%
-10.6%
-3.7%
0.0%
4.1% 3.7%
43
2017 2018 2019 2020 2021

44. •
44

45. • Ample funding and liquidity ratios, as was the case with other Jordanian banks, underpinned by a diversified customer
deposit base
• Sound and increasing CAR, with a high Tier 1 component.
• Adequate loan asset quality, following decline in NPL ratio and rise in LLR cover.
• Established business franchise in Jordan.
• High concentration in Jordanian government debt (although denominated in local currency).
• Comparatively high related party lending.
• Moderate operating profitability pressured by high cost structure.
• Challenging operating environment, together with high credit and geopolitical risks (in common with other Jordanian
banks).
45

46. •
•
•
•
•
•
•
•
•
•
46

47. 47

48. 48

49. ❖
❖
❖
❖
❖
❖
❖
❖
❖
❖
❖
49
2010
2014
2015
2016
2017
2018

51. 51