Arab Bank held its Ordinary General Assembly meeting online on March 26, 2026. The meeting was chaired by Mr. Sabih Masri, Arab Bank’s Chairman of the board of directors, and attended by members of the board, the Chief Executive Officer, and shareholders (in attendance and by proxy), representing approximately 80.32% of the bank’s capital. The meeting was also attended by Dr. Wael Armouti, the Companies’ Controller, along with representatives from the Central Bank of Jordan, and a representative of Deloitte & Touche – the bank's external auditor Mr. Ahmad Shtawi.
During the meeting, the recommendation by the Board of Directors to distribute a cash dividend of 40% for the year 2025 and all articles on the agenda were endorsed.
During the General Assembly meeting, a new Board of Directors was elected for Arab Bank for a four-year term, effective from the date of the meeting. The newly elected Board includes: H.E. Mr. Sabih Taher Masri, the Social Security Corporation, the Ministry of Finance, Saudi Arabia, H.E. Mr. Wahbe Abdallah Tamari, H.E. Mr. Khaled Sabih Masri, H.E. Mr. Shahm Munib Al-Wir, H.E. Mr. Sharif Mohdi Saifi, H.E. Dr. Nabil Hani Alqaddumi, H.E. Mr. Omar Monther Fahoum, H.E. Mr. Majed Qustandi Sifri, and H.E. Mrs. Nadia Abdelra’uof Rawabdeh. The new board collectively elected H.E. Mr. Sabih Masri as Chairman and Mr. Khaled Masri as Vice Chairman.
On this occasion, Mr. Sabih Masri - Chairman of the Board of Directors, highlighted that Arab Bank Group continued its record of achievements throughout 2025 despite exceptional global and regional conditions. The Group delivered solid results, reflecting sustained growth in operating profits across many of the regions in which it operates, alongside achieving sustainable value for shareholders, supported by the diversity of its business activities, products, funding sources, and revenue base.
Mr. Masri added the Group continued to strengthen its geographical footprint, noting that Arab Bank Iraq officially commenced its operations in 2025 through two branches in Baghdad, in addition to strengthening the bank's presence in Syria in light of positive developments, including meeting requirements to strengthening and increasing the capital of banks operating in both markets.
Mr. Masri affirmed the bank’s commitment to its social responsibility, noting that during 2025, the bank continued to focus on integrating sustainability in its most comprehensive sense across all activities, while further strengthening its leading role in social responsibility within the communities where the bank operates. The bank continued to support impactful projects and initiatives—specifically in the areas of health, education, poverty alleviation, orphan support, environmental protection, and women empowerment. He also pointed out the bank’s ongoing efforts to enhance the pioneering role of the Abdul Hameed Shoman Foundation in supporting scientific research and cultural enrichment.
Mr. Masri emphasised that, as Arab Bank embarks on a new phase in its journey, it will continue to execute its long-term strategic direction, driven by a clear and ambitious vision that places sustainable growth and value creation at the heart of its priorities. The bank will maintain a balanced approach between growth and enhancing customers’ value by leveraging emerging economic opportunities and strengthening its presence in high-potential markets, while adopting prudent policies that account for evolving regional and global dynamics. He further noted that the bank will continue to strengthen its core business segments and elevate operational efficiency by accelerating the pace of digital transformation and intensifying investments in Artificial Intelligence and data analytics, advancing wealth management services, and expanding its regional network, thereby building a sustainable competitive advantage and supporting its long-term strategic goals. In parallel, the bank will continue to invest in its human capital— the fundamental pillar of its success— by developing employees’ capabilities, attracting high-caliber talent, and equipping teams with the necessary skills required for future growth.
Mr. Masri also expressed his appreciation to the Central Bank of Jordan, for its pivotal role in sustaining the resilience and stability of the Jordanian banking sector, and reinforce its development. He also thanked all stakeholders and customers for their valuable trust, and to employees across all regions for their dedication and ongoing efforts, which remain the foundation of the bank's success and achievements.
For her part, Ms. Randa Sadik, Chief Executive Officer of Arab Bank, stated that The Group recorded strong financial performance in 2025, achieving growth across various business lines despite ongoing economic and financial challenges at both regional and global levels. She highlighted that the bank's net profit after tax and provisions reached USD 1,130.4 million, compared to USD 1,007.1 million in 2024, reflecting a growth of 12%. Furthermore, the Group maintained a robust financial position, with total equity standing at USD 13.2 billion.
Ms. Sadik added that Arab Bank Group continued its growth throughout 2025, underpinned by its robust financial position and an extensive network spanning numerous countries. Total assets grew by 10% to reach USD 78.2 billion, while total operating revenue grew by 6% to around USD 3.6 billion. Similarly, the total loan portfolio increased by 8% to reach USD 41.2 billion, and customer deposits grew by 10% to reach USD 57.2 billion.
Ms. Sadik further emphasized that the strong results achieved by Arab Bank Group in 2025 were driven by significant growth in diversified income sources across from various sectors and its main business markets, coupled with a disciplined approach to managing costs and risks. The Group achieved solid growth in net operating profit, driven by an increase in net interest and commission income resulting from improved lending levels, efficient liquidity management, and diversified funding sources, while leveraging the Group's wide spread presence in numerous markets.
Ms. Sadik also highlighted that the bank continued to record strong performance indicators, alongside improvements in the credit portfolio quality, with the coverage ratio for non-performing loans exceeding 100% (excluding collateral value). The Group also maintained solid liquidity levels, with a loan-to-deposit ratio of 72%, and a strong capital base predominantly composed of Tier 1 capital. The capital adequacy ratio stood at 17% according to Basel III standards, well above the minimum requirement set by the Central Bank of Jordan.
Across its operational activities, the Group's business segments achieved qualitative milestones reflecting ongoing transformation and development across various fields. In corporate banking, the digital ecosystem was enhanced through the launch of advanced supply chain finance solutions and cash management services. Within the consumer banking and wealth management sectors, the year witnessed the launch of private banking services in Jordan and the introduction of innovative investment products. This coincided with the successful completion of the merger between (Banque Gonet & Cie SA) - owned by Arab Bank Switzerland - and the Swiss (Bank ONE), as part of the bank's strategy to strengthen its wealth management and private banking services. This strategic move has contributed to an increase in assets under management (AUM) for the customers of Arab Bank - Switzerland Group. The Group also commenced operations in Iraq through Arab Bank Iraq, supporting its regional expansion, while reactivating its operations in Syria.
Ms. Sadik also noted that the bank continues to advance its digital transformation by developing solutions powered by Artificial Intelligence (AI) across all workstreams, enhancing performance and mitigating operational risks. This is further supported by the deployment of an integrated digital ecosystem that provides a seamless and interactive banking experience, catering to our customers' daily needs across various life stages and providing comprehensive financial solutions that align with the bank's customer first approach.
It is worth noting that Arab Bank received several prestigious international awards during the year of 2025. Most notably, the bank was named (Best Bank in the Middle East for 2025) by (Global Finance) magazine, and (Bank of the Year in the Middle East and North Africa 2025) by (MEED) magazine, in recognition of the bank's performance and its leading role across the region. Furthermore, the bank received the (Middle East Technology Award for 2025) from the renowned (The Banker) magazine owned by the (Financial Times Group), acknowledging the bank's continuous efforts and leadership in innovation and the provision of advanced digital services and solutions to its customers.