The Central Bank of Jordan on Monday released its 2025 Financial Health Report, which aims to measure individuals’ ability to meet their needs, fulfill their financial obligations, achieve future financial goals, and their readiness to deal with unexpected financial shocks and recover from them.
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The report, based on a survey conducted according to international best practices, showed a continued improvement in the average financial health index for individuals, reaching 48% in 2025, compared with 46% in 2024 and 42% in 2023.
Regarding the distribution of financial health levels, the results indicated that the percentage of financially coping individuals rose to 65.6% in 2025, compared with 55.8% in 2024, an increase of 9.8 percentage points.
At the same time, the percentage of individuals experiencing weak financial health declined to 30.4% in 2025, compared with 38.5% in 2024, a decrease of 8.1 percentage points.
Meanwhile, the percentage of individuals with strong financial health recorded a slight decline to 4% in 2025, compared with 5.7% in 2024, a drop of 1.7 percentage points.
The report also indicated a notable improvement in borrowing practices and debt management among individuals during 2025 compared with previous years. This improvement was attributed to measures taken by the Financial Consumer Protection Department at the Central Bank to reduce the risks of excessive indebtedness, which positively reflected on individuals’ financial conditions.
It explained that these measures helped increase the percentage of individuals with manageable debt levels and good credit ratings, while the growing tendency of banks and finance companies to adopt a customer-focused approach also contributed to this improvement.
The report added that the Financial Consumer Protection Department prepared a guideline in 2025 to implement the customer-focused approach. The guide was published on the Central Bank’s official website, alongside a circular issued to banks and non-bank financial institutions on the matter.
