The General Assembly of shareholders of Housing Bank for Trade and Finance (HBTF), during its ordinary meeting held on 23 April 2026, approved the financial statements for the fiscal year 2025, including the Board of Directors’ recommendation to distribute cash dividends equivalent to 30% of the nominal share value to shareholders for 2025.
اضافة اعلان
Shareholders also approved the Board of Directors’ report for 2025, the bank’s future plan for 2026, the auditors’ report for 2025, and the appointment of PricewaterhouseCoopers (PwC) as the bank’s external auditor for 2026.
The meeting was chaired electronically by Chairman of the Board, Mr. Abdel Elah Al-Khatib, and was attended by shareholders in person and by proxy, representing (90.443%) of the bank’s capital. Also in attendance were the General Controller of Companies, representatives from the Central Bank of Jordan and the Palestine Monetary Authority, as well as representatives of the bank’s auditors for fiscal year 2025, PwC.
During the meeting, Al-Khatib said the bank continued strengthening its strategic position within the Jordanian banking sector throughout 2025 through a disciplined and transparent governance framework aligned with international standards. He noted that the bank also continued providing advanced banking services, innovative financial solutions, and impactful initiatives for individuals and businesses that address client needs and enhance their overall banking experience.
Al-Khatib highlighted the group’s continued growth across key financial indicators, including achieving exceptional net profits, the highest since the bank’s establishment, amounting to JOD 157.7 million after provisions and taxes, compared with JOD 150.3 million in 2024, reflecting a growth rate of 5%.
He added that total assets grew by 1.8% to reach JOD 9.4 billion by the end of 2025, accounting for 11.2% of total assets in the Jordanian banking sector. Total equity reached JOD 1.5 billion, while return on shareholders’ equity stood at 11.2% for 2025. The capital adequacy ratio reached 18.9% at year-end, while the legal liquidity ratio stood at 126.3%. Both exceed the minimum regulatory requirements set by the Central Bank of Jordan and the Basel Committee, reflecting the group’s strong and resilient financial position.
These achievements were further reflected in growing investor confidence, as the bank’s share price increased by 32.6%, reaching JOD 4.430 at the end of 2025 compared with JOD 3.340 at the end of 2024.
Al-Khatib also highlighted several milestones achieved during 2025 in line with the bank’s strategic objectives, including leading syndicated financing efforts to support national projects and infrastructure development. In this context, the bank signed an agreement with the National Carrier Project Company to arrange a syndicated loan of up to USD 1.1 billion. The financing will support a key national project that includes the construction of a Red Sea desalination plant and the transportation of desalinated water through pumping stations, transmission lines, and pipelines extending approximately 450 km from Aqaba to Amman. The project aims to supply nearly 300 million cubic meters of potable water annually to Aqaba, Amman, and other cities, enough to meet the needs of approximately four million citizens each year.
As part of the bank’s strategy to integrate sustainability into its core operations, Al-Khatib said Housing Bank further strengthened its role in green financing during 2025 by directing investments toward environmentally friendly projects, supporting the transition to renewable energy, and balancing economic growth with environmental sustainability. He also emphasized the bank’s continued support for small and medium-sized enterprises, describing the sector as a key driver of economic growth and innovation. In cooperation with local and international partners, the bank introduced flexible financing programs featuring competitive interest rates and convenient repayment terms.
Al-Khatib also reaffirmed the group’s commitment to community development and sustainability, noting that Housing Bank intensified its social responsibility efforts throughout 2025 by supporting social, educational, humanitarian, and charitable initiatives while reinforcing values of cooperation and community engagement.
He further noted that the Board of Directors approved the group’s five-year strategic plan for 2026–2030, which will serve as a roadmap for comprehensive development and a framework for driving a qualitative transformation in institutional performance.
Built around five key pillars and aligned with global best practices, the strategy aims to direct resources toward high-impact priorities. It also places strong emphasis on innovation, continuous development, and digital transformation as key drivers of sustainable excellence and the advancement of innovative banking solutions.
Accordingly, the bank prepared its estimated budget and operational plan for 2026 based on assumptions and projections aimed at strengthening its leadership position in the banking sector, achieving sustainable profit growth, and increasing market share.
In addition, Al-Khatib noted that the region continues to face complex challenges stemming from the recent war, along with resulting security threats and economic repercussions. He emphasized that Jordan, under the leadership of His Majesty King Abdullah II Ibn Al Hussein, has addressed these challenges with wisdom and efficiency in order to safeguard the country’s interests and protect its citizens. He expressed hope for continued stability and prosperity for Jordan and neighboring Arab Gulf countries, and for successfully overcoming the consequences of these challenges while continuing the path of development and progress.
At the conclusion of the meeting, Al-Khatib expressed his appreciation to official institutions, the Central Bank of Jordan, the Jordan Securities Commission, and the Companies Control Department for their continued support of the Jordanian banking sector and their role in serving the national economy. He also thanked the members of the Board of Directors for their efforts, shareholders for their continued support, and the bank’s depositors and customers for their trust. He further extended his appreciation to the executive management team for their dedication and reaffirmed the bank’s commitment to contributing to Jordan’s progress, supporting strategic national projects, and strengthening the Kingdom’s economy under the leadership of His Majesty King Abdullah II Ibn Al Hussein.
