international network

Jordan maintained economic stability and resilience despite regional tensions and global economic uncertainty in 2025, achieving an expected growth rate of 2.7% and a low inflation rate of 1.8%. Prudent monetary policies have supported both the national economy and the local banking sector, which remained strong, stable and profitable during the reporting period.

Against this promising backdrop, alrajhi bank – Jordan (ARBJ) recorded steady growth of its core business reinforcing its competitive market position in the Hashemite Kingdom. Customer deposits increased by 6.4% during the year, demonstrating an improving liquidity position, and strong, growing customer confidence in ARBJ.

Innovation through digital transformation

Following the successful implementation of ARBJ’s new digital Core Banking System (CBS) in 2024, and its subsequent deployment of retail and corporate digital banking platforms, significant progress was achieved in digital transformation in 2025 across products and customer services. The overseas branch launched several innovative solutions aimed at enhancing banking services by leveraging its new digital infrastructure and capabilities; Having introduced an extensive list of digital payment options including Apple Pay, DOB and Jordan’s own instant pay system CliQ through the alrajhi Mobile JO app earlier, ARBJ became the first bank in Jordan to launch Google Pay during the year in review, marking a milestone in digital payment solutions in the Hashemite Kingdom. The service was further expanded into instant cross-border payments via a new, enhanced CliQ service during the year. ARBJ also enabled cardless deposits through ATMs to enhance convenience and accessibility. Time deposits and credit card management was digitised to simplify account opening, renewal and approval processes.

In 2025, the bank recorded the opening of over 7,000 new digital accounts, with total deposits amounting to JOD 5 Mn., a 75% YoY increase in account openings and a significant 250% increase in deposit volumes. At the close of the year in review, over 35,000 ARBJ customers were registered on its mobile app and internet banking platforms. ARBJ’s Merchant Acquiring Service also continued to provide in-store and online payment acceptance solutions to local merchants during the reporting period, with its POS network expanding to cover over 1,000 merchants.

The implementation of the CBS at the Jordan branch also saw corresponding back-end technological upgrades and advancements to ensure benchmark levels of data protection and security. This experience and deep insight saw ARBJ participating in the Cybersecurity Awareness Competition in 2025 organised by CBJ, with the overseas branch ranked third among the top financial institutions in the Hashemite Kingdom.

Overall, the many digital transformations and technological advancements carried out during the reporting period improved operational efficiencies, accelerated processes, reduced dependency on paper-based transactions, and collectively reinforced alrajhi bank’s position as a leading innovator in Jordan’s banking sector.

Understanding and meeting customer needs

During the reporting period, ARBJ collaborated with alrajhi group’s IT subsidiary, Ejada, to upgrade its Customer Relationship Management (CRM) and Customer Experience (CX) measurement systems. The upgraded platform has been successfully launched, enabling the branch to enhance customer data analysis and service quality. Additional capabilities including Host-to-Host integration are planned to be rolled out over the coming months to further centralise data and optimise customer interactions based on performance indicators.

In 2025, the Jordan branch introduced a range of new products and services, adapting to evolving customer needs and further enriching their banking experience. Key launches included:

A decline in customer borrowing appetite during the year was swiftly addressed by ARBJ with the launch of targeted campaigns, aimed to address specific gaps and emerging needs in the market. This comprised a personal financing campaign to attract new customers with a suite of personal financing solutions including personal loans, goods financing and loan buyouts, as well as a successful housing financing campaign to support homeownership and residential investment in Jordan. ARBJ also continued to interact with customers across multiple social and digital channels through several initiatives throughout the year, including a Ramadan competition titled ‘From You and For You’, with winners selected and announced across social media platforms.

Leveraging group synergies

Following the organisational restructuring and the unification of international branches under a single management, greater collaboration has been achieved in reflecting the bank’s identity across the Jordan branch, be it strategically, across all products, as well as in other operational aspects. This integration has enabled the overseas branch to benefit from group synergies and best practices, applying them where needed, which has positively impacted overall performance. Unified external branch management also allowed each international branch greater flexibility in credit decision making.

By leveraging group synergies, ARBJ also sustained growth in its FX business, generating JOD 836,521 in FX income in 2025, while advancing cross-border initiatives, including CliQ cross-border payments and group clearing activities, to support international business growth.

Attracting, retaining and developing top talent

ARBJ continued to facilitate comprehensive training programmes for its employees, delivering courses across diverse fields and through multiple channels, in order to equip its growing workforce with essential technical, behavioural, and regulatory skills. Structures and job descriptions were further revised during the year to ensure alignment with evolving business needs. Employee engagement continued to be a priority for the overseas branch, with a number of internal initiatives and activities launched to encourage participation and interaction among employees, and foster a deeper connection to the workplace. Efforts also continued to automate HR operations, enhancing efficiency and employee experience. A semi-annual performance review process was introduced to improve assessment and feedback mechanisms. During the year in review, communication and alignment with the Human Resources Department at the head office was increased, enabling the exchange of expertise and best practices to strengthen HR’s role across the group.

The reporting period also saw a number of new leadership hires at ARBJ, key among them were appointments for the positions of Head of Information Technology and Head of Support Services, collectively enhancing the quality of services delivered to ARBJ customers. A new Executive Director of Shariah Compliance was also appointed at the overseas branch to ensure stronger adherence to Islamic principles and regulatory requirements. A new Head of Retail Banking and Branches Group joined ARBJ’s leadership ranks at the close of 2025, with the addition expected to positively influence the overseas branch’s performance in the coming year, driving increased sales and profitability.

The Jordan branch continues to build a strong pipeline of future talent, providing graduates with hands-on experience and eventual full-time roles within the bank. During the year in review, ARBJ also focused on internal staffing efforts, providing employees with broader opportunities for career progression, and optimising the existing human resources.