Jordan Ahli Bank

What Jordan Ahli Bank does

Jordan Ahli Bank is a privately held commercial bank founded in 1955 and headquartered in Shmeisani, Amman, operating under the JAB Group structure. It is one of Jordan's oldest continuously operating financial institutions, providing a full-spectrum retail, corporate, SME, treasury, and investment banking platform to individuals, businesses, financial institutions, and government entities across all twelve Jordanian governorates plus a Cyprus regional operation. The bank segments its customer base into retail (current/savings/fixed-deposit accounts, personal/mortgage/auto loans, debit/credit/prepaid cards), corporate (overdrafts, syndicated and commercial loans, letters of credit and guarantee, documentary bills), SMEs (10.1% of total facilities in 2023, supported by a Green Business Package and "Anty" women-in-business program), specialized professionals (doctors, teachers, university professors), persons with disabilities (preferential rates from 3.625% on auto loans to 7.49% on personal loans), and green-finance customers (0% interest up to JOD 10,000). Treasury and investment services include wealth management, securities portfolio management, and a capital markets newsletter.

The technology platform is anchored by the ahli Mobile app and Ahli Online channels, enabling digital account opening in multiple currencies, transfers up to JOD 10,000 daily, card controls, loan management, and digital identity activation ("Sund"). Payments infrastructure integrates Apple Pay, Google Wallet, Tap to Pay (NFC), QR code payments, CliQ (alias-based interbank transfers), e-Fawateercom (bill payment), and MoneyGram (international remittances). The bank distributes through a hybrid model combining branches with extended hours at major malls (City Mall, Arabella Mall, Mecca Mall, Taj Lifestyle, Souq Bab Al Madina), an ATM network equipped for persons with disabilities, app-store distribution (iOS, Google Play, Huawei AppGallery), and the wholly-owned subsidiary stack — Ahli Brokerage (Amman Stock Exchange, established 2006, JOD 3M paid-up capital), Ahli Financial Leasing (vehicles, real estate, medical/industrial/alternative-energy equipment), Ahli Microfinance, and AHLI FINTECH.

Revenue is generated primarily through traditional interest income on personal, mortgage, auto, professional, and corporate lending, supplemented by transaction fees (account maintenance, wire transfers, card issuance), brokerage commissions via Ahli Brokerage, financial leasing rentals via Ahli Financial Leasing, and bancassurance commissions across the Hayati insurance program family. Pricing is segmented and partially disclosed, including preferential disability-rate loans, 0% green financing, and a 10% grocery cashback campaign for credit cardholders. Operating geographies span Jordan (primary), Cyprus (regional HQ), and Palestine; the bank is a member of the Jordan Deposit Insurance Corporation and is governed by Jordan's Personal Data Protection Law No. 24 of 2023, with reported ESG metrics including a 38% reduction in greenhouse gas emissions (2023), 88% local supplier spend, and a 4.5/5 governance maturity score.

Name

Jordan Ahli Bank

Legal name

Jordan Ahli Bank

Website

https://ahli.com

Company type

Private

Founded year

1955

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Jordan Ahli Bank is a privately held Jordanian commercial bank founded in 1955, offering retail, corporate, SME, treasury, and investment banking across Jordan, Cyprus, and Palestine through an extensive branch network, digital channels, and four wholly-owned subsidiaries covering brokerage, leasing, microfinance, and fintech.

Ownership category

akta.pro rank

Headquarters

HQ city

Amman

HQ country

Jordan

HQ region

Middle East

Offices14 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking revenue from interest charged on loans including personal loans, mortgages, auto loans, professional loans, and corporate lending facilities
2. Fees and Commissions: Banking service fees including account maintenance, transactions, wire transfers, card issuance and maintenance, and various commission-based services
3. Brokerage Services: Securities brokerage (stocks and bonds) through Ahli Brokerage subsidiary operating at Amman Stock Exchange, established 2006 with JOD 3 million paid-up capital
4. Financial Leasing: Equipment and property leasing through Ahli Financial Leasing subsidiary covering vehicles, real estate, medical equipment, industrial equipment, and alternative energy systems
5. Bancassurance: Banking-linked insurance products including Hayati, Hayati+, My Financial Security, My Success, My Critical Illness, and Sanctuary Life Insurance programs

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels9 records

Core offering

Jordan Ahli Bank is a full-service commercial bank providing retail and corporate banking products including deposit accounts, personal/mortgage/auto loans, credit and debit cards, trade finance, treasury and investment banking, wealth management, and securities brokerage. The bank distributes these offerings through an extensive Jordan branch network, Cyprus operations, and digital channels (ahli Mobile app, Ahli Online, and digital wallet). It also operates subsidiaries for financial leasing, microfinance, brokerage, and fintech innovation.

Product overview

Jordan Ahli Bank operates as a comprehensive banking platform offering a unified portfolio of personal, business, and investment banking products and services. The core offerings include deposit accounts (current, savings, fixed deposits), loan products (personal, mortgage, auto, and professional loans), and card services (debit, credit, and prepaid cards). Digital banking is delivered through the ahli Mobile app and Ahli Online platform, which integrate payment services like Apple Pay, Google Pay, CliQ, e-Fawateercom, and MoneyGram. The bank serves retail customers through programs like the "Anty" women-focused initiative and Xclusive premium banking, while corporate clients access overdraft facilities, syndicated loans, letters of credit, and trade finance. Investment services include wealth management, securities brokerage (via Ahli Brokerage subsidiary), and capital markets research. Specialized offerings include green loans for environmentally friendly products, microfinance through Ahli Microfinance subsidiary, financial leasing through Ahli Financial Leasing, and inclusive banking solutions for persons with disabilities. The bancassurance division offers life, critical illness, and financial security insurance products under the Hayati program brand.

Differentiator

Problem solved

Functional benefit

Brands

• ahli Financial Leasing: Financial leasing services for vehicles, real estate, medical equipment, industrial equipment, and alternative energy systems
• ahli Microfinance
• ahli Brokerage
• AHLI FINTECH
• ahli Mobile
• Xclusive Program
• Anty Program
• Green Bank

Products and services

• Ahli Mobile App Comprehensive mobile banking application enabling account management, transfers, bill payments, loan management, card controls, and digital identity activation for individual and business customers.
• Ahli Online Web-based online banking platform providing customers with digital access to banking services.
• Current Account Personal banking account for everyday transactions including checkbook access and international transfers, available in multiple currencies with digital account opening.
• Salary Transfer Account Account designed for customers with salary deposits from employers, typically with preferential terms and benefits.
• Savings Account Savings account with prize drawings and competitive interest rates for accumulating wealth.
• Fixed Deposit Account Term deposit account with guaranteed returns for locked-in savings periods.
• Personal Loans Unsecured personal loans for individual customers covering debt consolidation, home improvements, and general expenses.
• Real Estate/Mortgage Loans Long-term financing for purchasing or building residential properties with competitive rates.
• Car Loans (Finance & Go) Vehicle financing program for purchasing new or used cars with flexible repayment terms.
• Profession Loans (Teachers Program) Tailored financing solutions for teachers with preferential interest rates and terms.
• Ahli Doctors Program Specialized financial support program for healthcare professionals with customized loan products.
• University Professors Program Tailored financing solutions for academic professionals at universities.
• Green Loan Zero-interest financing for purchasing environmentally friendly products and services, up to JOD 10,000 with 48-month repayment and 100% product financing.
• Debit Card Card for ATM withdrawals and point-of-sale purchases linked to the customer's current or savings account.
• Credit Cards (Standard, Gold, World, World Elite) Range of credit cards across tiers offering cashback, rewards, travel benefits, airport lounge access, and installment plans.
• Online Shopping Card (Pre-Paid) Prepaid card for secure online shopping with controlled spending limits.
• Bancassurance (Hayati Programs) Insurance products distributed through the bank including Hayati life insurance, Hayati+ enhanced life insurance, My Financial Security, My Success, My Critical Illness, and Sanctuary Life Insurance programs.
• Xclusive Program Premium banking program for high-net-worth customers offering exclusive benefits and personalized services.
• Anty Program for Individuals Special program targeting women individuals with tailored banking products and services.
• Disability Solutions Banking Inclusive banking program offering preferential interest rates on personal loans (from 7.49%), mortgages (from 6.875%), and auto loans (from 3.625%) for persons with disabilities, plus 0% installment programs for medical and educational purposes.
• Overdraft Facilities Short-term borrowing facilities for corporate customers linked to their current accounts.
• Syndicated Loans Large-scale financing arranged by a group of banks for major corporate projects.
• Commercial Loans Financing solutions for business operations, expansion, and working capital needs of corporate clients.
• Letters of Guarantee Bank guarantees issued on behalf of corporate customers for various business obligations.
• Letters of Credit Trade finance instruments facilitating international transactions between buyers and sellers.
• Documentary Bills Documentary collection services for facilitating trade transactions.
• Commercial Discounted Bills Discounting service for commercial bills to provide immediate liquidity to businesses.
• SME Credit Cards Credit cards tailored for small and medium enterprise business expenses.
• Green Business Package Sustainable business financing and services for environmentally conscious enterprises.
• Anty Women in Business Program Specialized program supporting female entrepreneurs with tailored SME banking solutions.
• Trade Finance Solutions Comprehensive trade financing services for SMEs including letters of credit and documentary collections.
• Investment Banking Services Corporate finance advisory, capital markets services, and investment solutions for institutional clients.
• Wealth Management Comprehensive wealth management and investment advisory services for high-value clients.
• Ahli Brokerage Subsidiary providing securities brokerage services for trading stocks and bonds on the Amman Stock Exchange.
• Ahli Financial Leasing Subsidiary providing financial leasing solutions for vehicles, real estate, medical equipment, industrial equipment, and alternative energy systems.
• Ahli Microfinance Subsidiary offering microfinance services to support small businesses and entrepreneurs.
• AHLI FINTECH Wholly-owned fintech subsidiary focused on digital banking innovation and technology solutions.
• CliQ Money Transfer Instant peer-to-peer payment service for transferring funds between accounts at Jordanian banks using mobile numbers or aliases.
• MoneyGram International Transfers International money transfer service through MoneyGram network for cross-border remittances.

Quantifiable outcome

• 38% reduction in greenhouse gas emissions achieved in 2023
• +5 more outcomes

Named customers8 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• Ahli BrokeragecoreChannel Partner/ Reseller/ Distributor · 1 January 2006Wholly-owned brokerage subsidiary established in 2006 with JOD 3 million paid-up capital, providing securities brokerage (stocks and bonds) at Amman Stock Exchange. Has achieved advanced rankings among brokerage firms operating at ASE
• Deposit Insurance CorporationcoreOthersJordan Ahli Bank is a member of the Deposit Insurance Corporation, which provides deposit protection for customers' funds ensuring trust and regulatory compliance in the banking system
• Financial Ombudsman (Cyprus)coreOthersAlternative dispute resolution body that Jordan Ahli Bank works with for customer complaint escalation in Cyprus operations as required by law. Located at 15 Kypranoros Street, 1061 Nicosia
• AHLI FINTECHcoreTechnology or IntegrationWholly-owned fintech subsidiary of Jordan Ahli Bank focused on digital banking innovation and technology solutions (ahlifintech.com)
• Ahli Financial LeasingcoreChannel Partner/ Reseller/ DistributorWholly-owned subsidiary providing financial leasing services for vehicles, real estate, medical equipment, industrial equipment, and alternative energy systems
• Ahli MicrofinancecoreChannel Partner/ Reseller/ DistributorWholly-owned microfinance subsidiary (amc.com.jo) providing small-scale financing solutions to underserved segments

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Arab Bank: Arab Bank is Jordan's largest bank by assets and the most direct competitor to Jordan Ahli Bank. Both operate full-service commercial banking franchises spanning retail, corporate, SME, and treasury/investment services out of Amman, and both target the same Jordanian deposit and lending pool, making head-to-head comparisons on margins, market share, and product breadth highly relevant.
• Housing Bank for Trade and Finance: Housing Bank for Trade and Finance is one of Jordan's largest banks, offering retail, corporate, SME, and mortgage lending from Amman. It competes directly with Jordan Ahli Bank across personal loans, mortgages, and corporate facilities, and is among the closest domestic peers for benchmarking Jordan-specific banking economics.
• Bank of Jordan: Bank of Jordan is a major Jordanian commercial bank headquartered in Amman offering deposit, lending, and treasury services to retail, SME, and corporate clients. It competes with Jordan Ahli Bank across the same domestic customer segments and is a natural peer for evaluating branch productivity, deposit market share, and lending yield in Jordan.
• Cairo Amman Bank: Cairo Amman Bank is a Jordanian commercial bank providing retail, corporate, and trade finance services across the same governorate footprint as Jordan Ahli Bank. It competes directly in personal loans, SME financing, and corporate banking, making it a like-for-like benchmark for a mid-tier Jordanian commercial bank.
• Jordan Kuwait Bank: Jordan Kuwait Bank is a Jordan-headquartered commercial bank with regional (Kuwaiti) ownership, offering retail, SME, corporate, and treasury services. It mirrors Jordan Ahli Bank's domestic full-service model while illustrating the regional capital backing common among mid-tier Jordanian banks, making it a directly comparable peer.
• Capital Bank of Jordan: Capital Bank of Jordan is a Jordanian commercial bank offering retail, SME, corporate, and investment banking services from Amman. It competes directly with Jordan Ahli Bank for Jordanian deposits and corporate relationships and serves as a relevant peer for Jordan-specific growth, digital adoption, and NIM benchmarking.

Regional players

• Bank Audi: Bank Audi is a Lebanon-headquartered regional bank with operations across the MENA region including retail, corporate, and private banking. While it primarily serves the Lebanese market, its regional franchise offers a useful benchmark for evaluating how a mid-sized Levant bank scales corporate and wealth management outside its home market—a relevant comparison for Jordan Ahli Bank's Cyprus expansion path.
• National Bank of Kuwait: National Bank of Kuwait (NBK) is the largest bank in Kuwait with regional operations across the Middle East, offering retail, corporate, and treasury services. As a regionally dominant commercial bank, NBK provides a relevant regional benchmark for deposit mix, NIM, and digital banking investment that Jordan Ahli Bank can aspire to as it modernizes.

Broad incumbents

• Emirates NBD: Emirates NBD is one of the largest banking groups in the Middle East, operating a broad retail, corporate, Islamic, and investment banking franchise across the UAE and beyond. As a broad incumbent, it is not a direct competitor to Jordan Ahli Bank but serves as a benchmark for the scale, digital capabilities, and product breadth a MENA commercial bank can achieve over time.
• QNB Group: QNB Group is the largest bank in the Middle East and Africa, with operations in 30+ countries offering retail, corporate, and investment banking. It does not directly compete with Jordan Ahli Bank but represents the regional scale ceiling and a long-term trajectory benchmark for what a MENA-focused commercial banking franchise can become through international expansion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/jordanahlibank
• YouTubeyoutube.com/jordanahlibank
• Facebookfacebook.com/JordanAhliBank
• LinkedInlinkedin.com/company/jordan-ahli-bank
• Instagraminstagram.com/jordanahlibank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

Funding overview

Funding rounds3 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jordan Ahli Bank