Capital Bank Group

What Capital Bank Group does

Capital Bank Group is a publicly listed Jordanian banking holding company headquartered in Amman, operating primarily through its principal subsidiary Capital Bank of Jordan. Founded in 1995–1996, the bank serves retail consumers, SMEs, commercial corporates, large corporates, financial institutions, and government/quasi-government entities across Jordan and Iraq, with a Capital Private Banking service for high-net-worth individuals. Its wholly-owned Capital Investments subsidiary delivers investment banking — corporate finance advisory (ECM, DCM, M&A, Islamic finance, project finance), brokerage (Capinvest Trader and Capinvest Forex), and asset management across money markets, fixed income, equities, real estate, and Sharia-compliant products, managing over $700M in assets.

The bank operates a multi-channel distribution platform: 20+ branches across Amman (Abdali headquarters, Abdoun, Gardens, Madina Munawara, Dabouq, Jubaiha, Free Zone, Shumeisani, Zahran, Mecca Mall, Sweifiyeh, Jabal Al Hussein), Aqaba, Irbid, Zarqa, Fuhais, and Taj Mall; an iOS/Android/Huawei mobile app; Capital Bank Business Online for corporates; an Open Banking developer portal at develop.api.capitalbank.jo; and an ATM network running Diebold Nixdorf VCP-Pro 7 on Windows 11 — a regional first in the APMEA region. Card products span Visa Platinum, Signature, and Infinite tiers with limits from JOD 2,500 to JOD 50,000; merchant acquiring is delivered via Capital POS, an ecommerce gateway, and SoftPOS.

Monetization combines net interest income (personal, housing, auto, land, and corporate credit facilities), fee and commission income (account servicing, cards, wire transfers, trade finance, FX), investment banking fees, treasury and FX trading revenue, and bancassurance distribution commissions. Customer acquisition is sales-led through direct branch relationships, dedicated institutional relationship managers, and partnership-driven marketing (Orange Jordan 'Inspiring Change,' SOS Children's Villages Jordan, APN tree-planting). Strategic capital backing from Saudi Arabia's Public Investment Fund (23.97% stake, $185M, 2022), the EBRD consortium ($135M subordinated loan, October 2025), and the Abu Dhabi Exports Office (Dh73.4M, May 2026) underpins a multi-year program to bolster Tier II capital, expand MSME and green lending, and extend cross-border presence.

Name

Capital Bank Group

Legal name

Capital Bank of Jordan

Website

https://capitalbank.jo

Company type

Public

Founded year

1996

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Capital Bank Group is a publicly listed Jordanian banking holding company serving retail, SME, corporate, financial-institution, and government clients in Jordan and Iraq through Capital Bank of Jordan plus investment banking via its Capital Investments subsidiary managing $700M+ in AUM.

Ownership category

akta.pro rank

Product category

Commercial and Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

Commercial Banks, Nec (6029)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), Corporate Finance Advisory (Strategic Finance, Capital Structure & Recaps) (FSAEAGAE), Middle-Market Lending (FSANADAI)

Keywords

• Commercial banking
• Retail banking
• Investment banking
• Corporate finance
• Wealth management

Headquarters

HQ city

Amman

HQ country

Jordan

HQ region

Middle East

Offices18 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including personal loans, housing loans, auto loans, land loans, and credit facilities for institutional clients.
2. Fee and Commission Income: Fees from account maintenance, card issuance and management, wire transfers, trade finance services, and foreign exchange transactions.
3. Investment Banking Services: Revenue from corporate finance advisory, equity and debt capital markets, mergers and acquisitions, brokerage commissions, and asset management fees through Capital Investments subsidiary.
4. Trade Finance: Income from trade finance facilities and services for institutional clients including letters of credit, guarantees, and documentary collections.
5. Treasury and Foreign Exchange: Revenue from treasury operations, foreign exchange trading, and fixed income securities investments.
6. Bancassurance: Insurance products distributed through banking channels, generating commission income.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels6 records

Core offering

Capital Bank Group is a Jordan-based bank providing retail, commercial, and investment banking services. It serves individual consumers, SMEs, large corporates, and financial institutions through branch and digital channels, and operates a brokerage and asset management subsidiary (Capital Investments). The group also has operations in Iraq.

Product overview

Capital Bank Group operates as a comprehensive financial services institution offering personal banking, institutional/corporate banking, and investment banking through its Capital Bank of Jordan subsidiary. The product portfolio includes a unified digital banking platform accessible via mobile application and Open Banking Portal, complemented by specialized investment services through Capital Investments (brokerage, asset management, corporate finance). The core banking products span multiple segments including consumer banking programs (Capital Select, Capital Advance, Capital Everyday, Capital Private Banking), credit and debit card offerings (Visa Infinite, Visa Signature, Visa Platinum tiers), savings and current accounts with prize-linked products (Gold Road Savings), and merchant payment solutions (Capital POS, Ecommerce Gateway, SoftPOS). Institutional services cover SME, commercial, large corporate, and financial institution segments with specialized programs including Capital Start and Iraq Advisory. Investment banking includes equity/debt capital markets, M&A advisory, Islamic finance, and project finance advisory. Asset management services manage over $700 million across equities, fixed income, real estate, and ETFs with Sharia-compliant options. The bank also offers Treasury Management, Trade Finance, and dedicated trading applications (Capinvest Trader, Capinvest Forex) for regional and international market access.

Differentiator

Problem solved

Functional benefit

Brands

• Capinvest Trader: Trading application for regional and international markets
• Capinvest Forex
• Capital Rewards
• Capital Private Banking
• Capital Select
• Capital Advance
• Capital Everyday
• Capital MD

Products and services

• Personal Banking Banking products and services tailored for individual consumers, including deposit accounts, consumer lending, and payment cards such as Visa Infinite, Signature, and Platinum.
• SME Banking Banking services designed for small and medium-sized enterprises, including working capital finance, trade services, and tailored lending solutions.
• Corporate and Institutional Banking Banking services for large corporates and financial institutions, including corporate lending, treasury, cash management, and structured finance.
• Investment Banking Investment banking services including advisory, capital markets, and structured financing for clients.
• Capital Investments (Brokerage and Asset Management) Subsidiary offering brokerage and asset management services to clients seeking securities trading and investment portfolio management.
• Visa Payment Cards Visa Infinite, Visa Signature, and Visa Platinum credit cards issued to retail and premium banking customers.
• Mobile and Online Banking Mobile application and online banking platform that allow customers to access accounts, perform transactions, and use open banking APIs.

Quantifiable outcome

• Largest debt mobilisation in Jordan's financial sector at $135 million through EBRD consortium
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability3 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Al Khodar Al Da'im Trading & Investment Co.minorStrategic or Co-development Partner · 21 June 2026Partner company that served as LEED certification consultant for the Abdali 1 building project, providing technical expertise to ensure compliance with highest energy efficiency and environmental standards.
• Arab Group for the Protection of Nature (APN)minorStrategic or Co-development Partner · 11 June 2026Capital Bank participated in tree-planting initiative organized by APN in celebration of World Environment Day, planting 500 trees.
• SOS Children's Villages JordancoreStrategic or Co-development Partner · 9 June 2026Capital Bank renewed its partnership agreement with SOS Children's Villages Jordan, supporting children without parental care through ongoing annual support for humanitarian initiatives.
• Orange JordanminorGTM or Marketing Partner · 16 March 2026Capital Bank served as supporting partner for Orange Jordan's 'Inspiring Change' Award 2026, a program supporting women entrepreneurs in ICT sector with prizes totaling JD 8,000 plus JD 2,000 for sustainable solutions.
• int@j (Jordanian Information Technology Association)minorGTM or Marketing Partner · 16 March 2026Collaborator in Orange Jordan's Inspiring Change Award 2026 supporting women entrepreneurs in ICT sector.
• SHETECHSminorGTM or Marketing Partner · 16 March 2026Collaborator in Orange Jordan's Inspiring Change Award 2026 supporting women entrepreneurs in ICT sector.
• Diebold NixdorfcoreTechnology or Integration · 11 December 2025Capital Bank deployed Diebold Nixdorf's VCP-Pro 7 software on Windows 11-powered ATMs, marking a regional first in the Asia Pacific, Middle East, and Africa region as part of digital transformation modernization.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bank of Jordan: Jordanian commercial bank offering retail, SME, and corporate banking. Direct competitor in the domestic Jordanian market with similar product mix and customer targeting.
• Arab Bank: Largest Jordanian commercial bank with an extensive global branch network and full retail, corporate, and investment banking franchise. Directly comparable as a domestic Jordanian full-service bank competing for the same retail, SME, and corporate wallet.
• Jordan Ahli Bank: Jordanian commercial bank serving retail, SME, and corporate clients with a domestic branch network. Direct peer competing for the same Jordanian customer base across similar product lines.
• Housing Bank for Trade and Finance: Major Jordanian commercial bank with strong retail, corporate, and treasury operations and a regional presence. Direct peer operating in the same Jordanian market with overlapping retail, SME, and corporate banking products.
• Jordan Kuwait Bank: Leading Jordanian commercial bank with full retail, corporate, and treasury capabilities. Direct peer in the Jordanian deposit and lending market with comparable product breadth and customer segments.

Emerging players

• Beltone Financial: Emerging markets investment bank with MENA presence offering investment banking, brokerage, and asset management. Comparable as a regional IB and asset manager competing for similar mid-market and growth-stage mandates.
• Jordan Islamic Bank: Jordan's largest Islamic bank offering Sharia-compliant retail, corporate, and investment banking. Overlaps with Capital Bank's Islamic Finance and Sharia-compliant asset management offerings, competing for the same faith-based customer segment.

Broad incumbents

• Arqaam Capital: MENA-focused investment bank and asset manager providing advisory, brokerage, and asset management services. Closely comparable to Capital Investments' IB and brokerage operations, with broader regional reach.
• EFG Hermes: Leading MENA investment bank with strong M&A, ECM, DCM, brokerage, and asset management franchises. Closest regional comparable to Capital Investments' IB arm, with materially larger scale and deal pipeline.

Regional players

• National Bank of Iraq: Iraqi commercial bank serving retail, corporate, and institutional clients across Iraq. Comparable as the Iraqi counterpart to Capital Bank's Jordan operations, and notably a Capital Bank Group subsidiary per the 2005 acquisition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/capitalbankjo
• YouTubeyoutube.com/channel/UC_1AYJ7T2DBxWmrOkeHQcNA
• Facebookfacebook.com/capitalbankjo
• LinkedInlinkedin.com/company/capital-bank-of-jordan
• Instagraminstagram.com/capitalbankjo

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 records

Funding overview

Funding rounds3 records

Investors7 records

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

M&A1 record

Investments2 records

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

Frequently asked questions about Capital Bank Group