Bank of Jordan

What Bank of Jordan does

Bank of Jordan is a publicly listed Jordanian commercial bank (Amman Stock Exchange ticker: BOJ) founded in 1960 and headquartered in Amman, operating full-service banking subsidiaries and branches across Jordan, Palestine, Bahrain, Iraq and Syria, with preparations underway to enter Saudi Arabia under Saudi Central Bank (SAMA) supervision. The bank serves retail consumers, SMEs, and larger corporates through a diversified product set spanning current and savings accounts, salary accounts, time deposits and certificates of deposit, personal, housing (Beitna, 40/60 program) and auto loans, a full credit and debit card lineup across Mastercard and Visa tiers, premium banking (Alwissam Almumayaz), youth (XCEED) and children's (Sanabel) segments, safe deposit boxes, and installment / loyalty programs (Aqsati, Almumayaz).

Underlying delivery is a hybrid physical-and-digital banking platform: a regional branch and ATM/ITM network plus the BOJ Mobile app (iOS/Android), Zoom-based video account opening, interactive teller machines, phone banking, and digital payment integrations including Apple Pay, BOJ Pay, CliQ and e-FAWATEERcom bill payment. The bank is a public limited company listed on the Amman Stock Exchange with 1,001-5,000 employees, six wholly-owned subsidiaries, and reported FY profit of 44 million Jordanian dinars. The Fakhouri family retains significant board influence through the Chairman and Vice Chairman seats, alongside institutional shareholders and Cayman-domiciled investment vehicles, and the leadership team draws on alumni of Arab Bank, Standard Chartered, Capital Bank, Mashreq and Deloitte.

Name

Bank of Jordan

Legal name

Bank of Jordan

Website

https://bankofjordan.com

Company type

Public

Founded year

1960

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

akta.pro secondary industry

Student & Youth Banking (FSABAAAH)

Keywords

• Retail banking services
• Commercial banking
• Consumer lending
• Corporate banking
• Digital banking

Headquarters

HQ city

Amman

HQ country

Jordan

HQ region

Middle East

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including personal loans, housing loans, auto loans, and corporate lending
2. Fee and Commission Income: Fees from account services, card transactions, wire transfers, and other banking services
3. Trading and Investment Income: Revenue from treasury operations, foreign exchange, and investment activities through the Group Treasury Department
4. Full Year Profit: FY profit of 44 million dinars reported

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Bank of Jordan is a diversified commercial bank that provides retail and corporate banking products and services. Its offerings include deposit accounts (current, savings, salary, time deposits, certificates of deposit), lending products (personal, housing under Beitna and 40/60 programs, auto loans, overdrafts), payment cards (credit, debit, prepaid across Visa and Mastercard networks), digital banking (BOJ Mobile app, video banking via Zoom, Interactive Teller Machines), treasury and trade finance, and segment programs (Alwissam Almumayaz premium, XCEED youth, Sanabel kids). The bank operates branches and subsidiaries across Jordan, Palestine, Bahrain, Iraq, and Syria, with planned entry into Saudi Arabia.

Product overview

Bank of Jordan operates as a diversified financial services institution offering a comprehensive suite of banking products and services across multiple segments. The portfolio includes core deposit products (current accounts, savings accounts, time deposits, and certificates of deposit), lending solutions (personal loans, housing loans under programs like Beitna and 40/60, and auto loans with various down payment structures), payment cards (World MasterCard, Visa Platinum/Gold/Classic credit cards, debit cards including premium Almumayaz variants and XCEED youth cards, prepaid cards, and wearable payment devices like wPay bracelet), digital banking services (BOJ Mobile app, video banking, Interactive Teller Machines, and Zoom-based account opening), loyalty programs (AlMumayaz, Aqsati installment program), and specialized segment programs (Alwissam Almumayaz premium banking, XCEED youth program, Sanabel kids savings). The bank also offers safe deposit boxes and the Mihnati internship program. The product architecture is organized as a platform-plus-segments model with multiple sub-brands targeting different customer segments from children to premium clients.

Differentiator

Problem solved

Functional benefit

Brands

• BOJ Mobile: Mobile banking application for iOS and Android
• Mihnati
• Beitna
• XCEED
• Sanabel
• Alwissam Almumayaz
• Aqsati
• BOJ Pay

Products and services

• Current Account Basic transactional bank account for everyday banking needs, providing access to deposits, withdrawals, and transfers for individual and business customers.
• Salary Account Account designed for salary transfers with benefits for salaried customers including preferential loan rates.
• Basic Bank Account Entry-level banking account meeting essential financial needs with simplified requirements.
• Main Savings Account Savings account with competitive interest rates for individuals looking to deposit and grow their savings.
• Smart Saver Account Savings account with smart features designed to help customers maximize savings with competitive returns.
• Sanabel Kids Account Children's savings account program designed to instill financial literacy and savings habits in young children with child-friendly features.
• XCEED Youth Account Banking program and account designed for youth and young adults with tailored financial solutions and cards.
• Time Deposits Fixed-term deposit accounts offering guaranteed returns for funds locked for predetermined periods.
• Certificates of Deposit Investment instruments providing fixed returns with guaranteed principal, available in various maturities.
• Personal Loans Unsecured loans for individuals available for salaried customers, against property mortgage, for clinic owners, and professionals with own businesses.
• Overdraft Revolving credit facility allowing account holders to overdraw up to an approved limit for short-term financing needs.
• Beitna Housing Loan Program Home financing program offering competitive rates and flexible terms for purchasing residential properties.
• 40/60 Housing Program Government-supported housing loan program requiring 40% down payment with the bank financing the remaining 60%.
• Auto Loans Vehicle financing options including a generic program, 85/15 program (15% down payment), and 50/50 program for new and used cars.
• World Mastercard Credit Card Premium credit card offering exclusive travel benefits, concierge services, and high credit limits for high-net-worth customers.
• Visa Platinum Credit Card Premium credit card with travel insurance, purchase protection, and access to airport lounges worldwide.
• Visa Gold Credit Card Mid-tier credit card offering enhanced purchasing power, travel benefits, and fraud protection.
• Visa Classic Credit Card Entry-level credit card providing essential banking services with competitive interest rates and worldwide acceptance.
• Alwissam Almumuayaz Debit Card Premium debit card for high-value customers offering exclusive benefits and priority banking services.
• Almumuayaz Debit Card Premium debit card offering enhanced daily banking benefits and preferential rates for valued customers.
• Mastercard Debit Card Standard debit card accepted globally with access to ATMs and merchant transactions worldwide.
• Virtual Multi-Currency Prepaid Card Digital prepaid card supporting multiple currencies for online purchases and international transactions.
• BOJ Mobile Mobile banking application enabling customers to access account information, conduct transactions, and manage finances on iOS and Android platforms.
• Interactive Teller Machine (ITM) Video-assisted self-service banking machine enabling face-to-face interaction with bank representatives for extended banking services beyond traditional ATMs.
• Video Banking via Zoom Remote banking service allowing customers to conduct video consultations with bank staff for account opening and support services.
• Alwissam Almumayaz Premium Program Premium banking program offering exclusive benefits, personalized services, and priority treatment for high-net-worth individuals.
• AlMumayaz Loyalty Program Customer loyalty program rewarding frequent users with points, discounts, and exclusive offers across banking services.
• Safe Deposit Boxes Secure storage service for valuables and important documents in bank vaults with various size options.
• Aqsati Installment Program Installment payment program allowing customers to convert purchases into easy monthly payments.

Quantifiable outcome

• FY profit of 44 million dinars
• +1 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Saudi Central Bank (SAMA)coreStrategic or Co-development Partner · 15 June 2026Bank of Jordan is among four banks preparing to enter Saudi Arabia's banking sector under SAMA supervision, aligning with Saudi Vision 2030 objectives for financial sector growth
• Bank of Jordan - PalestinecoreOthersWholly-owned subsidiary operating in Palestinian territories, providing comprehensive banking services
• Bank of Jordan - BahraincoreOthersBranch operation in Bahrain serving corporate and retail customers in the Gulf region
• Bank of Jordan - IraqcoreOthersBranch operation in Iraq providing banking services to corporate and retail customers
• Bank of Jordan - SyriacoreOthersSubsidiary operation in Syria offering full banking services
• Jordan Leasing CompanyminorOthersRelated party company for leasing services, part of the Bank of Jordan group of companies
• Excel for Financial InvestmentsminorOthersFinancial investment subsidiary company, part of the Bank of Jordan group
• MastercardcoreTechnology or IntegrationCard issuing partnership for credit cards, debit cards, and prepaid cards including World Mastercard and virtual multi-currency cards
• VisacoreTechnology or IntegrationCard issuing partnership for credit cards including Visa Platinum, Visa Gold, and Visa Classic

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Arab Bank: Largest Jordanian commercial bank with deep regional presence across MENA, similar multi-country branch network, full retail and corporate product suite, and shared talent pool — the most direct scale competitor to Bank of Jordan in Jordan and key subsidiary markets (Palestine, Bahrain).
• Standard Chartered Bank (Jordan & MENA): Global bank with deep MENA presence including Jordan, Bahrain, and Iraq — overlaps with Bank of Jordan in corporate & institutional banking, transaction banking, and cross-border trade finance, drawing from a shared talent pool.
• HSBC Bank Middle East: Global bank with major Middle East franchise competing for large corporate, trade finance, and affluent retail customers in Jordan, Bahrain, and across the Gulf — represents the upper-bound scale and capability benchmark for regional banking competition.

Direct peers

• Housing Bank for Trade and Finance: Major Jordanian commercial bank with overlapping retail, mortgage, and corporate banking offerings and similar regional expansion footprint — competes directly with Bank of Jordan for Jordanian retail deposits, housing loans (Beitna/40/60-style programs), and corporate banking mandates.
• Cairo Amman Bank: Jordanian commercial bank with comparable size and product mix including consumer loans, deposits, and card products — a direct peer in Jordanian retail and SME banking, and a regional competitor for cross-border trade finance.
• Capital Bank of Jordan: Jordanian commercial bank with similar retail/corporate/SME focus and a publicly listed structure on the Amman Stock Exchange — directly comparable in scale, product mix, and digital banking modernization ambitions.
• Jordan Commercial Bank: Jordanian commercial bank with a similar full-service retail and corporate offering — competes with Bank of Jordan for Jordanian SMEs, retail deposits, and treasury services.
• Bank al Etihad: Jordanian commercial bank with comparable retail, SME, and corporate offerings and a similar focus on digital banking modernization — a direct peer for Jordanian retail deposits, cards, and youth banking programs.
• Jordan Kuwait Bank: Jordanian commercial bank offering full retail and corporate banking services with Gulf-shareholder linkages — directly competes with Bank of Jordan in Jordanian retail, housing finance, and corporate banking.
• Ahli Bank (Jordan): Jordanian commercial bank with overlapping retail and corporate products and regional ambitions — comparable scale and product set, including card issuing and SME lending.

Market position

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bankofjordan
• Facebookfacebook.com/BankOfJordanOfficial
• LinkedInlinkedin.com/company/bank-of-jordan

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

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 Bank of Jordan