Jordan Commercial Bank

Name

Jordan Commercial Bank

Legal name

Jordan Commercial Bank

Website

https://jcbank.com.jo

Company type

Public

Founded year

1977

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

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

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Retail banking services
• Commercial lending
• SME financing
• Premium banking
• Digital payment cards

Headquarters

HQ city

Amman

HQ country

Jordan

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: The bank generates revenue primarily through interest earned on loans including personal loans, housing loans, commercial finance, SME financing, and term loans. Interest is charged on credit facilities and financing arrangements.
2. Card Fees and Charges: Revenue from credit card annual fees, transaction fees, cash withdrawal fees, and Easy Payment Plan interest charges. Debit cards have no issuance fees but generate interchange revenue.
3. Service Charges and Commissions: Fees for various banking services including account management, wire transfers, foreign exchange transactions, and cash management services for corporate clients.
4. Deposit Interest Spread: Revenue from the spread between interest paid on deposits and savings accounts versus interest earned on lending activities.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Jordan Commercial Bank is a full-service domestic commercial bank in Jordan offering personal banking (savings accounts, personal loans, housing loans, credit/debit/prepaid cards), corporate banking (credit facilities, commercial finance, term loans, cash management), SME financing programs, premium banking via its JAH program, and digital banking through the Tejari Mobile app and Corporate Online Banking platform. The bank also issues Mastercard payment cards and supports Google Pay contactless payments.

Product overview

Jordan Commercial Bank offers a comprehensive suite of banking products and services through both traditional and digital channels. The core offerings include personal and corporate banking (accounts, deposits, loans), payment cards (credit, debit, and prepaid including the Yelo Prepaid Card), premium banking services (JAH), and mobile banking via the Tejari Mobile app. The bank has partnered with Mastercard for card solutions and Google for digital wallet payments. Additional services include installment plans (Easy Payment Plan), safe deposit boxes, auto-save, salary advance, and Fast Cash services. The product portfolio operates as a unified banking platform with both physical branch presence and digital banking capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• JAH: Premium banking services for high-net-worth individuals offering priority services, dedicated relationship managers, preferential interest rates, and a World Elite Mastercard with 1% cashback on all purchases.

Products and services

• JAH Premium Banking

Quantifiable outcome

• JAH World Elite card offers 1% unlimited cashback on all local, international, and online purchases
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• MastercardcoreTechnology or Integration · 13 May 2026Jordan Commercial Bank and Mastercard announced a strategic partnership to develop innovative credit, debit, and prepaid solutions and launch the Mastercard World Elite Card for the bank's customers. The collaboration will deliver advanced digital payment services including contactless payments, smart device payments, and enhanced security solutions. The partnership aligns with Jordan Commercial Bank's strategy to modernize its banking services.
• International Fund for Agricultural Development (IFAD)minorStrategic or Co-development PartnerJordan Commercial Bank offers SME financing program in partnership with IFAD for agricultural and rural development projects supporting small farmers and rural entrepreneurs in Jordan.
• GooglecoreTechnology or IntegrationJordan Commercial Bank supports Google Pay service allowing customers to add debit, credit, and Yelo prepaid cards to Google Wallet for contactless payments on Android devices. Service is free with no additional charges and accepted locally and internationally.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Bank of Jordan: One of Jordan's largest listed commercial banks offering comparable retail, corporate, SME, and digital banking services. Closest direct competitor to JCB within the domestic Jordanian banking market with similar product breadth and customer segments.
• Housing Bank for Trade and Finance: Major Jordanian commercial bank offering retail deposits, lending, cards, corporate, and SME banking with strong digital channel presence. Closely comparable in product scope, listing status (ASE), and target customer mix.
• Cairo Amman Bank: Jordanian-Egyptian joint-venture commercial bank with full retail, corporate, and treasury offerings. Similar in scale and product mix to JCB, serving the same domestic market with parallel digital and branch channels.
• Jordan Kuwait Bank: Listed Jordanian commercial bank with retail, corporate, and SME lending focus. Comparable mid-sized Jordanian bank competing in similar segments with digital and branch distribution.
• Capital Bank of Jordan: Jordanian universal bank providing retail, corporate, and investment banking services. Comparable in size, listed status, and product breadth, with stronger focus on corporate and treasury services.
• Bank al Etihad: Jordanian commercial bank offering retail, SME, and corporate banking with digital-first positioning. Comparable mid-tier competitor focused on customer experience and digital channels.

Broad incumbents

• Arab Bank: Largest Jordanian bank by assets with extensive regional presence across MENA. Provides a much broader product portfolio including investment banking and treasury, setting the dominant benchmark JCB competes against domestically.
• Standard Chartered Jordan: International bank's Jordanian franchise focusing on corporate, trade finance, and affluent retail segments. Competes for premium and corporate customers JCB targets through its JAH program and corporate banking division.
• HSBC Jordan: International bank's Jordan operations offering premium retail, corporate, and wealth services. Competes for the same affluent and corporate customers as JCB's JAH and corporate divisions with global network advantages.

Regional players

• Jordan Islamic Bank: Jordan's largest Islamic bank operating domestically with parallel Sharia-compliant retail and corporate products. Adjacent competitor in the same Jordanian market targeting similar customer segments with an alternative product framework.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/jordan-commercial-bank
• Xx.com/jcbankjo

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Jordan Commercial Bank