CEO’s Message for Shareholders

Dear Shareholders of Safwa Islamic Bank,
Peace, mercy, and blessings of Allah be upon you,

I begin with the words of Allah Almighty in the Holy Quran:
“And say, ‘Do [as you will], for Allah will see your deeds, and [so will] His Messenger and the believers.’”
Allah the Almighty has spoken the truth.

As I reflect on the transformative journey we have undertaken over the past seven years, I feel an immense sense of pride in what we have achieved together. This journey has been defined by growth, innovation, and strategic breakthroughs that have established Safwa Islamic Bank as one of the most dynamic players in the region.

Exceptional Performance and Strategic Progress

Item 2023 2024 Change %
Assets (JD million) 2,929 3,535 606 21%
Deposits (JD million) 2,516 3,030 514 20%
Net Financing (JD million) 2,018 2,323 305 15%
Profit Before Tax (JD million) 28.3 32.8 4.5 16%

Financial Indicators

Item 2023 2024 Change %
Earnings per Share (EPS) 0.146 0.169 0.023 16%
Capital Adequacy Ratio (CAR) 16.37% 16.10% -0.27% –

Advanced Digital Banking Services

Safwa Islamic Bank continued to outperform sector benchmarks, with consistent growth in assets, profits, and market presence. Our strong fundamentals and strategic agility enabled us to navigate a complex economic environment while maintaining our leadership in Sharia-compliant banking.

We’ve made bold investments in digital transformation, establishing ourselves as a frontrunner in tech-driven banking. Our mobile banking platform, Safwa Mobile, has reshaped customer experience—delivering secure, seamless, and personalized services.

Culture of Excellence and Team Empowerment

Our success is rooted in the collective effort of our exceptional team. We have fostered a collaborative, high-performance culture that prioritizes innovation and employee empowerment. By equipping our workforce with the necessary tools and skills, we are well-positioned to meet future challenges and deliver on our mission.

Personalized Sharia-Compliant Financial Solutions

Our client-centric approach has allowed us to offer tailored financial solutions that respond directly to the evolving needs of individuals and institutions. This focus has strengthened our market position and reputation as a trusted financial partner.

Looking Ahead

Safwa Islamic Bank is now stronger, more resilient, and more agile than ever. With a clear strategic vision and a digital-first infrastructure, we are well-equipped to pursue sustainable growth and long-term value creation for our stakeholders.

In closing, I extend my heartfelt thanks to our shareholders for your continued trust, to our employees for your dedication, and to our clients and partners for your loyalty. Together, we have built a high-performing institution with a forward-looking vision—and with God’s will, we are ready for the opportunities and responsibilities ahead.


With sincere gratitude,

Samer Al Saheb Al Tamimi
Chief Executive Officer

Safwa Islamic Bank is an integrated Islamic bank that brings incorporates firm Islamic values with the latest banking services of the highest caliber, and provides its clients with high-quality products with a personal touch, to fulfil their needs, embodying in the process a united philosophy and a constant slogan — Solid Principles, Innovative Solutions.

Safwa Islamic Bank seeks to be a leading banking institution by implementing the values of diversity, modernity, justice and transparency throughout all its activities. We offer a set of banking solutions in line with Islamic Sharia and in a modern formula, via a growing network of branches, across the Kingdom. We consistently seek to develop and modernize our products in line with Islamic Sharia teachings.

Safwa Islamic Bank also offers financing solutions to large- and medium-sized enterprises through diverse Islamic financing products and services and innovative solutions that meet all the segment’s financing requirements. The bank also takes special care of its major clients through a package of special services that fulfills their needs.

While we constantly seek modernity, we remain to our roots, values and traditions. We combine heritage with advancement and commitment with flexibility, to make your transactions with Safwa Islamic Bank a unique experience every day.

Welcome Safwa Islamic Bank’s distinguished clients

Our Vision

Pioneering the Islamic banking business to serve all segments of society.

Our Message

To offer unique and innovative services inspired from the principles of Islam, aiming to build a permanent partnership and achieve the best interest of all involved.

Our Values

Innovation

At Safwa Islamic Bank, we stand firmly by the principles of innovation and creativity, distinguishing ourselves as a leading financial institution by merging the true Islamic values with the latest global technologies and innovative products and services, in order to deliver the best modern Islamic banking services.

Knowledge

At Safwa Islamic Bank, we adopt a system of banking policies and work regulations derived for Islamic Sharia teachings, and we are proud to present a new concept of modern Islamic banking services in Jordan.

Quality

At Safwa Islamic Bank, we have a wide range of solutions that were translated on the ground into products and services that were invented to be in complete harmony with our clients’ financial needs, as they were designed on the principle of quality-based mastery.

Added Value

The concept of modern Islamic banking and the success of our clients are a reflection of our commitment to providing true and added value and feasible returns through the provision of the finest available banking services, which stems from Safwa Islamic Bank’s absolute conviction that meeting the aspirations of our clients and granting them added value is the secret to our success.

Services up to the highest global standards

At Safwa Islamic Bank, we have built and designed all our modern products and services based on a deep and comprehensive understanding of our clients’ needs and aspirations to ensure that they experience unique banking, up to the highest global standards.