Our ESG Performance


Sustainability at Jordan Ahli Bank

For more than sixty-five years of ahli bank’s long history, we have been steadfast in upholding our values, commitments, and environmental and social standards by delivering transformative, meaningful, and measurable sustainability initiatives.

Corporate Governance

Our growth and success have been driven by our strong corporate governance that upholds the principles of fairness, transparency, accountability, and responsibility. Also,  good governance  bestowed the ability to develop and execute a long term, sustainable strategy that can deliver great value to all stakeholders. We have a diverse expertise within the Board , 38% of the same are independent members who all invested their time and experience to implement and develop governance within ahli Group and its fully owned companies, in order to evolve its ‘governance maturity’, which in turn will translate to great value to all the Bank’s stakeholders.

Global Certifications and Compliance Requirements

We constantly develop, amend, and improve all controls related to our reporting, policies, procedures and systems to ensure complete compliance with all necessary requirements by the Central Bank of Jordan and global standards in line with our belief of banking transparency and security as part of our commitment to our stakeholders. The bank acquired two ISO certification, ISO 27001 – Information Security Management System (ISMS) and ISO 22301 – Business Continuity Management (BCM), along with proper resilience of operations and management.

Economic Impact

We continue to contribute to Jordan’s national growth and prosperity through our revenues and assets. Despite the economic conditions that has prevailed in Jordan over the past years, including the economic impacts of COVID-19 in 2020, ahli bank has seen an improvement in its financial performance in 2021 and 2022. There has been continuous general improvement in this aspect, our net profit after taxes increased by 18.76% in 2022 compared to 2021. Moreover, through our Taqseet Program more than 3.5 million JOD worth of transactions have been processed through the system, supporting more than 60 merchants in 4 months. We also provided financing solutions for our clients in various sectors in addition to maintaining responsible banking practices and responsible investments. We continue to focus on SMEs by increasing our market share, participating in national initiatives that support SMEs and maximizing financial inclusion percentage.

Social Impact

We continue to build a more diverse and inclusive workplace, demonstrate strong corporate governance and social responsibility, which helps us build more resilient and sustainable communities in Jordan. In 2022, we had a total of 1,110 employees and 280 ahli777 employees at the bank. Our female employment rate stood at 39%, which was higher than the banking sector average in Jordan of 35% and was also significantly higher than the national average of about 15%. We were also able to increase our average training hours per employee by about 5% compared to that of 2021. Meanwhile, our volunteering hours in various social programs increased significantly by 356% compared to the previous year, with 1,590 hours. For suppliers, we prioritized more local suppliers this year, in which 92% of them were local – a 5% increase from 2021.

Environmental Impact

Our commitment to the environment is manifested through our efforts to manage climate change impacts by replacing traditional infrastructures with green infrastructures and aiming to significantly reduce our overall carbon footprint.

We aim to manage our resource consumption and rationalize consumption usage across our operations. In 2022, we decreased our paper consumption by 8% from 2021 with 56,440 kg compared to 61,629 kg in 2021. Similarly, we also decreased our energy intensity by 30% with 1,383 from 1,976 in 2021, including our total GHG emissions by 21% with 1,218.152 CO2 equivalent from 1,534.727 CO2-equivalent in the previous year. With this, we are fulfilling our aim of reducing our environmental impact by continuously offering eco-friendly products and services with minimal environmental footprint. Moreover, we are proud to report that the formal design review issued by the US Green Building Council (USGBC) has awarded the design of our new sustainable and green building a score of 62 points and it is with great pride we announce that we have transitioned into the construction phase of this building with a target completion in year 2025.

Towards a Full Digital Environment

We continue to focus on improving our banking services and operations with an emphasis on Customer Centricity, Operational Excellence, and Innovation. This year, through our investments in technology and digitalization, we brought our customers various new products and services that meet their needs to enable banking convenience and ease of access, this includes the launch of the ahli Online Corporate banking, ahli Invest Application, the ahli Mobile Application with new added features and wallet/payment applications. We also implemented the full automation of our invoices through the Invoice Q Platform


Our Economic Performance:

Financial Performance (JOD)*2019202020212022
Total capital200655000200655000200655000200655000
Total assets2766697353284599704129534167533062513293
Total shareholders’ equity311683694322329962327719498330347828
Other Expenses22358845221122052198993724702785
Employee Benefits40257255374314243552027137664053
Income tax1248037070623741293634211449589
Capital adequacy ratio (%)15.6615.5315.9215.62
Return on equity ratio (%)8.553.314.385.14
Net loans and advances1369737583136963383213576846391595272646
Total deposits2014166666204821235221655370852114537225
Ratio of loans to deposits (%)72.6771.7567.6479.26
Net profit after taxes23722770104397061423043216899842

Our Social Performance:

Total Workforce2019202020212022
Total number of employees1186114410841110
By employment contract
By employment type
By gender
Number of Jordanian employees1183114110801105
Number of non-Jordanian employees3345
By job category
Senior management16161515
Middle management209216198279
Permanent Employees
Total number of permanent employees1184114210771101
By gender
Temporary Employees
Total number of temporary employees2279
By gender
Workers who are not employees (ahli777 employees)
Total number of workers who are not employees and whose work is controlled by the organization362280
Employees covered by collective bargaining agreements
Total number of employees covered by collective bargaining agreements972931805719
Percentage of total employees covered by collective bargaining agreements (%)82817465
New Hires
Total number of new hires12556105195
By gender
Female 55143784
By age
Under 30974382126
Between 30 and 5028112258
Turnover rate (%)
Total turnover13594168168
By gender
Female 61396458
By age
Under 3058315968
Between 30 and 5070549590
Parental Leave
Number of employees who are entitled to parental leave
Female 467439412437
Number of employees who took parental leave
Female 26233226
Returnees from parental leave
Female 26232725
Returnees from parental leave who were still working for the bank 12 months later
Female 26213124
Percentage of Individuals within the Organization’s Leadership
By age
Under 300000
Between 30 and 500.840.870.920.81
By gender
By nationality
Percentage of Employees per Employee Category in each of the following Diversity Categories
By age
Under 30
Senior management0000
Middle management0.840.520.370.27
Between 30 and 50
Senior management0.840.870.920.811
Middle management15.617.0516.723.24
Senior management0.510.520.460.54
Middle management1.181.311.21.62
By gender
Senior management0.
Middle management4.555.074.896.31
Senior management1.
Middle management13.0713.8113.3818.83
By nationality
Senior management1.261.311.291.26
Middle management17.5418.7918.1725.05
Senior management0.
Middle management0.
Female Employment
Total number of female employees467439412437
Number of female employees in middle management54585370
Number of female employees in senior management 2211
Ratio of Basic Salary and Remuneration of Women to Men
Senior management0.
Middle management0.
Average hours of training per employee**
By gender
By job category
Senior management13.
Middle management10.
Performance Review
Percentage of total staff who received regular review of performance100100100100
Health and Safety
Percentage of total labor force represented in official health and safety committees37712
Internal Volunteering Program
Volunteering hours13682683491590
Number of volunteers432173163411
Number of events25122125
Number of suppliers297150175185
Number of local suppliers200130160170
Total purchases (millions JOD)25162835
Total expenditure on purchases from local suppliers (millions JOD)20122232
Percentage of expenditure on local suppliers80758091

Our Environmental Performance:

Energy Consumption2019202020212022
Electricity Consumption (kWh)2129046205352221423191982557
Electricity Consumption (GJ)7664.577392.6797712.357137.21
Non-renewable Energy Consumption – Diesel and Fuel (Liters)33475250623167736957
Non-renewable Energy Consumption – Diesel and Fuel (GJ)1217.78859.061078.061274.15
Total Heat Consumption (Liters)22128365003626431614
Energy Intensity*1795.14179619761383
GHG Emissions
Direct GHG Emissions – Scope 1 (CO2 equivalent)81.90180.4983.9772.62
Indirect GHG Emissions – Scope 2 (CO2 equivalent)1441.7691390.6241450.7571145.532
Total GHG Emissions – Scope 1 and Scope 2 (CO2 equivalent)1523.671471.1141534.7271218.152
Paper Consumption (kg)80411576726162956440