name and background
full name: Capital Bank of Jordan Public Shareholding Company (Arabic: بنك كابيتال الأردن)
founded in 1995 as Export & Finance Bank, renamed Capital Bank of Jordan in 2005.
Headquarters is located at Issam Ajlouni Street, Shmeisani, Amman, Jordan.
Shareholder Background: CBoJ is a public joint-stock company listed on the Amman Stock Exchange (symbol: EXFB). Major shareholders include private investors in Jordan and the region, and in June 2022, Saudi Arabia's Public Investment Fund (PIF) became a strategic investor and increased its capital through the issuance of new shares. The bank's private nature of its market-oriented operations is reflected in the private nature of its market-oriented operations, with Bassem Khalil Al-Salem as Chairman of the Board and Tamer Ghazaleh as Chief Executive Officer.
service scope
Regions Covered: CBoJ primarily serves the entire Jordan country, covering major cities such as Amman, Irbid, and Zarqa, and in Iraq and Saudi Arabia through its subsidiary, the National Bank of Iraq (NBI). Banks support global transactions through international payment networks (e.g. Visa, Mastercard).
Number of offline outlets: As of 2024, CBoJ operates approximately 40 branches in Jordan, including those following the acquisition of Bank Audi in 2021 and Société Générale Bank Jordan (SGBJ) in 2022.
ATM distribution: CBoJ manages about 100 ATMs in branches, commercial districts and shopping malls, supported by Middle East Payment Services (MEPS), which provides cash deposits, contactless payments and interbank services.
services and products
CBoJ provides a variety of financial services, Reach individual, corporate, and institutional customers:
personal bank: Savings accounts (e.g. Premier Savings Account, up to 4% annual return, paid monthly), current accounts, fixed deposits, personal loans (with a 7-month grace period), home loans, car loans, credit cards (Visa, Mastercard, including 1.5%-2% cashback) and debit cards. Featured services include the Gold Road Raffle Saving Account, which offers weekly raffles in the 2022 Jordanian Dinar (10 winners) and the semi-annual 100,000 Jordanian Dinars (5 winners).
Corporate Banking: provides corporate credit, trade finance (letters of credit, guarantees), cash management, project finance and supply chain finance to SMEs and large enterprises. CBoJ provides customized services to businesses through the Capital Advance program.
Investment Bank: Asset management, brokerage services and corporate financial advisory services through its subsidiary, Capital Investments, established in 2006, covering Jordan and the Dubai International Financial Centre (DIFC).
digital bank: Launched digital bank Blink in 2022 to target deposits, micro-loans, and payment services for young customers.
other services: including foreign exchange trading, POS terminal services (in partnership with Falcons Soft), leasing services (through Capital Leasing) and insurance products.
> for regulatory and compliance
< span style="font-size: inherit". Regulators: CBoJ is regulated by the Central Bank of Jordan (CBJ) and follows the Jordanian Banking Act and international standards such as Basel. Its subsidiary, NBI, is regulated by the Central Bank of Iraq.
Deposit Insurance Program: CBoJ participates in the Jordan Deposit Insurance Scheme, which is protected by the Jordan Deposit Insurance Corporation (DIC) and is insured up to 50,000 Jordanian dinars (approximately US$71,000) per depositor.
Recent Compliance Records: CBoJ has no major violations and strict implementation of Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT) regulations. In 2021-2022, it successfully completed the acquisitions of Bank Audi and SGBJ, and obtained regulatory approvals, demonstrating its compliance capabilities.
digital service experience<
span style="font-size: inherit">App & Online Banking: CBoJ's Capital Bank Mobile app has a rating of around 4.5 stars (Google Play and App Store, out of 5 stars) and won the 2025 International Business Magazine award for "Best Mobile Banking App in Jordan". The Blink app has a rating of 2.9 stars, reflecting its targeting of younger users.
core features:
real-time transfers: support domestic real-time transfers through CLIQ and MEPS networks, and international transfers through the SWIFT system.
bill management: supports paying utility bills, mobile phone recharges, and credit card bills, and provides transaction history query.
Investment Instrument Integration: Supports asset management and brokerage services through the Capital Investments platform.
> face recognition: Fingerprint login is supported, but face recognition is not explicitly supported.
technical innovation:
Open Banking API: Support open banking API, and open banking consent management will be launched in 2025.
POS extension: Partnered with Falcons Soft to promote an e-POS system that enhances merchant payment capabilities.
> AI customer service: Partnered with IBM to optimize customer service with the AI capabilities of IBM Cloud Pak for Data, with no explicit AI chatbot available.
customer service
CBoJ offers multi-channel customer support with a focus on digital and personalized experiences:
email: Submit an inquiry through the official website (info@capitalbank.jo).
Live chat Live chat: The Capital Bank Mobile and Blink apps offer live chat capabilities.
branch services: 40 branches provide face-to-face consultations, working hours from Sunday to Thursday 8:00-15:00, some outlets extended to 17:00.
> Phone: Customer Hotline +962-6-5100220 for round-the-clock support.
security measures<
span style="font-size: inherit">CBoJ uses advanced security mechanisms to ensure the security of customer data and transactions:
network security: use 256-bit SSL encryption, multi-factor authentication (password + OTP verification code), PCI DSS and ISO 27001 compliant.
Anti-Money Laundering & Anti-Fraud: Follow CBJ'S AML/CFT requirements to monitor suspicious transactions in real time and conduct regular risk assessments.
transaction security: A one-time verification code is required for large-value transfers to reduce the risk of unauthorized transactions.
Physical security: Branches and ATMs are equipped with surveillance systems and security personnel.
featured services and differentiations
CBoJ is unique in the Jordanian banking industry with its regional expansion and digital innovation:
Gold Road Raffle account: Offers a chance to draw high-stakes to attract savings customers.
regional presence: Expansion in Iraq and Saudi Arabia through NBI (61.85% stake), NBI opens its first branch in Saudi Arabia in 2023.
Acquisition & Integration: Acquired Bank Audi in 2021 and SGBJ in 2022, using the Temenos platform to complete data migration within 3 months, which is recognized by the industry.
Social Responsibility: Supporting SOS Children's Villages, King Hussein Cancer Center, and Tkiyet Um Ali by hosting charity events to demonstrate community commitment.
> digital bank Blink: launched in 2022, Promote financial inclusion by targeting microloans and payment services for young customers.
summary
Capital Bank of Jordan is a joint venture commercial bank founded in 1995 and headquartered in Amman, Jordan, listed on the Amman Stock Exchange, which introduced the Saudi Public Investment Fund as a strategic investor in 2022. CBoJ operates approximately 40 branches and 100 ATMs, with services covering Jordan and expanding to Iraq and Saudi Arabia via NBI. The bank provides savings accounts, loans, credit cards, corporate finance and investment services, is regulated by the Central Bank of Jordan, participates in the deposit insurance program, and has a proven track record of compliance. In 2024, the total assets will be 8.2 billion Jordanian dinars, and the net profit will be 160 million, a year-on-year increase of 50%, with strong financial health. The Capital Bank Mobile app has a 4.5-star rating and supports real-time money transfer and bill management, with technological innovations including open banking APIs and AI optimization. Customer support is provided via phone, mail, and live chat, and security measures are in line with international standards. CBoJ is uniquely positioned in the Jordanian market with Blink digital banking, Gold Road Raffle accounts and regional expansion, making it an ideal choice for clients looking for innovative and integrated financial services.
