As the banking sector undergoes rapid transformation, Capital Bank has emerged as a leading example of smart and sustainable financial management. Over the past three decades, the Bank has achieved remarkable growth and transformation, establishing itself as a key player in Jordan’s economy by expanding its operations, adopting cutting-edge financial technologies, and delivering advanced banking services tailored to both individuals and businesses.

Founded in 1995 as Export & Finance Bank, the institution began with a clear vision to support Jordan’s productive and export sectors. From the outset, its management focused on building trust and credibility through modern banking services, earning the confidence of a strong and diverse client base.

At the turn of the millennium, the Bank set sights on regional expansion. In 2005, it acquired a majority stake in the National Bank of Iraq, becoming the first Jordanian bank to enter the Iraqi market. This move was a turning point that opened doors to new opportunities in a region rich with both challenges and potential.

In 2006, reflecting its broader ambitions, the Bank rebranded as Capital Bank, signaling its evolution into a regional financial group offering comprehensive, innovative solutions designed to meet changing market needs.

The following year, the Bank launched Capital Investments, adding new depth to its offerings with services ranging from asset management to financial advisory and brokerage.

Capital Bank’s expansion gained momentum in the following decade. In 2021, it acquired Bank Audi’s operations in Jordan and Iraq, strengthening its regional footprint and customer base. This was followed in 2022 by the acquisition of Société Générale’s branches in Jordan, another milestone in its growth journey.

That same year, Capital Bank became the first Jordanian bank to issue $100 million in perpetual bonds listed on Nasdaq Dubai, underscoring the confidence it commands among regional and international investors.

In 2023, the National Bank of Iraq, part of Capital Bank Group, opened the first Iraqi bank branch in Saudi Arabia. This move created a gateway into the Arab world’s largest economy, enabling the group to better serve corporate clients across Jordan, Iraq, the UAE, and Saudi Arabia, while unlocking new opportunities for investment and expansion.

Recognizing the importance of engaging the next generation, Capital Bank launched blink by Capital Bank in 2022, a digital banking channel designed specifically for young customers. It offers a flexible, mobile-first banking experience that allows users to manage their finances easily and securely.

The Bank has also invested heavily in innovation behind the scenes, adopting artificial intelligence and data governance to improve service quality, accelerate transactions, and ensure top-tier security. Its unified digital platform provides seamless access to a wide range of products and services anytime, anywhere.

International recognition has followed. In 2024, Moody’s upgraded the Bank’s long-term credit rating to Ba3, reflecting its strong financial position and reliable performance. In 2023, Forbes ranked it among the Middle East’s Top 50 Banks. By 2025, Capital Bank had received several prestigious awards, including Best Mobile Banking App in Jordan (for the second consecutive year), Best Wealth Management Services in Jordan from International Business Magazine, in addition to receiving “Best Bank in Jordan” and “Best Banking App in Jordan” awards from Global Financial Market Review, affirming its excellence and competitive strength in the region.

Sustainability is at the heart of Capital Bank’s strategy. It has established an ESG committee and remains committed to offering financing solutions that support the transition to a green economy. Its community initiatives focus on financial literacy, entrepreneurship, women and youth empowerment, and environmental protection, aligned with the UN Sustainable Development Goals and Jordan’s Economic Modernization Vision.

As Capital Bank marks three decades of achievement and leadership, it also begins a new chapter in its journey. With a legacy of trust, a culture of innovation, and a clear strategic vision, the bank continues to prove that success is measured not only in numbers but in the lasting impact it creates.

Looking ahead with confidence, Capital Bank is determined to expand further, lead with innovation, and remain a model of excellence in the world of finance and business.