At Capital Bank, we believe that financial wellness is fundamental to building a stable and prosperous society. Recognizing the importance of empowering individuals and communities with the knowledge and tools to make well-informed financial decisions to help create a better future, the bank placed financial literacy as one of its core pillars in its Corporate Social Responsibility strategy in line with the Central Bank of Jordan’s efforts in promoting its importance. 
In this spirit, Capital Bank introduced the “Deer Malak” initiative, a pioneering step towards making financial literacy more accessible to Jordanians.
“Deer Malak” aims to support the Central Bank’s mission by fostering open conversations around money. By encouraging dialogue surrounding topics that address everyday financial concerns, this initiative seeks to guide Jordanians from different target audience groups on a journey toward better financial awareness. The goal is to make financial literacy not just understandable, but also practical, approachable, and actionable.

Key Phases of the "Deer Malak" Initiative:
Phase 1: Understanding Expenses
For many, the idea of tracking expenses can be daunting, but it’s a critical step toward financial awareness. In this phase, we encourage participants to take a closer look at their daily spending habits, from the morning coffee run to digital subscriptions. By identifying spending patterns, individuals can make more informed financial decisions. This phase is not about eliminating all daily luxuries, but about aligning spending with personal goals.
Phase 2: Identifying Income
It’s essential for individuals to not only know their salary but to differentiate between fixed income—like regular salaries or pensions—and variable income, such as freelance work, bonuses, or commissions. Additionally, it encourages exploring multiple income streams and understanding how each contributes to overall financial health. By recognizing the nature of their income, individuals can plan for fluctuations and manage finances proactively, allowing for better preparation for unexpected expenses or opportunities.
Phase 3: Budgeting 
This phase addresses a topic that is often misunderstood. While budgeting can feel restrictive, this initiative aims to reframe it as a “spending plan”—a tool for empowering individuals to allocate resources effectively. Rather than cutting back on all luxuries, it emphasizes finding a balance that supports both responsibilities and aspirations. By basing spending plans on realistic targets and 


actual habits, individuals are more likely to maintain them in the long run, gradually making adjustments that enhance their financial stability.
As participants build on lessons about managing expenses and understanding income, the “Deer Malak” initiative encourages the creation of personalized spending plans. Ultimately, the goal is to help Jordanians establish proactive financial habits that enhance their quality of life.
At Capital Bank, we believe that financial well-being is not only attainable but also a key part of achieving personal aspirations.
To learn more about the “Deer Malak” initiative, you can follow our pages on social media to learn more
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