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Trading Information in the Regular Market

2021 2020 2019
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 1.03 0.69 0.79
Value Traded (JD) 495,048 12,277,440 394,526
No. of Shares Traded 596,701 15,744,558 486,046
No. of Transactions 563 196 285
No. of Subscribed Shares 120,000,000 120,000,000 120,000,000
Market Capitalization (JD) 123,600,000 82,800,000 94,800,000
Fiscal Year Ended 31/12/2021 31/12/2020 31/12/2019

Assets (JD)

2021 2020 2019
Cash and Balances at Central Banks 90,710,577 96,851,544 71,264,135
Balances at Banks and Financial Institutions 54,106,136 79,318,273 36,642,539
Deposite at Banks and Financial Institutions 0 0 0
Financial Assets at Fair Value Through Profit 1,778,210 1,645,923 1,876,382
Financial Assets at Fair Value Through Other Comprehensive Income 31,942,672 29,053,113 11,105,937
Financial Assets at Amortized Cost 362,409,154 282,206,186 276,734,126
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 773,903,799 713,901,025 669,000,375
Provision for Credit Facilities 63,793,141 58,732,454 47,974,854
Interests in Suspense 23,855,755 18,848,757 14,079,271
Deferred Income Tax Assets 10,322,457 11,215,869 12,313,532
Fixed Assets,Net 21,857,844 21,872,682 22,430,397
Other Assets 97,886,659 115,956,950 285,225,599
Total Assets 1,444,917,508 1,352,021,565 1,386,593,022

Liabilities (JD)

2021 2020 2019
Customers Deposits 969,388,894 935,686,966 836,698,393
Banks & Financial Institutions Deposits 111,313,020 102,670,901 87,386,747
Cash Margins 40,829,127 41,822,602 56,572,215
Loans and Borrowing 140,483,737 103,564,728 96,083,582
Deferred Income Tax liabilities 0 0 50,388
Other Liabilities 35,731,005 28,809,581 170,602,923
Total Liabilities 1,297,745,783 1,212,554,778 1,247,394,248

Shareholders Equity (JD)

2021 2020 2019
Authorized Capital 120,000,000 120,000,000 120,000,000
Subscribed Capital 120,000,000 120,000,000 120,000,000
Paid in Capital 120,000,000 120,000,000 120,000,000
Legal Reserve 17,208,213 15,953,618 15,460,318
Voluntary Reserve 0 0 0
Other Reserves 0 0 4,087,368
Issuance Premium 0 0 0
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 0 0 0
Stock Dividends 0 0 0
Foreign Currencies Translation 0 0 0
Accumulated Change in Fair Value -973,100 -2,020,984 -2,211,406
Retained Earnings 10,936,612 5,534,153 1,862,494
Total Shareholders Equity 147,171,725 139,466,787 139,198,774
Non-controlling Interest 0 0 0
Total Liabilities & Shareholders Equity 1,444,917,508 1,352,021,565 1,386,593,022

Income Statement (JD)

2021 2020 2019
Interest Income 70,404,046 70,598,278 74,972,391
Interest Expense 34,609,449 37,073,917 43,982,003
Net Interest Income 35,794,597 33,524,361 30,990,388
Net Commissions Income 4,229,931 4,286,809 5,788,201
Interests & Commissions, Net 40,024,528 37,811,170 36,778,589
Gains from Financial Assets and Instruments 477,454 -19,050 330,039
Gains from Foreign Currencies 514,405 947,731 1,129,852
Other Revenues 3,394,967 3,990,299 4,220,083
Total Income 44,411,354 42,730,150 42,458,563
Employees Expenses 13,752,948 12,802,688 13,764,527
Depreciation & Amortization 3,621,035 3,621,716 3,570,301
Other Expenses 9,621,545 13,462,179 14,755,027
Provision for Direct Credit and Facilities (period) 4,597,892 8,047,731 2,080,449
Sundry Provisions 216,981 2,198,505 749,720
Bad Debts Written Off 0 0 0
Total Expenses 31,810,401 40,132,819 34,920,024
Net Income Before Tax 12,600,953 2,597,331 7,538,539
Income Tax (period) 5,541,178 2,028,828 2,170,473
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 55,000 55,000 55,000
Net Income 7,004,775 513,503 5,313,066
Non-controlling Interest 0 0 0
Net Income Pertains to Shareholders 7,004,775 513,503 5,313,066

Cash Flow (JD)

2021 2020 2019
Cash Balance (Beginning) 119,042,149 80,598,599 52,554,551
Net Cash Flow from (Used in) Operating Activities 3,436,580 38,246,067 -4,882,032
Net Cash Flow from (Used in) Investing Activities -84,380,926 -7,680,899 19,806,663
Net Cash Flow from (Used in) Financing Activities 36,919,009 7,481,146 12,601,709
Differences in Exchange 489,747 397,236 439,036
Cash Balance (Ending) 75,506,559 119,042,149 80,519,927

Financial Ratios

2021 2020 2019
Turnover Ratio % 0.500 13.120 0.410
Earning Per Share (JD) 0.060 0.000 0.040
Dividend Per Share (JD) 0.000 0.000 0.000
Book Value Per Share (JD) 1.230 1.160 1.160
Price Earnings Ratio (Times) 17.650 161.250 17.840
Dividend Yield % 0.000 0.000 0.000
Dividend Per Share to Earning Per Share % 0.000 0.000 0.000
Price to Book Value (Times) 0.840 0.590 0.680
Return On Assets % 0.480 0.040 0.380
Return On Equity % 4.760 0.370 3.820
Net Interest and Commissions Income/Total Income % 90.120 88.490 86.620
Credit Interest/Credit Facilities, Net % 9.100 9.890 11.210
Net Income / Total Income % 15.770 1.200 12.510
Total Income / Total Assets % 3.070 3.160 3.060
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 11.330 10.870 9.280
Equity Ratio % 10.190 10.320 10.040
Shareholders Equity /Total Deposits % 13.620 13.430 15.060
Debt Ratio % 89.810 89.680 89.960
Total Deposits/Total Assets % 74.790 76.800 66.640
Net Credit Facilities to Total Assets % 53.560 52.800 48.250
Net Credit Facilities to Total Deposits % 71.610 68.750 72.400
Shareholders Equity to Credit Facilities,Net % 19.020 19.540 20.810
Quick Ratio (Times) 0.140 0.170 0.120
Cash & Investments to Total Deposits % 50.060 47.100 43.030
Cash + Trading Investments / Total Deposits (Times) 0.140 0.170 0.120